AION / CONNECTED FINANCE

One intelligent lending workspace.

AION is an AI first loan origination and assessment platform being developed by Stoiktech. It brings brokers, lenders and customers into one lending workspace, powered by Anika AI.

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Less paperwork. A better understanding of the customer.

AION brings together application intake, document intelligence, lender policies, serviceability, compliance and customer communications. Its development objective is to reduce manual assessment tasks and repetitive data entry by 90 to 95%, subject to validation through pilots and production use.

Anika is designed to extract application information from supporting documents, cross reference evidence and highlight discrepancies. This gives finance professionals a clear understanding of the customer’s income, expenses, liabilities, credit history, banking conduct and borrowing capacity. with explanations of what is verified and what needs attention.

THE AION SUITE

One suite. Three connected workflows.

Bring the customer journey, your integrations and the professional workspace together.

01 / CUSTOMER JOURNEY

AION Apply

Guided finance applications

Capture the application, supporting documents and customer actions in one connected journey.

Explore application workflows

02 / INTEGRATIONS

AION Connect

APIs and connected evidence

Bring identity, banking information and lender pathways into a more consistent lending workflow.

Explore API capabilities

03 / PROFESSIONAL WORKSPACE

AION Manage

Assessment and application progress

Review evidence, understand financial behaviour and coordinate the next step with customers and lenders.

Explore the workspace

These connected workflows are being developed within AION. The website demonstrates the platform vision.

THE AION WORKSPACE

Intelligence throughout the lending journey.

Explore the capabilities being developed for brokers, assessors, lenders and their customers.

01Anika AI lender policy and recommendation engine

The lending engine is designed to turn lender policies into practical assessment guidance. Brokers and assessors can ask policy questions, test scenarios and compare an application against lender requirements for income, employment, credit conduct, residency, security, LVR and loan structure.

Anika will bring policy fit, serviceability, indicative pricing, repayments, fees and conditions together to recommend suitable lenders. Estimated approval likelihood is a planned decision support feature, requiring validated models and current lender information; it does not represent a lender approval.

02Serviceability and compliance within the workflow

AION is being built to calculate assessable income, apply lender specific income treatment, reconcile financial commitments and model repayment capacity. Brokers can workshop different loan amounts, terms, deposits and debt consolidation structures, with Anika explaining how each change affects the assessment.

Compliance support is designed to sit alongside this work: consent records, disclosure tracking, suitability rationale, AI assisted compliance notes, conditions and review history. Authorised professionals retain responsibility for reviewing evidence and recording decisions.

03Connected through APIs

AION’s planned API capabilities include lender submission and response pathways, Equifax and illion credit reporting, identity verification, open banking and asset information. These connections are intended to reduce repeated information requests and manual transfers between systems while providing a more consistent application package.

04A Workshop Hub for finding a workable solution

The Anika Workshop Hub is designed to help brokers explore lender policies, assess complex scenarios and identify ways to improve an application. Where a deal encounters a barrier, Anika can assist with alternative structures, additional evidence, liability reconciliation or another lender for professional consideration.

05A customer dashboard that keeps the journey connected

A dedicated customer dashboard is designed to connect the borrower directly with their broker. Customers can provide documents, respond to questions, review offers, accept terms, complete signing tasks and follow application progress. Brokers can see outstanding actions and communicate through the same journey, reducing fragmented follow up.

BUILT FOR THE LENDING ECOSYSTEM

Clearer work for everyone involved.

FOR BROKERS

More capacity for customers.

AION aims to create more capacity for advice and customer service.

Discuss the broker workspace

FOR LENDERS

A clearer application package.

AION aims to deliver clearer evidence, consistent submissions and better assessment visibility.

Discuss lender integration

FOR INVESTORS

A connected platform opportunity.

AION offers a subscription platform opportunity across origination, assessment and the wider lending ecosystem.

Investor enquiry

AION currently demonstrates these workflows through an interactive prototype. Live integrations, production AI capabilities and the targeted efficiency gains remain under development and validation.

THE AIONCONNECT ECOSYSTEM

See what connection makes possible.

Select an industry in the network to see how AION and Anika AI could support its work.

THE PEOPLEONE SHARED WORKSPACE

Connected through AION

One application. Shared evidence.
A clearer next step.

CaptureUnderstandCoordinate

Select an industry to explore its benefits with Anika AI.

AION / THE PLATFORM

A clearer path from application to decision.

AION brings the file, the evidence and the people into one journey. Anika AI helps surface what needs attention; finance professionals retain control of the outcome.

01 · Application captured

Bring it together

A guided application and one shared file keep customers, documents, requests and progress connected.

Customer journey and document collection
Identity and consent checkpoints

Understand the evidence

Anika helps professionals review documents, banking conduct, serviceability and lender policy in context.

Evidence linked extraction and gap detection
Risk, spending and policy insights

Make the decision

See suitable pathways and reasons, record a human decision and carry conditions through to settlement.

Policy led matching and explainable recommendations
Review trail, communication and handover

AIONCONNECT / API & INTEGRATIONS

Bring the systems you use together.

Our vision links digital identity, open banking, risk management, fraud detection and compliance across the lending transaction, supporting smoother work between participants.

Identity & compliance

KYC and AML workflows for more confident onboarding.

Open banking

Permission based data to reduce manual collection and improve insight.

Risk & fraud

Signals and review tools that help teams identify issues sooner.

Connected operations

Fewer handoffs and clearer progress across the transaction.

SELECTED CAPABILITY / 01

Identity & compliance

Imagine a guided identity and consent checkpoint, with clear review tasks for authorised teams and an evidence trail that follows the application.

Illustrative platform concept; no live checks are performed here.

AION / ASSESSOR WORKSPACE

See the story behind the statement.

With a customer's permission, an open banking connection could organise transaction evidence into a clearer starting point for brokers and assessors.

Finsight POWERED BY ANIKA AI

01 · Connect02 · Categorise03 · Understand

Connect permission based banking evidence.

ANIKA / BANKING CONDUCT

A clearer view of monthly commitments

Group recurring expenses, credits and changes in account conduct for a human review.

Recurring housing payment$1,850 / month

Income depositsRegular pattern

Review itemVariable transfers

Anika prompts review Check whether transfers reflect an existing commitment before relying on the spending summary.

Discuss the assessor workspace

TECHNOLOGY

Intelligence across the transaction.

AION Connect is designed to coordinate data, workflows and people across the lending journey. We are building toward integration with identity checks, permission based banking data, policy assessment and communication tools.

ANIKA AI

Find the details that need attention.

Anika is our AI layer for summarising applications, highlighting gaps and helping professionals review complex information. Human judgement remains part of important lending decisions.

WHERE WE ARE HEADING

From lending to a connected financial ecosystem.

Our roadmap extends into dealership platforms, real estate workflows and future core banking technology. Each part should make the next interaction easier for the people involved.

OUR FINTECH PRODUCTS

The products behind our fintech platform.

AION coordinates the lending workspace. OrigoID supports identity review. Finsight explains financial behaviour. AutoPass connects finance ready buyers with vehicles.

IDENTITY & VERIFICATION

OrigoID

Digital identity, biometric verification and KYC/AML review workflows for a clearer view of who you are dealing with.

Explore OrigoID

BANKING & BEHAVIOURAL INSIGHTS

Finsight

Financial behaviour insights powered by Anika AI, bringing income, spending patterns and commitments into context.

Explore Finsight

FINANCE & VEHICLE MARKETPLACE

AutoPass

AutoPass connects dealerships with finance ready customers who are actively searching for their next vehicle.

Explore AutoPass

LET’S BUILD WHAT’S NEXT

Have an idea we should explore?

Tell us about your work, ask about a product or discuss a partnership.

Get in touch