AI BriefingMy Own Loan Coach: Building a Personalized AI Loan Coaching Service
Key point
Kakao Pay's CreditClan team used AWS Bedrock to develop a personalized AI loan coach service for users.
Details
Kakao Pay's CreditClan team developed the 'AI Loan Coach' service at the 2025 Generative AI Hackathon with AWS to relieve users' anxiety about loans. The focus was on solving the problems of complex terminology and information asymmetry in the loan process through the conversational capabilities of generative AI.
The service is designed around a chat UI where users can directly set the tone and personality of a counselor character. Through this, users can feel an emotional bond and lead the loan process proactively, as if talking with a personal trainer.
The loan exploration journey consists of the following 3 stages:
- Loan intent and purpose analysis: Identifying the reason and purpose for the loan through counseling
- Loan product exploration and asset analysis: Exploring approvable products and interest rates based on the user's assets
- Results summary and customized strategy provision: Providing optimal loan guidance and repayment plan guidance
Technically, the service utilizes AWS API Gateway, AWS Lambda, and AWS RDS, with AWS Bedrock Agent and Knowledge Base as the core engine. This minimizes hallucination and provides accurate financial information, generating customized prompts tailored to the user's situation to provide answers.
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