One of the most significant sources of income in retail banking comes from lending, but that does not come without risk and time-consuming activities. In traditional retail banking specific processes need to be followed to make sure new business is acquired at acceptable risks levels set by each organization. Starting with the Financial Services Representative, passing to the underwriter, and ending in retail operations, all stakeholders play a critical role in getting a new deal mitigating risks. AI – Artificial Intelligence – could help not only to streamline this process but also to help gather crucial information in case no historical credit information is found. AI can highly increase successful lending in sales and from a credit management perspective by correlating a number of different indicators from account transactions, bill payments regularity, the average time between deposits and withdraws, variance and trend on month-end balances, along with behaviour from good or defaulted credit clients.