Credit appraisal,
governed by design.

An AI orchestration layer for Vietnamese banks. Customer documents are read inside the bank. Only masked or public data goes out. A person makes every decision.

ExtractionDe-identificationEgress scannerReview gateAudit logModel tiering

Runs entirely on

Cloudflare PagesWorkers AID1
FrameworkThree layers. One decision owner.

Automate the reading, keep the judgement. The framework decides what AI may do, where it may run, what evidence it leaves, and when a person must take over.

THE PROBLEM

Analysts spend their judgement on data entry.

SME files mix scanned statements, registrations, bank records and valuations, all re-keyed by hand.

L1 · CAPABILITIES

Extraction, OCR, research, memo drafting

Each task runs on the smallest model that clears the accuracy bar.

1
L2 · HARNESS

Deterministic skills and case memory

Units, separators, reconciliation and ratios are handled in code, not by the model.

2
L3 · GUARDRAIL

Masking, egress scanner, review gate

Nothing identifying leaves. Every call is logged, and no memo is drafted before a person signs off.

3
SME-009 · Công ty TNHH Gỗ Kim Longtask-routed
Loan requested
52.118.000.000 ₫
3 flagsLTV 163%28 fieldsReview gate →

From credit pack to decision in four steps

1

Read inside the perimeterSix documents are extracted in parallel by a sovereign 8B model.

2

Reconcile in codeCross-document checks flag revenue, charter capital, cash-flow and LTV issues.

3

Reason outside, maskedOnly public sector facts and a tokenised fact sheet reach the larger model.

4

A person decidesThe analyst disposes of every field, then the credit officer records the decision.

ResultsMeasured on 15 synthetic files × 25 fields, live Workers AI
99.5%
field accuracy with an 8B sovereign model
$0.0006
inference cost per credit file
0 / 90
external calls carrying an identifier
100%
planted red flags caught (S2 and above)

Synthetic data only. Masking recall on held-out adversarial formats was 73%, which is why raw documents stay inside the perimeter. Full method and limitations are in Progress Report 3.

VinUni MBA Capstone · Group 5

An AI orchestration framework for document-intensive banking

Advisor: Dr. Nguyen Thi Mai Lan · College of Business and Management, VinUniversity

Le Quoc TrungV202101919
Nguyen Thi Thu PhuongV202501924
Dang Dam LinhV202501909
Nguyen Viet HungV202501908