NETSOL Technologies launches AI-powered credit decisioning engine

ENCINO, Calif. - NETSOL Technologies, Inc. (NASDAQ:NTWK), a profitable technology company with a market capitalization of $54.57 million and healthy revenue growth of 7.65% over the last twelve months, has introduced Check AI, an artificial intelligence-powered credit decisioning engine designed to automate and enhance the credit underwriting process, according to a press release issued Wednesday. According to InvestingPro analysis, the company maintains strong financial health with a "GOOD" overall rating.

The new solution, part of the company’s Transcend Finance platform, aims to streamline credit evaluation by automating data gathering across multiple sources, processing documents, and performing financial analysis.

Check AI combines deep reasoning capabilities with intelligent automation to process data into credit decisions in real-time. The system generates comprehensive research reports that include suggested finance structures, trend forecasting, and risk profiling based on financial statements, credit histories, and market indicators.

While automating much of the underwriting process, the system maintains human oversight through what the company calls a "human-in-the-loop" approach, which allows analysts to interact with the AI through a chat interface.

"With the launch of Check AI, we’re bringing a powerful, AI-native solution to one of the most critical areas of the financial services industry: credit decisioning," said Naeem Ghauri, Co-Founder and President of NETSOL Technologies. The company’s technological advancement comes amid impressive market performance, with InvestingPro data showing a remarkable 113% stock price increase over the past six months.

According to the company, the technology could significantly reduce credit approval cycles. The press release cited a Rudder Analytics article from May 2025 suggesting AI in credit processing can reduce approval cycles by up to 60%.

Kamran Khalid, Chief Product and Delivery Officer at NETSOL, emphasized that despite the automation, "human judgment and oversight remain central to the system."

NETSOL Technologies plans to demonstrate Check AI at the Auto Finance Summit in Las Vegas from October 15-17, 2025.

The company provides asset finance and leasing industry solutions to automotive and equipment manufacturers, captive finance companies, and financial institutions across more than 30 countries. With a current ratio of 2.35 and strong cash position, NETSOL demonstrates solid operational efficiency. Investors seeking detailed insights can access comprehensive analysis and additional ProTips through InvestingPro’s exclusive research reports, which provide in-depth coverage of over 1,400 US stocks.

In other recent news, NetSol Technologies reported a significant increase in its Q4 2025 earnings. The company achieved total net revenues of $18.4 million, marking an 11.9% rise compared to the same period last year. Additionally, NetSol Technologies saw a substantial increase in its non-GAAP EBITDA, which surged by 291% year-over-year. These financial results highlight the company’s strong performance in the latest quarter. There have been no recent reports of mergers or acquisitions involving NetSol Technologies. Analyst upgrades or downgrades for the company have also not been mentioned in recent developments. These updates reflect the latest financial and business activities surrounding NetSol Technologies.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.