Atom bank has installed a new automated AI-ready platform which it said will improve speed, efficiency and scalability within the commercial lending market.

Installed in partnership with technology firm Flowable, the UK digital bank said the new platform creates a customised architecture for its lending operations, helping to reduce loan origination times and laying the foundations for future AI-powered capabilities.

The implementation uses Flowable's agentic case platform, which Atom said will help the company to move away from off-the-shelf systems.

The bank added the technology will support future developments, such as AI-assisted underwriting and other automated lending processes.

According to Atom, the new platform has already delivered handling time reductions of up to 30 per cent between application and agreement in principle for commercial loans. The bank expects further improvements as the system matures.

Atom said the technology will also increase processing capacity, enabling it to manage higher lending volumes without a corresponding increase in headcount. Automated workflows will replace manual handoffs, which Atom said will improve operational resilience and reduce risk.

The bank added that brokers will benefit from faster processing times, improved case visibility and a more streamlined application process.

The platform includes a secure broker portal with real-time case tracking and structured information capture designed to support lending decisions. Atom said the changes will allow lending specialists to spend more time on complex cases rather than administrative tasks.

"An integral element of Atom's competitive position will be our ability to complete transactions faster than competitors through a combination of market-leading technology and smart process engineering,” said Tom Renwick, head of business lending at Atom bank. "By unleashing the full potential of our team and automating repetitive processes, we are delivering a lending platform that redefines speed and efficiency in the market."

Renwick added that the technology would help the bank scale its operations without a proportional increase in fixed costs while ensuring it can adapt quickly to changing broker requirements and market opportunities.

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