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Glossary · Lokta concept vocabulary

Workflow AI vs agentic AI

Workflow AI assists a human inside an existing process; agentic AI runs the multistep process end-to-end. Both sit above a deterministic core; neither substitutes for it.

Workflow AI drafts a dunning letter, summarises a borrower file, suggests a hardship category, explains a calculation: the human approves and moves on. Agentic AI picks up a defaulted loan, contacts the borrower, negotiates a plan within policy, escalates exceptions, and logs every step for audit. Workflow AI is a productivity layer; agentic AI is a labour layer. They serve different hand-offs and require different governance.

Read: our AI philosophy in lending →

Related terms

  • Lending ontologyA lending ontology is one canonical model of the loan (borrower, application, repayment, and risk, plus the relationships between them) that the whole lending stack reads and writes through, instead of a separate copy of the loan in every system..
  • Agent-native lending (Agent-native lending platform)An agent-native lending platform is a lending core built to be operated by agents (software that reads the loan, decides, and acts) rather than by people clicking through screens.
  • Deterministic coreA deterministic core is the layer of a lending platform whose outputs are fully reproducible from inputs and policy: no probabilistic models, no LLM calls, no hidden randomness..
  • Audit-by-designAudit-by-design is the principle that every decision a lending platform makes (human, workflow AI, or agent) produces a tamper-evident record that a regulator or internal auditor can replay..

All terms in the Lokta lending glossary →

Founder-led adoption

Adopt the agentic loan servicing platform.

Lokta is built for enterprise deployment, VPC or single-tenant cloud, with an audit trail in every state change. We work with a select group of institutions through a founder-led model: deep adoption, deliberate scope, a delivery window the team commits to in writing.

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