Pricing

Human vs. AI workforce - modeled for Western European lenders

Benchmarks use typical loaded compensation bands for retail and commercial lending roles in major EU markets (Germany, France, Benelux, Nordics). Figures are illustrative in EUR-not a quote. Agent and LLM usage is metered separately, following transparent per-run patterns common in the industry.

Illustrative savings band

~60-88%

Typical reduction in modeled variable labor when repetitive acquisition, credit prep, collections, and ops steps are automated-before reallocating staff to exceptions, audit, and growth.

Scale qualification without linear hiring in each market

Pre-qualification, document chasing, LOS/CRM hygiene, and multilingual outreach consume relationship-manager and operations capacity. Agents standardize the repetitive path under your conduct and GDPR rules; humans stay on advice and exceptions.

Typical human benchmark (Western Europe)

Retail and mortgage advisory support roles often land roughly €45K-€85K base before social charges; fully loaded employer cost frequently maps to ~€35-€65/hr depending on country and seniority.
Meaningful lead progression commonly requires 25-50+ minutes of human time per opportunity once KYC and suitability steps are included.
Multi-entity rollouts duplicate training, QA, and conduct monitoring costs per jurisdiction.

Eurostat and national statistics offices publish financial-services earnings; loaded cost adds statutory contributions (often a significant uplift over gross salary).

AI workforce + LendingIQ (illustrative, EUR context)

Agents execute scripted journeys with immutable audit logs, data-minimization patterns, and your approved disclosures.
Platform fee plus metered workflow completions; LLM and messaging channels billed at pass-through or contracted rates in EUR/USD.
Human approval steps for MCD/IDD-style hand-offs where you require it.

Many EU teams model cost per completed acquisition pack or per qualified application handed to a human advisor.

Example: mortgage / retail lending leads

~2,400 qualified conversations/month previously covered by ~3.5 FTE of mixed junior advisory support.

Modeled human run-rate

~€35K-€48K/mo loaded labor (illustrative model)

Modeled AI + LendingIQ

~€5.5K-€13K/mo LendingIQ + LLM usage for comparable throughput (illustrative)

Typical savings vs model

Often ~68-84% vs. modeled human run-rate at this volume

How to read these numbers

All amounts are illustrative EUR planning models-not an offer. Social charges, collective agreements, and country-specific conduct rules materially change outcomes.
FX: where models are built in USD internally, we translate for display; your contract may be EUR, USD, or mixed.
We calibrate to your legal entities, languages, and systems during an AI audit.

Reference

Eurostat - earnings statistics

Want numbers tied to your LOS, channels, and SLAs- We’ll calibrate human baselines and agent throughput in a short working session.

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