AI for cooperatives in Paraguay: loan files

Ready for a pilot?

Tick what you already have; heavier items stall a pilot more. Nothing is sent.

Pilot readiness for a cooperative

0 % · 0 of 6 controls that applyFirst missing: process measured and board sign-off

Not yet: the basics for testing with real data are missing.

Higher-risk controls weigh more in the score.

We know how many applications arrive per month and how long each file takes.
The board approved what data the AI sees and what the committee decides.
There is a read-only path to the core system or a copy, without touching production.
We have the member’s explicit consent to check their credit data.
Every action is logged with date, user and version, as evidence for INCOOP.
A named manager is accountable for the pilot.

What it costs and when it pays back

Hours freed by AI minus what it costs to run. Examples are marked; public prices link to their source.

Loan applications per month800

Minutes of work per file today60 min

Minutes per file with AI (example)15 min

AI model

Cost per hour (PYG)

Floor: the minimum-wage hourly value (MTESS, July 2026). Typical real cost (example): ×2.5, a salary of two minimum wages plus employer contributions and the 13th month. Source

Today800 h/month

Automated200 h/month

Value of hours freed per month600 h × PYG 12,683: PYG 7,609,800
AI model public price800 applications × USD 0.0040 (example: 30,000 input + 2,000 output tokens; gpt-6-luna at USD 0.10 / 0.50 per million) · OpenAI · API pricing: −PYG 18,222
Platform, monitoring and support exampleTypical monthly range: −PYG 1,423,618 to −PYG 3,416,682
Net savings per month: PYG 4,174,896 to PYG 6,167,960
Core system read access, committee rules, testing and pilot typical range · exampleOne-off, up front: PYG 34,166,820 to PYG 85,417,050
Months to pay back the investment: 5.5 to 20 months

Tokens: the unit AI providers bill for the text the model reads (input) and writes (output). OpenAI puts 100 tokens at about 75 English words.

Range: the lower figure uses low costs, the higher one high costs. Public prices checked on 11 Oct 2026. USD prices converted at PYG 5,694.47 per dollar (reference rate of 9 Oct 2026): BCP

estimated

4-week pilot

A typical plan; real timing depends on your systems.

Pilot · weeks 1 to 4

Week 1Pick and measureOne loan type (consumer or SME) and its baseline of time and missing items.KPI: Signed baseline
Week 2Rules and accessThe board defines what AI sees; read-only access and every step logged.KPI: Access approved
Week 3Controlled testAI builds 100 real anonymized files; officers correct them.KPI: Correct fields (example target: 95%)
Week 4Scoped real useOne branch uses the flow and it is compared to the baseline.KPI: Minutes per file vs. baseline

Before you start

Loan type chosen and monthly applications measured
Written rules: what the AI sees and what the committee decides
Read-only access to the core system or a copy
Member consent text for credit data reviewed
100 real anonymized files for testing
Pilot owner and success metric agreed

Frequently asked questions

How do you handle security and confidentiality of member data?

With the same discipline as enterprise: role-based access, audit logs, protected sensitive data and deployments on controlled infrastructure. We define the security model with you before writing a line of code.

Can you integrate with our core system?

Yes. Integration with core and legacy systems is our specialty. We assess your core in the diagnostic and define the safest integration path.

Can AI make mistakes with financial data?

That's why nothing critical is delegated without a safety net: bounded action scope, automated validations and human oversight on sensitive operations. AI proposes, the system validates, the human authorizes.

Do you work with regulated entities?

Yes. We understand the sector's traceability and documentation requirements and build them into the design from day one, not as an afterthought.