AVA’s AI Credit® Journey
From Early Vision to Enterprise Reality: 2017-2025
The Origin Phase
Early recognition of transformer architecture and its transformative potential in financial services. Filed and secured the AI Credit® trademark in October 2017, establishing foundational intellectual property for AI-enabled secured lending.
The Operational Phase
Conducted nine systematic R&D AI Credit® Trials across 145 live commercial transactions. Evolved from traditional AI back-office automation to human-AI augmentation, operationalizing breakthrough generative AI applications for commercial lending. AVA is incorporated in Delaware and incubated as an AI-enabled credit copilot, an accelerated virtual analyst.
The Enterprise Phase
Launched AVA Credit Inc. and Applied AI consulting division. Selected for exclusive Perplexity AI Business Fellowship alongside industry leaders and CEOs from Perplexity, NVIDIA, Databricks, Box, Bloomberg Beta, Bridgewater and leading venture firms. Published ‘Working With Generative AI’ and onboarded first financial services clients.