2.4 KiB
AI Features Scoping Plan
Context
Board wants to scope potential paid AI features for Lendair. Goal is monetization via premium AI features on top of core micro-lending platform.
Proposed AI Features (v1 Paid Tier)
1. Smart Loan Matching (Lender)
What: Match available loans to lender preferences on returns and risk. User value: Saves time, surfaces best-fit opportunities automatically. Data needed: Loan terms, lender risk appetite, historical borrower performance, return projections. Complexity: Medium. Needs preference engine + scoring model.
2. Credit/Trust Score (Both Sides)
What: AI-generated score for each party's loanworthiness/history. Lenders see borrower score; borrowers see their own lender reliability score. User value: Trust signal reduces friction on both sides. Data needed: Historical repayment data, loan completion rates, on-time payment history, defaults. Complexity: Medium. Requires historical data accumulation; harder for new users.
3. Loan Health Dashboard (Borrower)
What: AI-powered view showing repayment trajectory, early warning for cash flow issues, suggested prepayment amounts. User value: Helps borrowers stay on track and build credit. Complexity: Low-Medium.
4. Risk-Adjusted Return Engine (Lender)
What: For each loan, show projected return after historical default probability. Helps lenders optimize portfolio allocation. User value: Better risk/return tradeoff decisions. Complexity: Medium.
5. Auto-Diversification Advisor (Lender)
What: Suggest optimal loan distribution across borrowers to minimize portfolio risk. User value: Professional-grade portfolio management. Complexity: Medium-High.
6. Fraud/Anomaly Detection (Platform)
What: Detect suspicious borrowing patterns, synthetic identities, unusual default clustering. User value: Platform safety, protects lenders. Complexity: High (but defensive - could be free feature).
Prioritization for MVP Paid Tier
- Loan Matching (Lender) - Board specified as obvious first win
- Trust Score (Both) - High trust signal, good differentiator
- Risk-Adjusted Returns - Natural extension of #1
Revenue Model
- Subscription: bundle v1 features, charge ~$5-15/month
- Or: per-feature unlock
Next Steps
- Board confirms direction
- Hand off to CTO for technical feasibility/estimation
- Create product spec issues for prioritized features