Cognita Agentic Origination OS is a modular, composable operating system that transforms end-to-end customer journeys without replacing core technology.
Cognita streamlines onboarding and lending with automation deployed on AWS, explainable AI, and no-code configuration that doesn't require integration into a core banking system. It improves customer experience with 30-minute digital journeys, boosts productivity by 2-3 times through workflow automation, and cuts operational cost ratios by up to 50%. This delivers faster time-to-value without replacing core platforms. Powered by Agentic AI and AWS.
Highlights
Pioneer: Cognita from CreditLogic is the first AI-Powered Origination Operating System.
Trusted: Over 80 regulated financial institutions. Over 45bn euros of consumer credit processed.
Proven: Instant commercial impact with ROI <12 months. 80% reduction in effort; 50% reduction in opex.
AWS Marketplace now accepts line of credit payments through the PNC Vendor Finance program. This program is available to select AWS customers in the US, excluding NV, NC, ND, TN, & VT.
Pricing is based on the duration and terms of your contract with the vendor. This entitles you to a specified quantity of use for the contract duration. If you choose not to renew or replace your contract before it ends, access to these entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Cognita is sold through a single contract dimension called Cognita origination OS, billed in Units. There are no public tiers or set rates. Instead, you arrange pricing directly with the vendor by contacting sales@creditlogic.io for a private offer. This means terms and quantities are negotiated to fit your deployment rather than selected from fixed options. The Units measure reflects your agreed usage or scope. To get exact pricing and confirm how Units apply to your case, reach out to the vendor for a custom quote.
Top-of-mind questions for buyers
What does the Units measure in the Cognita origination OS dimension refer to?
The listing does not publish a fixed definition of a Unit. Because pricing is arranged as a private offer, the vendor sets what a Unit maps to for your deployment. To confirm whether Units track applications, documents processed, users, or scope, contact sales@creditlogic.io for a custom quote.
Does buying the origination OS include document processing and decisioning, or are those separate?
Cognita covers document intelligence and decision intelligence capabilities. Document intelligence classifies, extracts, and validates uploaded files. Decision intelligence applies rules and routes exceptions for review. Extra modules, integrations, and expert services are described as additions. Confirm what your Units include with the vendor before purchase.
How is Cognita deployed and can it scale as our application volume grows?
Cognita uses an API-first architecture and deploys without replacing your core systems. It handles hundreds of applications per hour and lets you add modules and loan products over time. Because pricing is a private offer, ask the vendor how added scope affects your Units.
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