Intervention(s)
All branches in the study receive a generative AI credit-assessment tool and standard training. The tool is customized and trained on the firm’s internal information base (policies, product databases, procedural manuals, past product to client matches) and employees’ knowledge. The main objective of the tool is to assist employees on the credit analysis of loan applications. In each treatment branch, one or more employees are additionally designated as GenAI facilitator: they take on a support role — encouraging colleagues use the tool, troubleshooting problems, and acting as a knowledge broker (within and across organizational units). Facilitators are identified before deployment targeting employees who are both helpful and technology-affine. Control branches receive the tool and training without a designated facilitator.