Building Intelligent Bank Approval Workflows with Symfony 7.4 and Symfony AI

In the rapidly evolving landscape of 2026, “AI-first” is no longer a buzzword — it is an architectural requirement. For fintech institutions, the ability to automate credit decisions while maintaining strict compliance is the holy grail. In this deep dive, we will build a production-grade Bank Loan Approval Workflow . We won’t just move entities from “Draft” to “Approved.” We will inject a cognitive layer into the state machine using symfony/workflow and symfony/ai-bundle . Our system will automatically score loan applications and dynamically route them: high-scoring applications get instant approval, risky ones get rejected and borderline cases are routed to human underwriters. The Architecture We are building a Score-Driven State Machine. Traditional workflows are linear or user-driven. Ours is agentic . Submission: User submits a loan application. AI Analysis: A dedicated AI Agent analyzes the applicant’s raw data (income, debt, history) against a “Risk Policy” prompt. Scoring: The