Saber began to directly show clients weaknesses in their financial profile, and those borrowers who actually followed the recommendations were able to receive loans of 16.4 billion rubles. Hints with specific actions appear in SBOL - about 2.5 million people see them every month. The recommendation algorithm itself often reduces the decision to simple actions - closing micro loans, paying arrears or updating income data through state services. This step brought customers 8.28 billion rubles in approved loans.