How to Build an AI-Driven Loan Approval Workflow 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. Bank Loan Approval Workflow “Draft” “Approved.” symfony/workflow symfony/ai-bundle The Architecture We are building a Score-Driven State Machine. Traditional workflows are linear or user-driven. Ours is agentic. 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 AI returns a structured score (0–100) and a reasoning summary. Dynamic Routing:Score > 80:Auto-Approve.Score 80:Auto-Approve.Score 80: Score < 40: 40–80: The Stack PHP 8.4: For utilizing the new Property Hooks and native HTML5 parsing if needed. Symfony 7.4: The LTS core. symfony/workflow: Managing the state lifecycle. symfony/ai-bundle: The integration layer for LLMs (OpenAI, Anthropic, or local models). PHP 8.4: For utilizing the new Property Hooks and native HTML5 parsing if needed. PHP 8.4: Symfony 7.4: The LTS core. Symfony 7.4: symfony/workflow: Managing the state lifecycle. symfony/workflow: symfony/ai-bundle: The integration layer for LLMs (OpenAI, Anthropic, or local models). symfony/ai-bundle: Project Setup and Prerequisites First, ensure you have the Symfony CLI and PHP 8.4 installed. We will create a new skeleton project and install our dependencies. symfony new bank_approval --webapp --version=7.4 cd bank_approval symfony new bank_approval --webapp --version=7.4 cd bank_approval Installing Dependencies We need the workflow component and the AI bundle. Note that since mid-2025, symfony/ai-bundle has been the standard for AI integration. symfony/ai-bundle composer require symfony/workflow symfony/ai-bundle symfony/http-client composer require symfony/workflow symfony/ai-bundle symfony/http-client We assume you have an OpenAI API key or similar for the AI platform configuration. Configuration **AI Configuration (config/packages/ai.yaml) \ We will configure a “Risk Agent” specifically designed for financial analysis. We use gpt-4o (or the latest equivalent available in 2026) for its reasoning capabilities. ai: platform: openai: api_key: '%env(OPENAI_API_KEY)%' agent: risk_officer: model: 'gpt-4o' prompt: file: '%kernel.project_dir%/tools/prompt/riskManager.txt' ai: platform: openai: api_key: '%env(OPENAI_API_KEY)%' agent: risk_officer: model: 'gpt-4o' prompt: file: '%kernel.project_dir%/tools/prompt/riskManager.txt' **Workflow Configuration (config/packages/workflow.yaml) \ We define a workflow named loan_approval. loan_approval framework: workflows: loan_approval: type: 'state_machine' audit_trail: enabled: true marking_store: type: 'method' property: 'status' supports: - App\Entity\LoanApplication initial_marking: draft places: - draft - processing_score - manual_review - approved - rejected transitions: submit: from: draft to: processing_score auto_approve: from: processing_score to: approved auto_reject: from: processing_score to: rejected refer_to_underwriter: from: processing_score to: manual_review underwriter_approve: from: manual_review to: approved underwriter_reject: from: manual_review to: rejected framework: workflows: loan_approval: type: 'state_machine' audit_trail: enabled: true marking_store: type: 'method' property: 'status' supports: - App\Entity\LoanApplication initial_marking: draft places: - draft - processing_score - manual_review - approved - rejected transitions: submit: from: draft to: processing_score auto_approve: from: processing_score to: approved auto_reject: from: processing_score to: rejected refer_to_underwriter: from: processing_score to: manual_review underwriter_approve: from: manual_review to: approved underwriter_reject: from: manual_review to: rejected The Domain Layer We need an entity that holds the data and the state. We’ll use PHP 8.4 attributes for mapping. namespace App\Entity; use App\Repository\LoanApplicationRepository; use Doctrine\DBAL\Types\Types; use Doctrine\ORM\Mapping as ORM; #[ORM\Entity(repositoryClass: LoanApplicationRepository::class)] class LoanApplication { #[ORM\Id] #[ORM\GeneratedValue] #[ORM\Column] private ?int $id = null; #[ORM\Column(length: 255)] private ?string $applicantName = null; #[ORM\Column] private ?int $annualIncome = null; #[ORM\Column] private ?int $requestedAmount = null; #[ORM\Column] private ?int $totalMonthlyDebt = null; // The Workflow Marking #[ORM\Column(length: 50)] private string $status = 'draft'; // AI Scoring Results #[ORM\Column(type: Types::INTEGER, nullable: true)] private ?int $riskScore = null; #[ORM\Column(type: Types::TEXT, nullable: true)] private ?string $aiReasoning = null; public function __construct(string $name, int $income, int $amount, int $monthlyDebt) { $this->applicantName = $name; $this->annualIncome = $income; $this->requestedAmount = $amount; $this->totalMonthlyDebt = $monthlyDebt; } // Getters and Setters... public function getId(): ?int { return $this->id; } public function getApplicantName(): ?string { return $this->applicantName; } public function setApplicantName(string $applicantName): static { $this->applicantName = $applicantName; return $this; } public function getAnnualIncome(): ?int { return $this->annualIncome; } public function setAnnualIncome(int $annualIncome): static { $this->annualIncome = $annualIncome; return $this; } public function getRequestedAmount(): ?int { return $this->requestedAmount; } public function setRequestedAmount(int $requestedAmount): static { $this->requestedAmount = $requestedAmount; return $this; } public function getTotalMonthlyDebt(): ?int { return $this->totalMonthlyDebt; } public function setTotalMonthlyDebt(int $totalMonthlyDebt): static { $this->totalMonthlyDebt = $totalMonthlyDebt; return $this; } public function getStatus(): string { return $this->status; } public function setStatus(string $status): void { $this->status = $status; } public function setAiResult(int $score, string $reasoning): void { $this->riskScore = $score; $this->aiReasoning = $reasoning; } public function getRiskScore(): ?int { return $this->riskScore; } public function getAiReasoning(): ?string { return $this->aiReasoning; } // Calculated fields for the AI context public function getDtiRatio(): float { $monthlyIncome = $this->annualIncome / 12; if ($monthlyIncome === 0) return 100.0; return ($this->totalMonthlyDebt / $monthlyIncome) * 100; } } namespace App\Entity; use App\Repository\LoanApplicationRepository; use Doctrine\DBAL\Types\Types; use Doctrine\ORM\Mapping as ORM; #[ORM\Entity(repositoryClass: LoanApplicationRepository::class)] class LoanApplication { #[ORM\Id] #[ORM\GeneratedValue] #[ORM\Column] private ?int $id = null; #[ORM\Column(length: 255)] private ?string $applicantName = null; #[ORM\Column] private ?int $annualIncome = null; #[ORM\Column] private ?int $requestedAmount = null; #[ORM\Column] private ?int $totalMonthlyDebt = null; // The Workflow Marking #[ORM\Column(length: 50)] private string $status = 'draft'; // AI Scoring Results #[ORM\Column(type: Types::INTEGER, nullable: true)] private ?int $riskScore = null; #[ORM\Column(type: Types::TEXT, nullable: true)] private ?string $aiReasoning = null; public function __construct(string $name, int $income, int $amount, int $monthlyDebt) { $this->applicantName = $name; $this->annualIncome = $income; $this->requestedAmount = $amount; $this->totalMonthlyDebt = $monthlyDebt; } // Getters and Setters... public function getId(): ?int { return $this->id; } public function getApplicantName(): ?string { return $this->applicantName; } public function setApplicantName(string $applicantName): static { $this->applicantName = $applicantName; return $this; } public function getAnnualIncome(): ?int { return $this->annualIncome; } public function setAnnualIncome(int $annualIncome): static { $this->annualIncome = $annualIncome; return $this; } public function getRequestedAmount(): ?int { return $this->requestedAmount; } public function setRequestedAmount(int $requestedAmount): static { $this->requestedAmount = $requestedAmount; return $this; } public function getTotalMonthlyDebt(): ?int { return $this->totalMonthlyDebt; } public function setTotalMonthlyDebt(int $totalMonthlyDebt): static { $this->totalMonthlyDebt = $totalMonthlyDebt; return $this; } public function getStatus(): string { return $this->status; } public function setStatus(string $status): void { $this->status = $status; } public function setAiResult(int $score, string $reasoning): void { $this->riskScore = $score; $this->aiReasoning = $reasoning; } public function getRiskScore(): ?int { return $this->riskScore; } public function getAiReasoning(): ?string { return $this->aiReasoning; } // Calculated fields for the AI context public function getDtiRatio(): float { $monthlyIncome = $this->annualIncome / 12; if ($monthlyIncome === 0) return 100.0; return ($this->totalMonthlyDebt / $monthlyIncome) * 100; } } The AI Scoring Service This is the core of our “Intelligent Workflow.” We will create a service that formats the entity data into a prompt, sends it to our configured risk_officer agent and parses the JSON response. “Intelligent Workflow.” risk_officer agent namespace App\Service; use App\Entity\LoanApplication; use Symfony\AI\Agent\AgentInterface; use Symfony\AI\Platform\Message\MessageBag; use Symfony\Component\DependencyInjection\Attribute\Target; use Symfony\AI\Platform\Message\UserMessage; use Symfony\AI\Platform\Message\Content\Text; readonly class LoanScorer { public function __construct( #[Target('risk_officer')] private AgentInterface $agent ) {} /** * @return array{score: int, reasoning: string} */ public function scoreApplication(LoanApplication $loan): array { // 1. Construct the context for the AI $context = sprintf( "Applicant: %s Annual Income: $%d Requested Amount: $%d Monthly Debt: $%d Calculated DTI: %.2f%%", $loan->getApplicantName(), $loan->getAnnualIncome(), $loan->getRequestedAmount(), $loan->getTotalMonthlyDebt(), $loan->getDtiRatio() ); // 2. Create the message $message = new UserMessage(new Text($context)); // 3. Call the AI Agent // In Symfony 7.4/AI Bundle, we call the agent which handles the platform communication $response = $this->agent->call( new MessageBag($message) ); // 4. Parse the output // Ideally, we would use Structured Outputs (JSON mode) supported by the bundle $content = $response->getContent(); return $this->parseJson($content); } private function parseJson(string $content): array { // The AI might wrap the JSON in a markdown code block. Let's extract it. if (preg_match('/```json\s*(\{.*?\})\s*```/s', $content, $matches)) { $jsonContent = array_pop($matches); } else { // If no markdown block is found, assume the content is already a JSON string. $jsonContent = $content; } $data = json_decode($jsonContent, true); if (!isset($data['score']) || !is_int($data['score']) || !isset($data['reasoning']) || !is_string($data['reasoning'])) { throw new \RuntimeException('AI returned invalid or malformed JSON format: ' . $content); } return $data; } } namespace App\Service; use App\Entity\LoanApplication; use Symfony\AI\Agent\AgentInterface; use Symfony\AI\Platform\Message\MessageBag; use Symfony\Component\DependencyInjection\Attribute\Target; use Symfony\AI\Platform\Message\UserMessage; use Symfony\AI\Platform\Message\Content\Text; readonly class LoanScorer { public function __construct( #[Target('risk_officer')] private AgentInterface $agent ) {} /** * @return array{score: int, reasoning: string} */ public function scoreApplication(LoanApplication $loan): array { // 1. Construct the context for the AI $context = sprintf( "Applicant: %s Annual Income: $%d Requested Amount: $%d Monthly Debt: $%d Calculated DTI: %.2f%%", $loan->getApplicantName(), $loan->getAnnualIncome(), $loan->getRequestedAmount(), $loan->getTotalMonthlyDebt(), $loan->getDtiRatio() ); // 2. Create the message $message = new UserMessage(new Text($context)); // 3. Call the AI Agent // In Symfony 7.4/AI Bundle, we call the agent which handles the platform communication $response = $this->agent->call( new MessageBag($message) ); // 4. Parse the output // Ideally, we would use Structured Outputs (JSON mode) supported by the bundle $content = $response->getContent(); return $this->parseJson($content); } private function parseJson(string $content): array { // The AI might wrap the JSON in a markdown code block. Let's extract it. if (preg_match('/```json\s*(\{.*?\})\s*```/s', $content, $matches)) { $jsonContent = array_pop($matches); } else { // If no markdown block is found, assume the content is already a JSON string. $jsonContent = $content; } $data = json_decode($jsonContent, true); if (!isset($data['score']) || !is_int($data['score']) || !isset($data['reasoning']) || !is_string($data['reasoning'])) { throw new \RuntimeException('AI returned invalid or malformed JSON format: ' . $content); } return $data; } } The Workflow Automator Now we need the logic that connects the Scorer to the Workflow. This service triggers the transitions based on the score. namespace App\Service; use App\Entity\LoanApplication; use Doctrine\ORM\EntityManagerInterface; use Symfony\Component\Workflow\WorkflowInterface; use Psr\Log\LoggerInterface; readonly class LoanAutomationService { public function __construct( private WorkflowInterface $loanApprovalStateMachine, private LoanScorer $scorer, private EntityManagerInterface $entityManager, private LoggerInterface $logger ) {} public function processApplication(LoanApplication $loan): void { // 1. Verify we are in the correct state if ($loan->getStatus() !== 'processing_score') { return; } $this->logger->info("Starting AI scoring for Loan #{$loan->getId()}"); // 2. Get the AI Score try { $result = $this->scorer->scoreApplication($loan); // Update entity with results $loan->setAiResult($result['score'], $result['reasoning']); $this->entityManager->flush(); $score = $result['score']; $this->logger->info("AI Score generated: {$score}"); // 3. Determine and Apply Transition $transition = $this->determineTransition($score); if ($this->loanApprovalStateMachine->can($loan, $transition)) { $this->loanApprovalStateMachine->apply($loan, $transition); $this->entityManager->flush(); $this->logger->info("Applied transition: {$transition}"); } else { $this->logger->error("Transition {$transition} blocked for Loan #{$loan->getId()}"); } } catch (\Exception $e) { $this->logger->error("AI Scoring failed: " . $e->getMessage()); // Fallback: Default to manual review on error if ($this->loanApprovalStateMachine->can($loan, 'refer_to_underwriter')) { $this->loanApprovalStateMachine->apply($loan, 'refer_to_underwriter'); $this->entityManager->flush(); } } } private function determineTransition(int $score): string { return match (true) { $score >= 80 => 'auto_approve', $score 'auto_reject', default => 'refer_to_underwriter', }; } } namespace App\Service; use App\Entity\LoanApplication; use Doctrine\ORM\EntityManagerInterface; use Symfony\Component\Workflow\WorkflowInterface; use Psr\Log\LoggerInterface; readonly class LoanAutomationService { public function __construct( private WorkflowInterface $loanApprovalStateMachine, private LoanScorer $scorer, private EntityManagerInterface $entityManager, private LoggerInterface $logger ) {} public function processApplication(LoanApplication $loan): void { // 1. Verify we are in the correct state if ($loan->getStatus() !== 'processing_score') { return; } $this->logger->info("Starting AI scoring for Loan #{$loan->getId()}"); // 2. Get the AI Score try { $result = $this->scorer->scoreApplication($loan); // Update entity with results $loan->setAiResult($result['score'], $result['reasoning']); $this->entityManager->flush(); $score = $result['score']; $this->logger->info("AI Score generated: {$score}"); // 3. Determine and Apply Transition $transition = $this->determineTransition($score); if ($this->loanApprovalStateMachine->can($loan, $transition)) { $this->loanApprovalStateMachine->apply($loan, $transition); $this->entityManager->flush(); $this->logger->info("Applied transition: {$transition}"); } else { $this->logger->error("Transition {$transition} blocked for Loan #{$loan->getId()}"); } } catch (\Exception $e) { $this->logger->error("AI Scoring failed: " . $e->getMessage()); // Fallback: Default to manual review on error if ($this->loanApprovalStateMachine->can($loan, 'refer_to_underwriter')) { $this->loanApprovalStateMachine->apply($loan, 'refer_to_underwriter'); $this->entityManager->flush(); } } } private function determineTransition(int $score): string { return match (true) { $score >= 80 => 'auto_approve', $score 'auto_reject', default => 'refer_to_underwriter', }; } } Wiring it with Events To make this seamless, we want the automation to trigger immediately after the user submits the application. We can use a Workflow Event Listener. When the loan enters the processing_score state (via the submit transition), we trigger the automation. Workflow Event Listener In a high-scale real-world app, you would dispatch a Symfony Messenger message here to handle the AI call asynchronously. For this example, we will do it synchronously to keep the code focused on logic. Symfony Messenger namespace App\EventListener\Workflow; use App\Entity\LoanApplication; use App\Message\ScoreLoanApplication; use Symfony\Component\EventDispatcher\Attribute\AsEventListener; use Symfony\Component\Messenger\MessageBusInterface; use Symfony\Component\Workflow\Event\Event; readonly class LoanScoringListener { public function __construct( private MessageBusInterface $bus ) {} /** * Listen to the 'entered' event for the 'processing_score' place. * Event name format: workflow.[workflow_name].entered.[place_name] */ #[AsEventListener('workflow.loan_approval.entered.processing_score')] public function onProcessingScore(Event $event): void { $subject = $event->getSubject(); if (!$subject instanceof LoanApplication) { return; } // Trigger the AI Automation asynchronously $this->bus->dispatch(new ScoreLoanApplication($subject->getId())); } } namespace App\EventListener\Workflow; use App\Entity\LoanApplication; use App\Message\ScoreLoanApplication; use Symfony\Component\EventDispatcher\Attribute\AsEventListener; use Symfony\Component\Messenger\MessageBusInterface; use Symfony\Component\Workflow\Event\Event; readonly class LoanScoringListener { public function __construct( private MessageBusInterface $bus ) {} /** * Listen to the 'entered' event for the 'processing_score' place. * Event name format: workflow.[workflow_name].entered.[place_name] */ #[AsEventListener('workflow.loan_approval.entered.processing_score')] public function onProcessingScore(Event $event): void { $subject = $event->getSubject(); if (!$subject instanceof LoanApplication) { return; } // Trigger the AI Automation asynchronously $this->bus->dispatch(new ScoreLoanApplication($subject->getId())); } } The Controller Finally, let’s build a controller to simulate the submission. namespace App\Controller; use App\DTO\LoanApplicationInput; use App\Entity\LoanApplication; use Doctrine\ORM\EntityManagerInterface; use Symfony\Bundle\FrameworkBundle\Controller\AbstractController; use Symfony\Component\HttpFoundation\JsonResponse; use Symfony\Component\HttpKernel\Attribute\MapRequestPayload; use Symfony\Component\Routing\Attribute\Route; use Symfony\Component\Workflow\WorkflowInterface; #[Route('/api/loan')] class LoanController extends AbstractController { #[Route('/submit', methods: ['POST'])] public function submit( #[MapRequestPayload] LoanApplicationInput $data, WorkflowInterface $loanApprovalStateMachine, EntityManagerInterface $em ): JsonResponse { // 1. Create Entity from validated DTO $loan = new LoanApplication( $data->name, $data->income, $data->amount, $data->debt ); $em->persist($loan); $em->flush(); // Save as draft first // 2. Apply 'submit' transition // This moves state to 'processing_score' // Which triggers our Listener -> which dispatches a message if ($loanApprovalStateMachine->can($loan, 'submit')) { $loanApprovalStateMachine->apply($loan, 'submit'); $em->flush(); } return $this->json([ 'id' => $loan->getId(), 'status' => $loan->getStatus(), 'message' => 'Loan application submitted and is being processed.' ]); } } namespace App\Controller; use App\DTO\LoanApplicationInput; use App\Entity\LoanApplication; use Doctrine\ORM\EntityManagerInterface; use Symfony\Bundle\FrameworkBundle\Controller\AbstractController; use Symfony\Component\HttpFoundation\JsonResponse; use Symfony\Component\HttpKernel\Attribute\MapRequestPayload; use Symfony\Component\Routing\Attribute\Route; use Symfony\Component\Workflow\WorkflowInterface; #[Route('/api/loan')] class LoanController extends AbstractController { #[Route('/submit', methods: ['POST'])] public function submit( #[MapRequestPayload] LoanApplicationInput $data, WorkflowInterface $loanApprovalStateMachine, EntityManagerInterface $em ): JsonResponse { // 1. Create Entity from validated DTO $loan = new LoanApplication( $data->name, $data->income, $data->amount, $data->debt ); $em->persist($loan); $em->flush(); // Save as draft first // 2. Apply 'submit' transition // This moves state to 'processing_score' // Which triggers our Listener -> which dispatches a message if ($loanApprovalStateMachine->can($loan, 'submit')) { $loanApprovalStateMachine->apply($loan, 'submit'); $em->flush(); } return $this->json([ 'id' => $loan->getId(), 'status' => $loan->getStatus(), 'message' => 'Loan application submitted and is being processed.' ]); } } Verification Configure API Key: Ensure OPENAI_API_KEY is set in .env.local. Start Server: symfony server:start. Send Request: Use curl or Postman. Configure API Key: Ensure OPENAI_API_KEY is set in .env.local. Configure API Key: OPENAI_API_KEY .env.local Start Server: symfony server:start. Start Server: Send Request: Use curl or Postman. Send Request: Request (High Risk): Request (High Risk): curl -X POST https://127.0.0.1:8000/api/loan/submit \ -H "Content-Type: application/json" \ -d '{"name": "Risk Taker", "income": 30000, "amount": 50000, "debt": 2000}' curl -X POST https://127.0.0.1:8000/api/loan/submit \ -H "Content-Type: application/json" \ -d '{"name": "Risk Taker", "income": 30000, "amount": 50000, "debt": 2000}' Expected Response: Expected Response: { "id": 1, "status": "rejected", "risk_score": 15, "ai_reasoning": "The applicant has a Debt-to-Income ratio exceeding 80%..." } { "id": 1, "status": "rejected", "risk_score": 15, "ai_reasoning": "The applicant has a Debt-to-Income ratio exceeding 80%..." } Request (Low Risk): Request (Low Risk): curl -X POST https://127.0.0.1:8000/api/loan/submit \ -H "Content-Type: application/json" \ -d '{"name": "Safe Saver", "income": 120000, "amount": 10000, "debt": 500}' curl -X POST https://127.0.0.1:8000/api/loan/submit \ -H "Content-Type: application/json" \ -d '{"name": "Safe Saver", "income": 120000, "amount": 10000, "debt": 500}' Expected Response: Expected Response: { "id": 2, "status": "approved", "risk_score": 92, "ai_reasoning": "The applicant demonstrates excellent financial health with a DTI below 10%..." } { "id": 2, "status": "approved", "risk_score": 92, "ai_reasoning": "The applicant demonstrates excellent financial health with a DTI below 10%..." } Conclusion We have successfully integrated Generative AI into a deterministic business process. This pattern leverages the best of both worlds: Generative AI Symfony Workflow: Provides the reliability, audit trails and strict state management required for banking. Symfony AI: Provides the nuanced decision-making capability that previously required human intervention. Symfony Workflow: Provides the reliability, audit trails and strict state management required for banking. Symfony Workflow: Symfony AI: Provides the nuanced decision-making capability that previously required human intervention. Symfony AI: This architecture scales. You can introduce new agents for fraud detection, document analysis (using OCR tools in symfony/ai-bundle), or regulatory compliance checks, all orchestrated within the same transparent workflow system. OCR tools symfony/ai-bundle Source Code: You can find the full implementation and follow the project’s progress on GitHub: [https://github.com/mattleads/AIBankApproval] Source Code: https://github.com/mattleads/AIBankApproval https://github.com/mattleads/AIBankApproval Let’s Connect! Let’s Connect! If you found this helpful or have questions about the implementation, I’d love to hear from you. Let’s stay in touch and keep the conversation going across these platforms: LinkedIn: [https://www.linkedin.com/in/matthew-mochalkin/] X (Twitter): [https://x.com/MattLeads] Telegram: [https://t.me/MattLeads] GitHub: [https://github.com/mattleads] LinkedIn: [https://www.linkedin.com/in/matthew-mochalkin/] https://www.linkedin.com/in/matthew-mochalkin/ https://www.linkedin.com/in/matthew-mochalkin/ X (Twitter): [https://x.com/MattLeads] https://x.com/MattLeads https://x.com/MattLeads Telegram: [https://t.me/MattLeads] https://t.me/MattLeads https://t.me/MattLeads GitHub: [https://github.com/mattleads] https://github.com/mattleads https://github.com/mattleads