A digital credit platform that approves loans 60% faster for a bank

The bank had no digital credit system. Applications were handled manually, with no digital entry, CRM, or departmental visibility. The internal scoring engine wasn't connected, so response times were long, and decisions were inconsistent.

60%

faster loans

46.5%

SME loan growth

credit applications

2 profiles

legal / individual

manual scoring

Overview on the project

Duration:

8 months

Company size:

51–100

Industry:

Banking (CRM + Credit Flow)

Country:

Eastern Europe

Challenge

The bank had no online credit system. Handling of applications by individuals and businesses was done manually with no digital entry point, CRM or visibility across departments. The internal scoring engine was not connected to the process, so response times were long and decisions inconsistent, especially for complex business cases.

Solution

A platform with separate but integrated flows for individuals and companies, each with its own onboarding, documents, and risk path. It connects the bank's own scoring engine for automated decisions, adds a CRM to manage leads and assign relationship managers, and syncs with core banking. Admin tools and reporting dashboards give the bank a scalable, policy-aligned credit service.