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
2x
credit applications
2 profiles
legal / individual
0
manual scoring
Overview on the project
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.
Confidential client
Banking
Loans 60% faster and SME lending up 46.5%, with scoring fully automated.
Confidential client
Banking
Technology stack
React
Next.js
Tailwind CSS
Ebs.io
Modules & Integration
User Portal and Application
Dual Onboarding
Individuals and businesses each get a tailored onboarding flow.
eKYC (MPass / MSign)
Identity is verified through national eID at intake.
Smart Credit Intake
Users select a loan type, complete a smart form, and upload documents.
User Portal and Application
Dual Onboarding
Individuals and businesses each get a tailored onboarding flow.
eKYC (MPass / MSign)
Identity is verified through national eID at intake.
Smart Credit Intake
Users select a loan type, complete a smart form, and upload documents.
Olga Petrașcu
Commercial Business Partner
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