Digital Smart Lending

The Digital Smart Lending application supports the management of personal loan applications through a B2C digital channel, available in a multi-device experience across desktop and mobile.

The solution guides customers throughout the entire journey, covering all stages of the process, including simulation, onboarding, credit assessment, document collection, and digital signing.‑device experience across desktop and mobile. The solution guides customers throughout the entire journey, covering all stages of the process, including simulation, onboarding, credit assessment, document collection, and digital signing.

The module ensures a high degree of flexibility through dedicated configuration tools that allow customisation of processing workflows, pricing structures, and the set of information required during the application process. A secure customer area, accessible via an accreditation mechanism, is also provided, enabling borrowers to view the details and status of their applications and to interact with back-office operators through built-in messaging functionalities.

For the bank’s back-office staff, the application offers a dedicated management portal used to configure products, pricing conditions, and insurance coverages, either through individual operational functions or via bulk configuration processes.

The system includes an integration layer with the bank’s back-office platforms, supporting the download of applications at the start of the credit process, the push-based reception of credit decision outcomes, and confirmation of loan disbursement. The solution is completed by technical integration hubs that facilitate connectivity with external components, both natively integrated and third-party systems to be connected.