Digital Smart Lending

The Digital Smart Lending application supports the management of personal loan applications through a digital B2C channel available across multiple devices (desktop and mobile). The solution guides customers through every stage of the process, from the initial simulation to completion, including onboarding, creditworthiness assessment, document collection and digital signature.  

The module ensures a high degree of flexibility through dedicated tools for configuring operational flows, pricing lists and the information requested from customers during the process. A reserved area is also available to financed customers following an authentication process, where they can view the status and details of their applications and interact with back-office operators through dedicated messaging features.  

For the bank’s back-office operators, the application provides a management portal for configuring products, financial terms and insurance coverage, both through individual operational functions and bulk upload methods.  

The system also includes an integration layer with the bank’s back-office systems, used to download applications when the credit process starts, receive approval outcomes via push notifications and notify successful disbursement. The solution is completed by specific technical hubs for interfacing with external components, whether already natively integrated or third-party components to be integrated.