IT systems for lenders and banks
We build platforms covering the entire lending lifecycle – from application and credit assessment to portfolio monitoring. Our low-code stack adapts quickly to evolving regulations.
What does the lending system include?
A comprehensive platform for managing lending and banking processes – from first customer touch to portfolio monitoring.
Loan application module
- Online forms (web, mobile)
- Registry data verification
- Automated scoring
- Integrations with credit bureaus
- Real-time validation
- Document attachments
Creditworthiness assessment
- Decision automation
- Behavioral scoring
- Credit history analysis
- Income verification
- Affordability analysis
- Identity verification (AML/KYC)
Portfolio management
- Repayment monitoring
- Collections
- Restructurings
- Reports & statistics
- Alerts & notifications
- Portfolio risk analysis
Customer portal
- Online applications
- Loan history
- Repayment schedules
- Early repayments
- Loan calculators
- Advisor communication
Loan process step by step
Application
Online form
Verification
Data and document check
Credit scoring
Creditworthiness assessment
Decision
Approval
Agreement
Signing
Disbursement
Funds released
Monitoring
Loan portfolio
The entire process is modeled in BPMN (Camunda). This makes it transparent, easy to modify, and well documented. Each stage can vary depending on the loan type, amount, or customer profile.
Who is it for?
Banks
Credit and lending departments
Lending institutions
Lending companies and non-bank lenders
Credit unions
SKOK credit unions and cooperative banks
Credit brokers
Agencies and financial advisors
DLoan system – rollout results
DLoan is our reference implementation of a lending system on the DLowCode platform, showcasing real-world capabilities for financial institutions.
Challenge
The client needed a comprehensive consumer-lending system supporting multiple product types, integrations with banking systems, and full regulatory compliance.
Solution
We used the DLowCode platform to build DLoan, covering all modules described above. The process was modeled in BPMN, enabling easy tailoring to client specifics and regulatory needs.
Results
- ✓Implementation time reduced by 70%
- ✓IT costs reduced by 50%
- ✓Applications handled increased by 400%
- ✓Full regulatory compliance
Interested in a lending system?
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