Digital Personal Loans
Digital Personal Loans make traditionally exclusive personal loans accessible, flexible, and fully digital. Using AI-driven risk assessment and a 360° view of customer behavior—covering transactions, savings, card usage, and wealth participation—the system pre-approves personalized offers with tailored limits, interest rates, and repayment terms.
Loans can be fully real-time where infrastructure allows, or supported by human-in-the-loop reviews and seamless document uploads in emerging markets. Delivered entirely within the mobile banking app, customers can accept, manage, and repay loans without visiting a branch, while banks unlock scalable revenue growth and operational efficiency.
Highlights
Adaptive workflows
Supports both real-time CIB checks and human-in-the-loop reviews for hybrid markets.
AI-powered assessment
Basel III 7C framework enhanced with alternative data and behavioral scoring.
Document management integration
Collects and validates extra proof digitally when needed—no branch visits required.
Personalized offers at scale
Loan terms, limits, and EMIs tailored for each customer’s profile and risk appetite.
Digitized branch workflows
Traditional manual lending processes are automated, mobile-first, and frictionless.