Work · Belgian retail bank
A lending platform that cut decision time from days to minutes
Average decision time fell from five days to under four hours. The committee sees every file in one view. Audit preparation went from three weeks to one afternoon.
The problem
A retail bank processed business loan applications through four systems and a shared mailbox. A decision took five working days on average, and the credit committee could not see where a file was.
What we delivered
A single lending platform covering intake, scoring, committee review and contracting, integrated with the core banking system and the national credit register. Role-based workflows, full audit trail, regulator-ready reporting.
The outcome
Average decision time fell from five days to under four hours. The committee sees every file in one view. Audit preparation went from three weeks to one afternoon.
The engagement
Dedicated team of eight for fourteen months, now in managed delivery with quarterly releases.
Technology
Web platform with a service layer over the core banking API; event-driven integration; hosted in the bank’s private cloud.
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