Bank on Us for High-Volume Consumer Credit
Launch and manage personalized lending products, from unsecured personal loans to point-of-sale financing, with automated risk assessment and compliance at the core.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
The Consumer Credit Origination Platform
Our modular engine simplifies the entire consumer lending lifecycle. Leverage instant decisioning capabilities, customizable risk policies, and automated document generation to enhance customer experience and dramatically reduce operational overhead.
Instant Decisioning API
Integrate external credit bureaus and internal data for instant, automated credit scoring and underwriting decisions, reducing application abandonment rates.
Customizable Risk Policies
Define and manage complex risk rules, pricing matrices, and approval workflows in a low-code environment, allowing for rapid A/B testing of lending policies.
Seamless Digital Origination
Enable friction-free, fully digital application processes across all consumer channels (web, mobile, third-party partners) with embedded e-signature support.
Built-in Regulatory Compliance and Data Security
Managing consumer credit requires stringent data security and continuous adherence to changing lending regulations. Our platform incorporates built-in, automated controls for data privacy, anti-money laundering (AML), and fraud detection to minimize risk.
End-to-End Data Encryption
Utilizes AES-256 bit encryption for all consumer data, from application forms to credit reports, ensuring maximum privacy and compliance with data protection laws.
Automated AML & KYC Screening
Integrates real-time, comprehensive screening against global sanctions lists and performs automated KYC verification during the digital application process.
Non-Repudiation Audit Trails
Every decision, transaction, and application is logged with time-stamped, tamper-proof audit trails, ensuring regulatory transparency and easy reporting during compliance checks.
Intelligent Servicing and Portfolio Management
Go beyond simple disbursement with real-time portfolio monitoring, automated communications, and granular control over loan adjustments. Gain intelligence to manage risk and optimize loan performance over time.
Real-Time Portfolio Health
Monitor the entire consumer lending book instantly. Track KPIs like delinquency rates, prepayment speeds, and risk exposure with customizable dashboards.
Automated Lifecycle Events
Automate communications and actions for key events, including payment reminders, late fee application, rate adjustments, and loan maturity notices.
Flexible Loan Adjustment
Handle mid-term loan modifications—such as restructures, payment holidays, or principal increases—quickly and compliantly through the Core Banking Engine.