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    Digital Lending Solutions for Banks and Financial Institutions

    Our Digital Lending Solution empowers banks and financial institutions to swiftly release new lending products, enhance time-to-value, and efficiently manage the end-to-end lending process:

    • 50% decrease in total cost of ownership
    • X2 the business volume i.e. number of cards issued and loans booked
    • 50% increase in productivity in terms of operational efficiency

     

    Digital Lending solution

    Unlock the Advantages of Digital Lending Systems

    Loan Application Efficiency

    Better user experience to improve the speed and accuracy of loan applications

    Maximizing Resources

    Process larger number of loan applications with existing resources

    Error-Free Evaluation

    Eliminate sources of human error for faster, better-quality evaluation decisions

    Compliance-Driven Processes

    Predictable, repeatable, auditable processes to support compliance

    Interested to learn more? Talk to Our Experts now!

    Schedule a comprehensive consultation with us to explore your specific lending product requirements.

    Transform Your Loan Products with Complete Confidence

    Release your Commercial Lending, Retail Lending, SMB Lending Products within weeks, not months or years.

    Digital Loan Application

    A well-designed Customer Journey using mobile apps for an excellent lending experience. From onboarding, servicing, and disbursement to collections, you rest assured that your process is automated with optimal efficiency and personalized experience

    Loan Origination System

    Enable centralized credit evaluation and approval for retail and corporate customers automatically in their loan origination cycle, spanning from application, scoring, approval, customer acceptance, and documentation, to final loan booking.

    Loan Moratorium

     Loan Moratorium serves as a resilient option in response to difficulties and challenges faced by borrowers in loan installment services, while also helping to control and manage non-performing loans for lenders, ensuring a balanced and resilient finance

    Customer Lending

    Cater to both Consumer and Wholesale lending needs, offering a diverse range of financial products to meet the unique requirements of individuals and businesses alike from Mortgages, Revolving Lines of Credit, Term Loans, Secured and Unsecured Loans, Installment Loans, and Syndicated Loans.

    Delinquency Management

    Oversee accounts throughout the debt recovery process, issuing timely reminders for overdue payments.

    Restructure debt by rescheduling loan terms, adjusting interest rates, or modifying payment schedules to effectively manage troubled debts.

    Collaterals/Limits Management

    Integrate with and accept collateral data from all banking systems, including core banking, trade finance, and loan origination for real-time, management-level insight into risk exposure.

    Monitor limits, automate alerts, and set up approval processes.

    Maximize the potential of the cutting-edge Bureau Lending System

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    API Driven Integration with Other Systems

    • Employing robust and standardized APIs to seamlessly connect with third-party systems.
    • Ensuring compatibility with a variety of external platforms, such as credit bureaus and financial databases.
    • Facilitating data exchange in real-time, promoting efficiency and reducing manual intervention.
    • Providing secure authentication and authorization mechanisms for secure integration.

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    Consolidated View of Customer Relationships

    • Complete, Consistent, and Consolidated View of Customer Relationships via CRM system
    • Ensuring data consistency across all touchpoints to avoid discrepancies in customer information.
    • Consolidating data from various sources to provide a comprehensive overview of customer relationships.
    • Enabling easy access to historical interactions and transactions for a better understanding of customer behavior.

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    Highly Configurable and Automated

    • Offering a user-friendly interface that allows easy configuration 
    • Incorporating automation tools to reduce manual effort and errors, with flexible workflow design for adapting to changing requirements.
    • Enabling customization without extensive coding, making the system adaptable to diverse business processes.
    • Flexible charging schemes based on growth volumes.

    End-to-end Support for Loan Origination & Booking Process

    Web-based application that enables centralized credit evaluation

    Loan Origination

    • Pre-approved offers
    • Loan calculator

    Loan Application

    • Data Entry / Verification
    • Borrower / Co-Borrower
    • Credit Requests
    • Financials
    • Collaterals
    • Documents

    Underwriting / Decision Making

    • Credit Scoring
    • Pricing
    • Re-payment schedule simulation
    • Credit Decision

    Documentation

    • Offer Notification
    • Customer Acceptance
    • Credit Admin Check-list

    Loan Booking

    • Straight Through Processing
    • Automatic Decisioning
    • Multi levels approvals

    Disbursement

    • Loan activation
    • Collaterals registrations

    Get in touch to streamline your Digital Lending process!

    Design the Lending process that onboards your customers faster with more secured
    • Low-code, User-friendly system
    • Cloud Ready
    • Business-Driven Insights
    • Personalized Customer Experience

    Get to know more about our Digital Lending Solutions

    * By clicking on the submit entry button and submitting this form you will be indicating your consent to receiving our service consultation and marketing materials. 

     

    In the news

    We're a trusted Technology partner for BFSI services and solutions

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    With 14+ years of experience in successfully helping businesses in the BFSI industry excel across the world and 3 ODCs operated in the Asia Pacific, KMS Solutions can leverage our global expertise and professional perspectives to be all companies’ trusted IT service providers. 

    We have 180+ resources supporting multiple clients in the BFSI sector. Moreover, we also helped 250+ enterprises in developing software solutions across various sectors, from banking, insurance, to financial services and many more such as ACB, Discovery Market, Axi, etc., to develop financial software and build engineering teams. 

    KMS Solutions also won the Master Entrepreneur Award at APEA 2022, ranked #9 in Clutch’s Top 100 Fastest-Growing B2B Providers, and gained Top 10 ITC companies in Vietnam 10 years in a row.