Optimizing the entire lending process with a centralized, modular system
Client Overview
A prominent retail bank operating across Europe aimed to modernize its loan application and management process in response to evolving customer expectations and operational needs.
Known for trust and reliability in consumer banking, the institution recognized that its lending workflows required modernization to keep pace with a digital-first world and increasing demand for faster, more transparent loan services.
Challenges Faced
The existing lending process was fragmented and manual in many areas, causing delays and limiting scalability.
From loan application through approval, disbursement, and ongoing management, workflows lacked integration with core banking systems and risk assessment tools.
The bank needed a solution that would streamline operations, reduce manual effort, and improve decision-making – all while maintaining compliance and delivering a seamless experience for customers and internal teams.
eLando’s Solution
As the selected technology partner, we developed a centralized loan application and management platform composed of four modules that cover the full lending lifecycle.
Designed for modularity and seamless integration, the platform connects with the bank’s core systems via secure APIs and automates key steps such as application intake, credit risk evaluation, approval workflows, disbursement processing, and ongoing loan monitoring.
The system features real-time notifications, role-based access, and flexible configuration to adapt quickly to changing regulatory or operational requirements.
Results & Impact
The platform delivered significant improvements in operational efficiency and customer experience.
Manual interventions dropped considerably, decision cycles shortened, and transparency across loan stages increased – all while maintaining regulatory compliance. Notable achievements:
48% reduction in loan processing time, enabling scalable lending without bottlenecks
37% increase in customer satisfaction, driven by faster approvals and clearer communication
Conclusion
This project illustrates how a focused, modular approach to lending can transform traditional banking operations.
By prioritizing integration and automation, the bank met evolving customer expectations and built a flexible foundation for future innovation in loan services.
It stands as an example of how financial institutions can improve speed and transparency in lending without compromising control or compliance.
Key Technologies
Integration with Oracle FlexCube v12 APIs, Automated compliance and blacklist verification, Secure authentication and data privacy features, Workflow-driven onboarding engine with real-time notifications, Scalable architecture supporting remote operations
