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Loan Origination System (LOS)

End‑to‑end digital origination for retail & SME: application intake, eKYC/AML, credit scoring, decision engine, document management & e‑sign, disbursement hand‑off, and audit.

FasterApproval in minutes
SmarterRisk‑based decisions
CompliantFull audit & KYC

Digital Application

Web/mobile forms, document upload, consent capture, and application tracking.

eKYC & Anti‑Fraud

OCR/face match/liveness, ID checks, PEP/sanctions, device fingerprint.

Data & Bank Statements

PDF/CSV parsing, open banking hooks, income & cash‑flow extraction.

Credit Scoring

Traditional/ML models, scorecards, and champion/challenger setup.

Decision Engine

Policy rules, cut‑offs, pricing, overrides with maker‑checker.

Field Survey

Geo‑tagged visits, photos, notes, and recommendations via mobile.

Bureau & External Checks

CRIF/equifax hooks, blacklists, references (where available).

Products & Pricing

Limits, tenor, rates/fees, grace & insurance handling.

Docs & e‑Sign

Agreements, addendums, e‑signature & digital stamp.

Disbursement

Account/VA target, batch disbursement, customer notification.

Hand‑off to LMS

Repayment schedule and status pushed to loan servicing.

Reporting & Analytics

Funnel, TAT, approval rate, score distribution, vintage.

Technology & Integration

eKYC/AML providers Core Banking & LMS Payment Gateway/VA PSrE e‑Signature Open Banking APIs API‑First & SSO

What You Get

Free customization (forms, scoring, workflow) Trial access until go‑live Annual maintenance incl. change requests On‑prem or cloud Audit trail & compliance
Ready to customize
Accelerate safe, data‑driven lending.
Share sample forms, score variables, and policy rules — we’ll prepare a working trial.
Request Free Customization