Verschaffen Sie sich einen Wettbewerbsvorteil, indem Sie die Zeit bis zur Zusage („time-to-yes“) und die Zeit bis zur Auszahlung („time-to-money“) verkürzen! Beschleunigen und optimieren Sie Prozesse durch fortschrittliche Automatisierung und verbesserte Performance-Einblicke. Integrieren Sie ESG-Faktoren direkt in den Entscheidungsrahmen. Die KI-gestützten Erweiterungen vereinfachen die Konfiguration, beschleunigen Workflows und helfen, Fehlerquoten zu reduzieren.
Produktdetails entdecken
ApPello Corporate & SME Loan Origination bietet eine umfassende End-to-End-Lösung mit benutzerfreundlichen Funktionen, die speziell zur Optimierung der kommerziellen Kreditvergabe entwickelt wurden. Diese leistungsstarke Plattform verwaltet mühelos die Komplexität von Produkten und unterschiedlichen Unternehmensstrukturen.
Produktdetails entdecken
ApPello Corporate & SME Loan Origination bietet eine umfassende End-to-End-Lösung mit benutzerfreundlichen Funktionen, die speziell zur Optimierung der kommerziellen Kreditvergabe entwickelt wurden. Diese leistungsstarke Plattform verwaltet mühelos die Komplexität von Produkten und unterschiedlichen Unternehmensstrukturen.
Produktdetails entdecken
ApPello Corporate & SME Loan Origination bietet eine umfassende End-to-End-Lösung mit benutzerfreundlichen Funktionen, die speziell zur Optimierung der kommerziellen Kreditvergabe entwickelt wurden. Diese leistungsstarke Plattform verwaltet mühelos die Komplexität von Produkten und unterschiedlichen Unternehmensstrukturen.
Produktdetails entdecken
ApPello Corporate & SME Loan Origination bietet eine umfassende End-to-End-Lösung mit benutzerfreundlichen Funktionen, die speziell zur Optimierung der kommerziellen Kreditvergabe entwickelt wurden. Diese leistungsstarke Plattform verwaltet mühelos die Komplexität von Produkten und unterschiedlichen Unternehmensstrukturen.
Hauptvorteile
Hauptvorteile
Umfassende Funktionalität für Corporate-, KMU- und Mikrosegmente
Vorgefertigtes Datenmodell, Workflows, Validierungen – 60–80 % implementierungsbereit
Einfache Konfiguration durch die Low-Code-Plattform
Reduzierte TTM und TTY durch Automatisierung, Integrationen und Performance-Management
Kostenreduktion und Effizienzsteigerung durch optimierte Workflows
Automatisierte Risikobewertung mit der Decision Engine
ESG-Datenerfassung und -bewertung
Integrierte KI-Unterstützung für Kaufwahrscheinlichkeiten, Kredit-Scoring, Frühwarnsysteme und mehr
Workflow
Workflow
Product Features
Product Features
Flexible product definition
The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:
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Flexible product definition
The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:
Read more
Flexible product definition
The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:
Read more
Flexible product definition
The Digital Loan Origination System efficiently manages commercial lending across micro, SME, and large corporate segments, covering various loan types:
Read more
Process-focused UI / UX
The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.
Process-focused UI / UX
The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.
Process-focused UI / UX
The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.
Process-focused UI / UX
The Loan Origination System combines both front- and back-office functionalities in an integrated manner. With its specifically designed UI / UX, it effectively draws user attention to the most important and urgent matters. The system’s development has been centered around reducing TTY and TTM, prioritizing efficiency and speed throughout the entire lending journey.
Decision Engine
The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.
Decision Engine
The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.
Decision Engine
The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.
Decision Engine
The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating, limit calculation and more. It handles segment- and product-specific decision logics. The system provides user-friendly graphical representations for calculations and decision logics, allowing bank staff to build and personalize these without deep IT knowledge.
Financial Statement Analyzer
The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.
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Financial Statement Analyzer
The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.
Read more
Financial Statement Analyzer
The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.
Read more
Financial Statement Analyzer
The solution streamlines credit risk management by collecting and analyzing financial statement data. It accommodates IFRS, local GAAPs, and other standards. Integrated into the Loan Origination System, it provides seamless experience and supports informed credit decisions.
Read more
Transparent and smooth customer journey
Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.
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Transparent and smooth customer journey
Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.
Read more
Transparent and smooth customer journey
Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.
Read more
Transparent and smooth customer journey
Effective and transparent communication with the customer is the key in successful partner relations. The system’s Customer Portal module transforms customer experience through a modern, user-friendly self-service solution.
Read more
Managing Collaterals
Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.
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Managing Collaterals
Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.
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Managing Collaterals
Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.
Read more
Managing Collaterals
Managing collateral and loan obligations becomes simpler with streamlined processes, enabling seamless data entry and integration.
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Limit management
The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.
Limit management
The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.
Limit management
The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.
Limit management
The solution supports limit management by recording complex limit structures for customer groups, individual customers and limit types. It provides dedicated limit workflows for approving and maintaining limits. Limits are displayed and new loan applications are checked against available limits at all levels.
Covenant Management
Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.
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Covenant Management
Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.
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Covenant Management
Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.
Read more
Covenant Management
Adding and monitoring of financial and non-financial covenants made easy and automated to reduce manual effort and risk.
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Documents & Contracts
Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.
Documents & Contracts
Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.
Documents & Contracts
Create templates and produce customer-specific documents for loan proposals, contracts, statements and notifications easily! Use MS Word-based templates and automate document generation, save time and reduce manual work. Add digital signature functionality to speed up processes and produce instant, legally binding agreements with customers.
AI-Powered Document Intelligence
Loan applications often involve a variety of supporting documents, income statements, financial reports, tax certificates, business plans, or even scanned ID cards. These documents typically come in as PDFs, scans, or image files, and going through them manually takes time, increases the risk of errors, and drains resources. Our AI-based Document Intelligence module addresses this by automatically extracting data from these unstructured sources, including image-based formats, and converting them into clean, structured information that can be used right away within the lending process.
Groups of connected customers
In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.
Groups of connected customers
In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.
Groups of connected customers
In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.
Groups of connected customers
In the corporate segment, it is a common practice to process applications by first scoring the customer group of and then assessing the existing and proposed exposure levels for the group. To manage these complexities, the system provides feature to handle Groups of Connected Customers (GCC) together.
Embracing ESG Principles
The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.
Embracing ESG Principles
The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.
Embracing ESG Principles
The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.
Embracing ESG Principles
The System keeps track of ESG-related information such as physical risk, energy performance, heating source type and more. With these data, Banks are able to incorporate ESG-related information in their lending strategy and better understand the physical risks in financing. Introducing preventative measures to mitigate risks is also made possible.
Configuration over customization
Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.
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Configuration over customization
Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.
Read more
Configuration over customization
Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.
Read more
Configuration over customization
Preconfigured workflows, screens and rules provided out-of-the-box need to be smoothed out to exactly match the Bank's needs. ApPello's digital low-code platform empowers also trained IT Business Analysts and power users of the Bank to go that last mile, and this helps also when reshaping or additional functionality is needed.
Read more
Business Configuration
The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:
Read more
Business Configuration
The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:
Read more
Business Configuration
The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:
Read more
Business Configuration
The system not only manages business calculations but also provides flexibility in handling business parameters. It includes a comprehensive set of standard parameter rulesets for easy auditing and validation, with key catalogs regularly used for:
Read more
ApPello Case Studies
ApPello Case Studies
Corporate LOS – Case Study
Viktor Nyitrai, our Head of Business Analysis summarized his thoughts and feelings after a long, very intensive, and interesting Corporate Loan Origination Project.
Viktor Nyitrai
Head of Business Analysts, ApPello
Corporate LOS – Case Study
Viktor Nyitrai, our Head of Business Analysis summarized his thoughts and feelings after a long, very intensive, and interesting Corporate Loan Origination Project.
Viktor Nyitrai
Head of Business Analysts, ApPello
Corporate LOS – Case Study
Viktor Nyitrai, our Head of Business Analysis summarized his thoughts and feelings after a long, very intensive, and interesting Corporate Loan Origination Project.
Viktor Nyitrai
Head of Business Analysts, ApPello
The Imperative of Corporate LOS
Insights from Béla Vér, CEO at ApPello
Béla Vér
CEO at ApPello
The Imperative of Corporate LOS
Insights from Béla Vér, CEO at ApPello
Béla Vér
CEO at ApPello
The Imperative of Corporate LOS
Insights from Béla Vér, CEO at ApPello
Béla Vér
CEO at ApPello
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.
Are you interested?
Want to learn more about how our platform can modernize your bank?
Just schedule a call with one of our experts. We're here to help.