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
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 manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:
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Flexible product definition
The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:
Read more
Flexible product definition
The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:
Read more
Flexible product definition
The digital Loan Origination System manages commercial lending across micro, SME, and large corporate segments, covering a wide range of products:
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 automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.
Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.
The engine runs in real time via APIs or in batch for periodic reviews.
Decision Engine
The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.
Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.
The engine runs in real time via APIs or in batch for periodic reviews.
Decision Engine
The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.
Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.
The engine runs in real time via APIs or in batch for periodic reviews.
Decision Engine
The integrated Decision Engine automates credit decisioning end to end—prescreening and eligibility, scoring and rating, limit and exposure checks, pricing, and more. It supports segment- and product-specific strategies aligned to your policies.
Authorized bank users can design, test, and deploy decision logic without coding, using visual editors for rules, scorecards, and decision flows. Built-in simulation, champion-challenger testing, version control, and audit trails ensure governance and continuous optimization.
The engine runs in real time via APIs or in batch for periodic reviews.
Financial Statement Analyzer
Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.
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Financial Statement Analyzer
Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.
Read more
Financial Statement Analyzer
Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.
Read more
Financial Statement Analyzer
Integrated into the Loan Origination System, it provides seamless experience and enables faster, better-informed credit decisions.
Read more
Transparent, seamless customer journey
Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.
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Transparent, seamless customer journey
Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.
Read more
Transparent, seamless customer journey
Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.
Read more
Transparent, seamless customer journey
Effective, transparent communication is key to successful partnerships. The Customer Portal delivers a modern, self‑service experience for onboarding, applications, and ongoing monitoring - reducing back‑and‑forth and accelerating time to yes.
Read more
Collateral management
Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.
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Collateral management
Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.
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Collateral management
Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.
Read more
Collateral management
Streamline the capture, linking, and maintenance of collateral across loans and customer groups. Guided workflows and integrations make data entry fast, accurate, and auditable.
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Limit management
Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.
Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.
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Limit management
Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.
Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.
Read more
Limit management
Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.
Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.
Read more
Limit management
Model and monitor complex limit structures for Groups of Connected Customers (GCC) and individual entities.
Exposure aggregation with real-time validations calculates utilization and headroom at every level to support confident credit decisions.
Read more
Covenant Management
Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.
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Covenant Management
Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.
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Covenant Management
Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance risk.
Read more
Covenant Management
Define, schedule, and monitor financial and non‑financial covenants with automated calculations, reminders, and evidence collection - reducing manual effort and compliance 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 is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.
Embracing ESG Principles
The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.
Embracing ESG Principles
The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.
Embracing ESG Principles
The system is ready to capture ESG-related attributes and classifications - such as energy performance, heating source, and physical-risk indicators - and incorporate them into workflows, eligibility rules, ESG scoring models, decisioning, and pricing adjustments. You can also collect ESG questionnaires and tag exposures for reporting.
Configuration over customization
Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.
Read more
Configuration over customization
Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.
Read more
Configuration over customization
Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.
Read more
Configuration over customization
Start fast with a preconfigured setup - workflows, screens, and rules ready to go. During implementation, we tailor the solution to your products, policies, and processes. After go‑live, authorized bank users can continue to adjust and extend it via low‑code tools. This gives you flexibility, lowers change costs, and lets you fine‑tune the system over time without heavy custom development. An integrated AI assistant helps users design and analyze business rules and decision tables—speeding up configuration and improving quality.
Read more
Business Configuration
The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:
Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog
Read more
Business Configuration
The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:
Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog
Read more
Business Configuration
The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:
Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog
Read more
Business Configuration
The system centralizes business parameters and calculations in configurable catalogs with validation, versioning, and audit trails. Standard catalogs include:
Product catalog
Limit catalog
Collateral catalog
Covenant catalog
Document type catalog
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.