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Unsecured Retail Loan Origination System

A highly scalable, preconfigured solution for banks and financial institutions to automate unsecured retail lending.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

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The ApPello Unsecured Retail Loan Origination System is a potent revenue machine, enabling automated processing of applications up to disbursement. It allows swift responses to fluctuations in the retail market landscape with its easily adaptable product catalogue and workflows. Customers are systematically led through each phase of the process to provide a great experience and avoid customer churn.

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Discover Product Details

Main Benefits

Comprehensive functionality for Unsecured Loan Origination

Preconfigured data model, workflows, validations - 60-80% implementation ready

Easy configuration with the low-code platform

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Built in AI support for Propensity to buy, Credit Scoring etc.

More sales and better customer experience via omnichannel capabilities

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Cost cutting and enhanced efficiency with optimised workflows

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Reduced TTM and TTY with automations and integrations

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Reduced operational & credit risk with monitoring and reporting tools

Workflow

Product features

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Faster process for increased sales

Create market leading, streamlined loan application and approval processes, with semi- or fully automated risk decision making!

Faster process for increased sales

Create market leading, streamlined loan application and approval processes, with semi- or fully automated risk decision making!

Faster process for increased sales

Create market leading, streamlined loan application and approval processes, with semi- or fully automated risk decision making!

Faster process for increased sales

Create market leading, streamlined loan application and approval processes, with semi- or fully automated risk decision making!

Flexible scorecard definition

The ApPello Retail Loan Origination System offers outstanding flexibility in managing clients, loan products, workflows, and business rules. It delivers a clear overview for sales teams and managers, risk and back-office staff, utilizing advanced visualization tools for ease of use.

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Decision Engine

The integrated Decision Engine enhances automation across the system, including pre-screening, scoring, rating 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

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.

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Flowchart diagram illustrating a process with connected nodes, set against a grid background, representing workflow and automation concepts.

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.

Configuration over customization

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Business Configuration

The system not only handles business calculations but also offers the flexibility to manage business parameters. With a comprehensive set of standard parameter rulesets, it ensures easy auditing and validation. The key catalogues that are regularly utilized encompass: