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Low Code

ApPello’s CDP (Cloud Development Platform) is a cutting-edge, low-code platform designed for time-and cost-efficient development of applications. At its core, CDP offers a streamlined development experience, enabling users to create robust applications with minimal manual coding.


Why we created the platform?

ApPello’s Innovative digital low code platform has been the basis of ApPello’s Digital Lending Solutions, serving many incumbent banks and fintechs, now it is available for you to build future-proof solutions for your needs.

The most outstanding advantages of the platform are flexibility and simple configurability, which allows the changes in the banking needs to be incorporated into the application without the need for code changes, simply with the appropriately authorized user’s parameterization.
This high degree of flexibility not only allows rapid adaptation to changes, but also leads to cost efficiency and supplier independence.

Application design

Appello DataDesign






Appello Rules Decision Engine






What does it bring for you?

Customer Experience

Beat competition

Grow digitally and beat your competitors by using a modern event-driven platform with omnichannel capabilities built on a microservices architecture and extraordinary integration capabilities with proven track in many banks.

Appello Efficiency

Have the freedom to create

Unique problems require unique solutions. Live out your creativity and develop the exact solution your organization needs. Scale and adjust it on the go, if the business environment changes.

Appello Reduced cost

Enjoy independence

When using the Platform on your own, you have control of all development and usage steps and will not face ineffective vendor lock. Moreover, knowledge about sensitive business flows or data remains in-house.

Appello Cost reduction

Keep costs low

Bulid scalable and secure solutions that are easy to integrate to your legacy. Utilize the capabilities of a ready-made platform, take advantage of the new features, upgrades and support.


Basis of the Platform


architecture style


Quick start
and run


Cloud ready


Built in


Mobile first


Front to back


API first


User Experience

Platform Description

event handling


The essence of an IT system lies in possessing a comprehensible and adaptable data model, so one of the most important building blocks of CDP is its intuitive data modeler component. Users can easily design and customize their datasets (business entities), which serve as the backbone of their applications.
This data modeler empowers users to define the structure of their data, including its attributes, relationships, and constraints.
Once the data model is established and loaded into the platform, users can leverage CDP’s comprehensive set of tools to enhance their applications further with workflows, operations, pages, and various other configuration elements organized around the business entities.

product catalogue


Business entities are the foundational elements of the system. They are created based on the data model, utilizing the relationships and fields defined in the Data modeler. All further configuration activities (such as defining workflows, operations, screens, business rules, etc.) are carried out from the perspective of these business entities.
For example, in the case of a loan origination system, the loan application processes are represented as a ‘Workflow’ business entity within the platform. Around this, various workflows, sub-workflows can be built covering the end-to-end process (such as application, contracting). The pages and forms necessary to fill in for approving the loan application and the related business rule sets can be defined from the perspective of this entity.



CDP allows users to define various operations on the data, including calculations, validations, and business logic. This capability enables users to implement complex functionalities within their applications without writing extensive code.

They are the manually or automatically executable actions that implement the actual business logic within the system. For example, saving data on a filled-out form, running a calculation, or initiating integration with another system.

Operation rules
The content of the operation is also configurable. For example, specifying which page should be loaded to provide additional data if required for the execution of the operation.

In the example below an operation to start a credit card application workflow is configured. By editing the operation content we are able to define which event (BPMN) should drive the flow, what initial states and data should be set on the workflow and which roles should get the first task of the workflow.

Additionally, hardcoded functions and integrations can be referenced if the desired business logic is implemented by another system or component or requires complex logic beyond the platform’s configuration capabilities to be integrated into the system.



CDP empowers users to effortlessly create dynamic user interfaces through a drag-and-drop interface builder. This feature allows the seamless design of pages for displaying data, all while incorporating rules that dictate the behavior and appearance of the user interface elements.
The platform toolset’s main advantages are:

  • Easily customizable, adjustable screens.
  • Automatic validations, flexible error handling.
  • Any changes will be activated and can be utilized immediately.

Editing Pages
Authorized users are free to modify screens, i.e., the pages. A page can contain multiple components that are made up of containers. The first step is to define the components, after which any number and type of containers can be added to the components, and then the data fields can be added to the containers.
Adding a new field to the page: This screen shows the CDP design mode. On the left side of the screen are the fields of the selected business entity and its associated entities. Fields can be moved to the field containers using the Drag & Drop method, from which components are built. The dragged items can be deleted or modified at any time. Once saved, the changes will be activated at once and no additional settings, processes are required.

Complex screens
The structure of the screens is determined by the page layout. The editor provided by ApPello can also be used to create custom layouts that determine how many screen components (forms, lists, graphs, etc.) are displayed in what kind of layout and size. This allows users to work with a variety of screens where they can be configured with no programming to display a simple form with the highlighted data of an element on a list of items as well as graphs can be depicted on the same page (see figure below). The components can refer to or update each other. So, considerably less screen switching is required, which can improve the user experience.



Business logic are covered by configurable rulesets of the platform:

  • Calculations which determine the value of a field based on a formula, values from other fields or from an external data source;
  • Decisions which determine, depending on the circumstances, the direction in which a business process should proceed;
  • Validations that decide the validity of data;
  • User interface logic, that determines which screen or data has to be display based on evaluating certain conditions.

The purpose of such configurable rules is to separate frequently changing business logic from the source code, in a format that is comprehendible and editable for the Power users.

Decision Engine
For more complex business logic and decisions the usage of the decision engine is recommended.



Events drive the business process and orchestrate usage of other elements configured in the platform: screens, operations, business rules, internal or external integration calls, etc.

What are events?
Event is ‘something’ – typically a process / workflow – that occurs on a specific business entity.
For example, an application or a contracting process is started on a business entity that collects the data of a loan application. In this case:

  • the event type is the application or contracting as a process type
  • and the event is the initiated process.

Another example: certain transactions can be initiated on a disbursed loan, such as prepayment or rescheduling. The execution of rescheduling can also be a process. In this case:

  • the event type is rescheduling as a transaction type
  • and a specific rescheduling is the event.

BPMN Camunda workflow
One of the options for defining the details of an event is to create a standard BPMN that drives the flow.

CDP supports BPMN Camunda workflow, enabling users to automate and streamline their business processes within the application. This feature facilitates the efficient execution of tasks, approvals, and transitions, improving overall operational efficiency.

Editing workflows
The workflow setup can be created and modified by an in-built visual editor.

For building the workflow, the platform enables using user tasks, service tasks, call activities, and gateways among the elements available according to the BPMN standard.

All the standard BPMN elements are enhanced with specific CDP properties that defines what should happen in the particular node of the BPMN.

For each user task the configurator can set up the roles / users who should work with the task. Also the operation(s) can be selected that should run when closing the user task.

The workflow editor transparently displays what tasks and roles belong to the particular event type / workflow

In the design of the platform, we placed great emphasis on ensuring fast and transparent navigation between different configuration elements. For example, from a workflow perspective, where a user task is configured to be associated with a specific task closing operation, we can easily navigate to the operation and view its details.



The decision engine is product-independent calculation tool, capable of efficiently managing business-related calculations of diverse complexities. Main features:

  • Data model: maintenance of flexible, extendable data model that can be accessed via lightweight APIs from external systems.
  • Calculations trees and flows: underlying calculations performed at each node of the decision tree.
  • Scenario analysis and simulation: it allows users to simulate different scenarios and assess their potential impacts on outcomes. This capability helps in understanding the potential consequences of different decisions under various conditions.
  • Testing: the decision engine offers real-time testing capabilities, enabling users to set up the proper model and calculations based on test runs in the engine on test data set created on their own.

Read more info about ApPello’s Decision Engine

Start the journey with us!

We train you what the Platform is capable of and how you can make the most of it,
then it is your turn to drive digital transformation, come up with new ideas and realize them rapidly
while keeping IT and operational cost low.

Beat your competition and enjoy freedom when modernizing legacy systems and applications.