Digital Lending

Unleash the Power of Digital Credit. Limitless Credit Solutions.
Built for a Boundary-less World

Ranked #1 in Digital Lending for delivering innovative solutions & measurable results

Intellect Digital Lending (IDL) is a cutting-edge digital credit management system designed to meet the evolving needs of credit seekers and financial institutions. Empowering FIs to offer both commoditized and specialized credit products across Retail, Corporate, SME, and Agri segments, IDL ensures a seamless, efficient approach to the digital credit landscape.

With the ‘Always On, Always Aware’ concept, IDL enables real-time, informed credit decisions, providing banks with a 360-degree view of customer portfolios. The DIY model allows banks to create products on-the-fly, ensuring flexibility. The fully automated, robust architecture drives enhanced operational efficiency, reducing costs. IDL integrates Credit Origination, Loan Servicing, Debt Management, and Collateral & Limits Management, with each component also available as standalone products, supporting digital credit transformation at every stage.

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3X Growth in Origination Volume

20% Reduction in Past-due and Written-off Loans

3X Growth in Origination Volume

Transforming Credit Management

Accelerated Credit
Origination

Achieve 3x growth in origination volume,
enabling faster customer acquisition

Seamless API onboarding
& documentation

Comprehensive Credit
Lifecycle Management

Manage everything from credit origination
to servicing, collections, and delinquency

Gain a 360-degree view of borrower exposure, ensuring better credit decisions

Built on Future-Ready
Architecture

Proven capability to handle 10,000+ TPS with real-time event streaming

Cloud-ready platform supporting on-premises, public, and hybrid deployments

Empowered Risk
Mitigation

Intelligent underwriting powered by AI ensures faster and more accurate decisions

Real-time margin tracking and multi-dimensional exposure views minimize credit risks

Preferred Digital Lending solution for top banks globally

Revolutionizing Lending Operations

End-to-End Credit Lifecycle Management

Hyper-Personalized Lending Journeys

Intelligent Risk Management

Faster Time-to-Market

Advanced Debt Management Capabilities

Digital Lending – Overall Architecture

Diverse loan products

Comprehensive loan lifecycle management

Integration of functional capabilities

Why choose Digital Lending?

Nahtloses Onboarding-Erlebnis

Omni-channel origination with customer initiated/ RM assisted journeys
API-based origination enabling collaboration with fintechs
Digital data aggregation through structured and unstructured data sources
Zero touch documentation enabled by digital signatures

Accelerate Growth with Scalability

Proven to handle 10 million+ accounts and process thousands of transactions per second
Cloud-native platform ensures seamless scalability across geographies and business segments

Future-Ready Architecture

Built on MACH principles (Microservices, API-first, Cloud-native, Headless) for unmatched flexibility
Real-time data streaming and embedded AI enable dynamic decision-making and operational efficiency

Comprehensive Credit Ecosystem

Integrate seamlessly with fintechs, credit bureaus, and third-party systems via 1,200+ APIs
Modular design allows independent deployment of components, ensuring progressive modernization

Kreditrisiken minimieren

Zentralisierte Echtzeit-Überwachung über verschiedene Geschäftsbereiche hinweg
Mehrdimensionale Expositionsansicht
Einzelansicht des Kreditnehmers über mehrere Ebenen hinweg
Real-time margin tracking

Sammlungen maximieren

Real-time loan performance analysis
Personalized follow up
Intuitive collection score for segmentation
Customer-centric strategies and streamlined collection processes

Was unsere Kunden sagen

Taner Ayhan

CEO

As VakifBank, we have always been committed to providing the best services and solutions to our customers, and we believe that iGCB’s products will enable us to achieve our vision of becoming a leading digital bank in Europe. iGCB’s Digital Core and Lending platform offers us the flexibility, scalability and innovation that we need to meet the evolving needs and expectations of our customers, while also optimising our operational efficiency and compliance. We are excited and look forward to working with iGCB to create a seamless and superior banking experience for our customers.

Muaz Termaz

SVP Leiter, Forderungseinzug, The Saudi National Bank (SNB)

Die bemerkenswerte Leistung, unser Projekt in nur vier Monaten abzuschließen, wurde durch die kollektive Anstrengung und das Fachwissen unserer qualifizierten Teammitglieder ermöglicht, angeführt von Intellect

Anup Purohit

Hauptinformationsbeauftragter, Yes Bank

Die einzigartige Commercial Loan Origination Plattform ermöglicht es der YES BANK, Produkte und Dienstleistungen im Bereich der kommerziellen Kreditvergabe mit vielseitigen Integrationsmöglichkeiten über offene APIs zu erweitern.

Umwandlung von
Herausforderungen in
Erfolgsgeschichten

Asien-Pazifik eMACH.ai DEP

Fallstudie: Intellect fördert das aggressive Wachstum der YES Bank, einer führenden Privatbank in Indien

50% reduction in loan processing time
100% digital onboarding for MSME customers
Powered on-the-go approvals, slashing approval times by 30% for preferred business lines

Global Digital Lending

Fallstudie: Bank implementiert Intellect Collaterals and Limits Management System in Asien-Pazifik und Europa

Preisgekrönte Innovationen

Alle Produkte

Intellect auf Platz 3 in der IBSi-Verkaufsrangliste 2024 für globale Führungspositionen - geografische Verteilung

Alle Produkte

Intellect auf Platz 2 der regionalen Marktführer in Nordamerika in der IBSi Sales League Table 2024

Digital Lending

Platz 2 im Bereich Islamic - Retail Lending in der IBSi Sales League Table 2024

Digital Lending

Platz 1 im Privatkreditgeschäft in der IBSi Sales League Table 2024

Digital Lending

Platz 1 im Bereich Retail Lending in der IBS Annual Sales League Table 2022

Alle Produkte

Platz 1 für die Produktbreite in der IBS Annual Sales League Table 2022

Alle Produkte

Regional Leader (ASEAN) in IBS Annual Sales League Table 2022

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Innovieren.

FAQs

How does Digital Lending empower financial institutions?

Digital Lending provides a fully automated, all-in-one lending platform. It integrates origination, servicing, and debt management, enabling FIs to offer seamless, real-time, and efficient credit services

What is unique about 'Always On, Always Aware' concept?

This concept ensures banks deliver real-time, digital-first solutions. It empowers banks to make informed credit decisions, enabling a 360-degree credit portfolio view for customers

How does Lending simplify exposure and collateral management?

Intellect’s CLMS provides real-time exposure and collateral monitoring with centralized asset tracking, ensuring a single source of truth for secured and unsecured credit exposures

What types of credit products does Lending support?

Lending supports a range of credit products, including retail, corporate, SME, and agricultural loans, with flexibility for customization to meet diverse business needs.

How does Lending reduce operational costs?

Lending robust architecture automates workflows, minimizes manual interventions, and ensures efficient processes, resulting in significantly lower operational costs.

Digital Lending

Ranked #1 in Digital Lending for delivering innovative solutions & measurable results