Modern Enterprise Lending Suite
Transforming lending practices for the digital age
The Finacle Digital Lending Suite is a cloud-native, multi-segment, multi-product solution that is reshaping the lending landscape for banks and Financial Institutions of all sizes. The comprehensive suite supports the entire loan lifecycle digitally to drive agility in lending, improve risk management, and deliver better operational efficiencies.
Finacle brings rich experience in digital lending transformation having delivered more than 480+ lending deployments in over 100 countries.
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Scale Digital Leadership with Finacle Digital Lending Suite
Analyst Recognition
Edgeverve Recognized as a Leader in in the Forrester Wave™ for Digital Banking Processing Platforms for Corporate Banking
Read this report to learn why EdgeVerve received the highest score in the current offering category
EdgeVerve brings APIs, integration, and application ecosystems to corporate banking. Reference customers report a high degree of satisfaction with the vendor’s delivery and support, available APIs, out-of-the-box security functions, and willingness to deliver in DevOps environments. EdgeVerve is a good shortlist candidate for banks that look for a well-designed modern architecture and that want to collaborate with a vendor using agile approaches.
Jost Hoppermann, Ex-VP and Principal Analyst, Forrester
[As mentioned in The Forrester Wave™: Digital Banking Processing Platforms For Corporate Banking, Q3 2022]
Our partnership with Infosys Finacle will enable us to seamlessly adapt to the dynamic and complex lending landscape, while serving our customers’ financial needs in a secure manner. We are confident that Finacle’s solutions delivered on the cloud will accelerate our transformation into a digital-first lender and help deliver a range of multi-accessible, flexible and innovative financial solutions.
Scott McWilliam | Ex – Chief Executive Officer, Resimac Group
Comprehensive, Componentized Suite
Flexibility to meet every banking need
- A suite of digital lending solutions, providing robust business functionality across all segments and channels
- Tailor your digital lending solutions to fit your bank’s business priorities. Enjoy the flexibility to decide when to deploy or upgrade a particular component
- The suite covers a comprehensive range of loan products and services including mortgages, auto loans, personal loans, business loans, equipment financing, securitization, syndication and more
The new Infosys Finacle Lending Module will allow us to provide the highest quality service to our corporate customers, whilst driving operational efficiency with a modern platform. We look forward to improving our risk management capabilities and simplifying and extending our business lines for our customers’ benefit.
Charles Cini | Ex – Head of Corporate Banking at Mediterranean Bank
Contemporary layered design
Componentization and micro-services
Event-driven
Declarative and RESTful APIs
Configurability, localization and extensibility
Cloud-native Solution
Continuous deployment
Robust security
Data and analytics
Advanced Architecture
Enabling seamless evolution in lending technology
- Drive cloud adoption across segments for speed to innovation and cost efficiencies
- Co-innovate lending propositions with external ecosystems through declarative and RESTful APIs
- Flexibly pace your modernization with composable design
Learn how by leveraging Finacle’s capabilities Emirates NBD has significantly reduced turnaround times, bolstered risk management capabilities, and enhanced overall operational efficiency.
Charles Cini | Ex – Head of Corporate Banking at Mediterranean Bank Referring to the Press release dated Sep 28, 2017
Simplified, Tailored and Risk Mitigated Transformations
Experience agile modernization
Whether it is a big bang switchover or progressive deployment, Finacle helps your bank transform lending at its own pace. The following tenets simplify transformation as well as minimize its risks:
- Finacle reference loan products for cutting complexity and time
- Phased transformation for maximizing lending business outcomes
- Implement new business model with reference bank models
Learn how FE Credit, using Finacle Digital Lending Solution suite, opened 3 million new loan accounts, and brought down processing time by 60% with automation.
Ms. Olga Botero Pelaez, Vice President of Information Technology, Bancolombia
Agility For Innovation and Growth
Redefining lending dynamics in the digital landscape
- Build tailored loan products and manage entire loan lifecycle digitally
- Enable marketplace lending and expand across new emerging digital platforms
- Leverage third party channels on par with the banks own channels
Our partnership with Infosys Finacle exemplifies our dedication to continuous improvement and our relentless pursuit of innovation. This is a significant milestone in RAKBANK’s innovation strategy, as we strive to deliver cutting-edge solutions and enhanced experiences to our valued customers…. With Infosys Finacle’s proven track record and our shared vision for customer-centricity, we are confident in our ability to drive sustainable growth and create lasting value for our customers, stakeholders, and communities we serve.
Peter Robert, Chief Operating Officer, RAKBANK
Enhance Customer Proposition
Elevating digital borrower engagement
- Product comparators, simulators, and multiple self-help tools such as loan calculators, rate comparators and other product illustrators
- Paperless origination with digital onboarding using document management and e-signatures
- Instant credit approvals with real time credit scoring, and counter offers
- Product personalisation with options to decide loan term, EMI holidays, top-up loans, expense trackers, EMI reminders and simulate pre-closure digitally
The implementation of ‘Moby’, Finacle’s Mobile Teller Solution as we call it, has been a significant step in our journey towards customer centric digitization and process optimization. ‘Moby’, in combination with our existing Finacle Omnichannel Hub has been a game changer in helping us provide the best banking experience in Africa.
Klaas Kruger | Chief Information Officer – Rest of Africa, Standard Bank Group
Drive Operational Excellence
Achieve operational efficiency and scale through automation and AI
- Leverage a host of automation enablers to help you transform with agile processes for higher operational efficiencies
- Centralize lending operations or create regional hubs with multi-entity capabilities
- Manage unforeseen business situations with flexible product configurations – extend moratoriums, defer asset classifications, reschedule payments and more
Learn how LINE BK has granted loans to over 300,000 customers with loan outstanding exceeding 8 billion THB and acquired over a million customers in just 2 months.
Klaas Kruger | Chief Information Officer – Rest of Africa, Standard Bank Group
Better risk management
Making lending safe and secure
- Centralized limits, collaterals and covenants management to manage exposures and contain risks effectively
- Embedded intelligence to manage credit assessments, monitor loan performance across loan lifecycle
- Unified 360-degree view of the customer relationships across multiple subsidiaries, group holdings and at sub-entity level for better risk management
Bank RAKYAT Indonesia disrupts the unsecured loan market with digital solution “With the presence of Pinang, Bank BRI Group is able to reach more volumes of customers in Indonesia at high speed (from application to disbursement in less than 10 minutes without a face to face meeting).Pinang is BRI’s radical innovation catering to the ultra-micro customers creating a seamless and economical on boarding process. The reimagined process provides a faster, cheaper and safer digital lending in Indonesia. With the persistent support of the Infosys management and the robust Infosys Finacle digital banking suite, BRI’s vision of accelerating Indonesia financial inclusion is one step closer.
Kaspar Situmorang, EVP Digital Center Of Excellence | Bank Rakyat Indonesia
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