Case Studies
Banking
Unsecured Retail Lending
Ján Fratrič
IT Architect
Michal Okresa
IT Architect & DevOps Engineer
Challenge:
- The bank needed to replace its legacy loan system.
- As regulatory requirements, product complexity, and loan volumes continued to grow, manual credit assessments took several days, and dependency on the external vendor slowed innovation.
- The bank required an internal platform capable of supporting a new unsecured loan product, enabling multiple sales channels, and serving as a foundation for future lending products.
Solution:
- We first delivered a new workflow and decisioning system built on unified data, extensive system integrations, and reusable business rules.
- The platform was then extended to support a new unsecured loan product and all sales channels.
- System stability was maintained through regular escalation processes, practical issue resolution, and rigorous change management, while ensuring the bank retained full control over its processes and risk rules.
Results:
80%+ of applications approved automatically in a single session
Reusable platform for future products
Strong internal capabilities established
Clear governance established
More Case Studies
Banking
Core Banking Loan System Support
Stable SLA-based support
Scalable team
Preserved know-how
Transparent collaboration
Readiness for growth and modernization
Education, science and research
Smart City Intelligent Parking
Student project transformed into a real-world solution
Improved parking efficiency
Enabled digital payments (SMS and card)
User-friendly mobile application delivered
Successful industry-university collaboration
Banking
Testing as a Service (TaaS)
Faster release cycles
Broader device and browser coverage
Reduced production risk
Predictable costs
Scalable delivery model
Energy
Market Management System Maintenance
Preserved operation of the original 20-year-old system
Scalable maintenance model
SLA targets consistently met
Critical know-how preserved
Smooth transition between system generations
Education, science and research
Modular Hybrid IoT Platform
Data reproducibility
Cost efficiency
Robust architecture
Flexible integration of additional sensors
Integration for research and academic teams
Banking
Modern Solution for Scoring and Mobile Revolving Loans
Credit decisions made in minutes instead of hours
More accurate scoring
Increased customer satisfaction
Ability to extend to additional products
Solution for both European and Asian markets
Banking
Enterprise Integration Strategy
Accelerated delivery of new services
Improved performance, higher reliability
Standardized ways of working across the bank
Prepared for technological changes
Fewer incidents and outages
Banking
Credit Risk Information System
Reduction of manual work
System shared with sister banks
Foundation for credit monitoring across the entire organization