Building on the original digital lending solution from 2019, in 2025 we designed and implemented a new, modern software architecture for the bank’s digital lending processes. The objective was to separate business logic from the integration layer, harmonise decision rules and create a flexible platform capable of responding quickly to new business as well as regulatory requirements.
The new architecture makes it easier to introduce new loan types and financing variants and at the same time supports fully digital, paperless processing of loan applications in the digital distribution channel.
As part of the solution, loan processes have also been extended to additional distribution channels (e.g. the call centre), with decision engines and risk rules managed in a centralised way. The architecture thus provides a unified foundation for digital lending across the bank, reduces the complexity of existing integrations and improves the transparency and auditability of the end‑to‑end lending process.

As part of extending the branch solution, we designed and implemented an automated process for restructuring consumer loans that are past due. Based on predefined internal criteria and risk‑management rules, the system supports the design of new repayment terms and loan parameters for clients whose restructuring has been approved by the bank. Once the restructuring scenario is approved, the system automatically generates contract documentation with the new loan conditions, in line with the bank’s internal policies and regulatory requirements. This significantly reduces manual workload, shortens the time needed to prepare restructuring agreements, and creates a transparent, controlled framework for handling problematic loans for both the branch network and risk management.