In 2025, Fabrici Management Consulting built on the original 2019 digital lending solution and implemented a new, more technologically advanced software architecture. The new platform expands digital lending capabilities, automates loan processes and products, and enables loans to be offered through additional distribution channels while maintaining consistent decision rules and effective risk management.
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.
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.