Unsecured Retail
Loan Origination

Unsecured Retail
Loan Origination System

Retail loans, which demand quick time-to-decisions and time-to-disbursements, can be handled easily in the ApPello Loan Origination System.

The solution has integrated customer front-end, with client-onboarding functionality.  The ApPello Loan Origination Solution also contains strong monitoring features, to support tracking  process efficiency and resource usage.

Product Details

Users are guided through the process steps and, thanks to the to the built-in workflow engine and connected Decision Engine, credit policies and business rules can be freely adjusted to the actual business requirements.

The ApPello Loan Origination System is an effective tool for quick reaction to retail market changes and for improve the time-to-decision, time-to-money KPIs. To reduce onboarding churn rates, clients can be guided through the process step-by-step. 


Improved sales effectiveness with omnichannel capabilities and advanced customer experience


Cost reduction with optimised processes, flexible toolset, changable rules, screens, dataset workflow

Shorten origination processes through the use of automation, document management and integrations

Advanced customer experience with face recognition and

Monitoring and reporting tools ensure process efficiency for lower operational and credit risk

Prompt reaction to market needs

End-to-End support of
Retail Loan Origination

ApPello Loan Origination System covers the lending process from the first interaction till disbursement. Furthermore the whole lifecycle of the credit including cross-sell, clip and top-up, insurance, waivers, prolongation, restructuring and termination

This solution unifies client onboarding, loan origination, credit workflow, decision processes, monitoring and any related loan administration.


  • Credential and contact information management


  • Online loan application and self-service portal
  • Personalised product offer
  • Omni / optichannel
  • Pre-screening


  • Best product offer
  • CRM – campaign management
  • Risk-based pricing
  • Cross-sell (multiple loan agreement)
  • Income validation (screen scrapping – PSD2)
  • Insurance and service selection 
  • Covenant management (subsidized loans)


  • PD, AML, Fraud, Credit bureau, TAX database
  • AI, Machine learning
  • Credit limit calculation
  • Test evaulation


  • Risk assesment (policies, limits, triggers)
  • Fully automatized decision
  • Decision monitoring
  • Overrule, escalation processes
  • Contra-offer (incl. upsale)


  • Automatized contracting (FaceID, E-signiture)
  • Document cheklist
  • E-document, contract generation


  • Pre-disbursement validation
  • Multiple disbursement option

Early warning and Monitoring

  • Marketing and utilisation monitoring
  • CCF
  • Pre- and soft collection support

After care

  • Up/Cross-sales opportunities
  • Auto prolongation
  • Restructuring and refinancing
  • Credit suspension and termination
  • Card management

Improved sales effectiveness
and customer satisfaction

The system ensures quick time-to-decision and time-to-money and provides flexibility in handling clients, loan products, workflows and business rules. Gives a a concise picture for the sales network, risk managers and back office, using unique visualisation capabilities to provide user convenience, even for the most complex loan-collateral structures and assists for evaluate any unique application cases. 

Business users can maintain and modify processes, able to add new steps or create totally new flows without programming.

Customer engagement tools
to increase sales volume

The ApPello Customer Portal provides superior consumer experience with its modern and easy-to-use functions. It helps you to attract new customers as well as retain existing clients, with reduced operation costs. New customers can use the Public Customer Portal to calculate the rates and repayment conditions available to them.

This includes initial estimation for the monthly instalment amount, and the total sum of money to be repaid, as well as the interest rate and APR. Clients can compare the different loan types and decide which ones they are interested in. Registered clients can follow their loan request until disbursement or engage in chat through the portal.

Advanced front office options
and functionalities

Nowadays process digitalisation is key for mass retail processes. Retail loan origination processes can be highly automated for basic and common cases. Features such as the self-service onboarding and loan handling can facilitate new client acquisition, describe and update terms and conditions, or communicate with clients by messages/video-chat. This can all be managed through the integrated ApPello Onboarding. Thanks to our omnichannel approach, client onboarding can happen via tablet or smartphone.


The Decision Engine is seamlessly integrated through its APIs to the Loan Origination System.

The engine can work for pre-screening, classical scoring, rating, limit calculation and any additional decision points. It is capable to handle an unlimited number of different decision logics, which can differ by customer segment (including sub-segments), product, product variant, etc. The models can be different by product or client sub-segments.

Business rules and decision logic with graphical visualisation can be built and customised by the Bank’s employees with relevant roles, even without deep IT knowledge. 

Documents &

The solution is integrated to a document management module for both generating and storing documents.

It handles any type of contracts. The contracts are generated automatically, it collects all relevant information to fill in every detail. Technically it is generated with the help of MS Word templates with macros.

Document management tools help to generate various documents based on templates and then auto-fills them with all relevant and available data in the system. This is a highly useful and time-saving tool in the loan origination process, used for preparing all of the paperwork needed in the process (loan proposals, contracts, notifications, statements, etc.). Digital signature supports the verification of contracts and agreements.

Built-in Excel spreadsheet
for efficient operations

ApPello provides unique feature of built-in excel component to help the work of the User, such as editing Excel forms in offline mode and create templates. If calculation logic is maintained in an Excel sheet, users doesn’t have to perform the calculations in an excel, and then fill the result in the system manually. With the help of integrated excel spreadsheets, calculation can be done in the system directly, therefore making it easier to calculate and maintain business calculations. Apart from business calculations the system’s business parameters can also be managed using excel.

over customization

ApPello Loan Origination System allows power users to flexibly manage and customize all lending related workflows for their full lifecycle. Any number of workflow types can be defined using the inbuilt editor interfaces. Different workflows can be created using different workflow steps by bank users without ApPello or IT team. The precondition and doneness criteria for all these workflows are also easily parameterizable. Depending on the actual parameters parallel tasks can be defined with the same or different assignees that can be performed in any given order.

Other Configuration opportunities:

  • Screen design
  • Dynamic fields
  • Additional business rules


Apart from business calculations the system’s business parameters can also be managed using excel. System provides Excel import functions (10+) to maintain standard parameter rulesets in excel that can be audited and verified.

Most frequently used catalogues are as below:

  • Product catalogue
  • Covenant catalogue
  • Document type catalogue
  • Workflow step catalogue


You might also be interested in our other lending solutions


helps financial institutes to attract, onboard and retain your customers in an ever-changing business environment while increasing operational efficiency.

Speed up and automate your decisions! It is a segment and product-independent solution that can handle various business-related decisions in a centralised platform, even the complex ones.

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