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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 Retail Loan Origination Solution also contains strong monitoring features, to support tracking process efficiency and resource usage.

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Product Details

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

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


Appello Omnichannel

Improved sales effectiveness with omnichannel capabilities and an enhanced customer experience

Appello system config

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

Appello annuity engine

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

Appello face check

Enhanced customer experience with face recognition and

Appello analytics

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

Appello fast react

Prompt reaction to market needs

End-to-End support of
Retail Loan Origination

ApPello Retail Loan Origination System covers the lending process from the first interaction to disbursement through the whole lifecycle of the loan including cross-sell, prolongation, restructuring and termination. guides the user through the whole lifecycle of the collateral from the initial origination through (whichever is applicable) the registrationmonitoring, maintenance, indexation / depreciation calculation, revaluation, termination and workout processes.

It also covers the handling of related insurances. The solution allows customisation of screens for users and controls data quality and consistency, sending notifications or pop-up warnings.

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


  • Credential and contact information management
  • KYC processes


  • 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


  • PD, AML, Fraud, Credit Bureau, TAX database
  • AI, Machine learning
  • Credit limit calculation
  • Test evaluation


  • Risk assessment (policies, limits, triggers)
  • Fully automated decision making
  • 4 eyes principle
  • Overrule, escalation processes


  • Automated contracting (FaceID, E-signature)
  • Document checklist
  • E-document, contract generation


  • Pre-disbursement validation
  • Multiple disbursement option

Early warning and Monitoring

  • Utilisation monitoring
  • Pre- and soft collection support


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

Improved sales effectiveness
and customer satisfaction

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

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


Appello user friendly

Customer engagement tools
to increase sales volume

The ApPello Customer Portal of the Retail Loan Origination System provides a superior customer 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.

Appello functionality

Advanced front office options
and functionalities

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 Portal. Thanks to our omnichannel approach, client onboarding can be processed end-to-end online, via phone or in person.


Appello Decision Engine


The built-in Decision Engine can work for pre-screening, classical scoring, rating, limit calculation and any additional decision points. It can 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 differentiated 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. 

Appello documents

Documents &

The Document Template Module and Document Store Module are integrated into the LOS Solution. The Document Template Module handles any type of contracts which are generated automatically, with the help of MS Word templates.

Document management tools help to generate various documents based on templates and then auto-fill 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.


Appello features

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 built-in editor interfaces. Different workflows can be created using different workflow steps by bank users without the assistance of ApPello or an IT team. The precondition and completion criteria for all these workflows can also be easily parameterised. 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

Appello business configuration


Apart from business calculations the system’s business parameters can also be managed using Excel. The system provides Excel import functions 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

Digital Onboarding &
Lending Portal

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


Speeds up and automates decisions. It is a segment and product-independent solution that can handle business-related decisions of varying complexity within a centralised platform.