Multi-product support
Manage multiple types of credit products, including consumer, direct, auto, leasing, revolving, and card-based credit, all within one unified platform.
Consumer Credit
We enable leading financial institutions to launch, manage and grow retail lending activities across all channels with agility and reliability using our Consumer Credit Platform.
A complete, scalable, and connected consumer lending platform
Our Consumer Credit Platform is a comprehensive, modular solution that enables financial institutions to manage the end to end loan lifecycle — from origination and scoring to accounting, authorisation, and customer servicing — with agility and confidence.
Designed to accelerate digital transformation, the platform seamlessly integrates card issuing and authorisation to support both card-based and revolving credit products. It connects effortlessly with brokers, retailers, and digital channels, enabling instant loan applications at the point of sale, via mobile, or through contact centres.
Built for resilience, scalability, and growth, our Consumer Credit Platform combines robust operational performance with a suite of value-added services such as mobile solutions, conversational messaging, contact centre operations, digital identity and contract management, risk analysis, and strong customer authentication.
With over 30 years of experience in Spain, our platform supports the consumer lending business of leading Spanish banks, helping them innovate, streamline operations, and deliver.quality customer experiences.
Consumer Credit Platform Benefits:
Complete Loan Lifecycle Coverage and Reliable Operations
- End-to-end coverage of the consumer credit lifecycle
Complete management of the entire loan process — from loan application to contract management and soft collection — within a single, integrated Consumer Credit Platform.
Flexible loan design module
Easily create tailored credit products and define dealer-specific commercial conditions, enabling greater flexibility and faster adaptation to market needs.
Operational reliability and resilience
Benefit from a robust infrastructure, 24/7 supervision, and trusted service operations ensuring continuous reliability and business resilience.
Main Features of the Consumer Credit Platform
Broker and retailer portals
Simplify operations with dedicated portals for brokers and retailers, enabling loan application submission, tracking, and settlement in real time.
Integration with core systems
Connect with credit bureaus, scoring, and accounting systems to ensure consistent and reliable data flow across all lending processes.
Multi-entity capability
Support multiple organizations within a single platform instance, ensuring efficient management across different business entities.
Card issuance and processing
Enable card issuance, processing, and authorisation for both loan and revolving credit products, providing flexibility and convenience for customers.