Advanced Digital
Retail Lending
Platform
Empowers Banks and Financial Institutions to Launch and Scale Retail Lending Products Faster, Safer, and Smarter
Solution Highlights
BaaS-Ready Architecture
Connect with partner banks via BaaS and optimize liquidity flows
Advanced Risk Engine
AI-driven risk engine for instant credit decisions and fraud control
Multi-Dimensional &
Granular Accounting
Granular accounting for accurate reconciliation & flexible reporting
Rapid Product Launch
Launch products fast with customizable flows & template-based setup
End-to-End Digital Lending
End-to-end digital lending with automated or hybrid workflows
Architecture
Life-Cycle Management
Product Design & Launch
· Multi-product configuration (personal, SME, co-lending)
· Customer-centric modeling (credit tags, qualification)
Loan Origination & Risk Control
· Real-time KYC/AML, biometric verification, OCR
· Anti-fraud checks, blacklist screening, risk scoring
Disbursement & Repayment
· 24/7 disbursement via core banking/payment APIs
· Configurable repayment plans (interest, penalty, partial)
Post-Loan & Exit Management
· Overdue classification, early warning, AI collection
· Settlement, write-off, litigation handling
Competitive Edge vs. Alternatives
BaaS-Ready
Architecture
Risk Control
Accounting
Accuracy
Rapid Product
Launch
Workflow
Flexibility
KTECH Retail
Lending Solution
Seamless partner integration with multi-tenant architecture
Automated decisioning,
real-time fraud detection
Multi-dimensional sub-ledger for precise reconciliation and compliance reporting
Template-driven configuration for rapid multi-product rollout
Fully configurable end-to-end digital lending (online, offline, hybrid)
Other Loan
Platform
Limited partner
support
Basic scoring,
limited fraud tools
Basic ledger,
limited granularity
Limited customization, rigid workflows
Limited flexibility, generic flows
Use Cases
Personal
Consumption Loan
Offer quick, flexible personal loans for everyday needs with seamless digital onboarding and instant approval for a smooth experience
SME
Business Loan
Empower SMEs with tailored financing solutions, fast approvals, and transparent terms to support growth and operational stability
Co-Lending with Leading Platforms
Partner with top platforms for co-lending, combining resources to expand reach, share risk, and deliver competitive credit offerings
Why KTECH?
Proven in Competitive Markets
Risk models and workflows tested in high-volume environments
Faster Time-to-Market
Launch new products in weeks with our template-driven product factory
Lower Operational Costs
Automation reduces manual processing by up to 70%
Future-Ready
Built for open banking and embedded finance ecosystems
Please fill in your information
-
Designated pre-sale consultant
-
Professional solution design
-
Free business consulting
Request a Demo
Seeing is believing! Schedule a live demo with one of our product specialists at your convenience. We can learn your requirements and help your team understand our system more efficiently.
