Lending Growth Doesn’t Start at Disbursal —
It Starts at Origination.

Streamline, Automate, and Scale Your LOS Journey for Speed, Compliance, and Conversion.

Why Legacy LOS Journeys Stall Lending Growth

In digital-first lending, speed and clarity at origination are critical. A slow or fragmented process puts customer trust at risk.

0 %

of customers abandon digital loan applications due to excessive steps or unclear status

0 %

of BFSI institutions say their existing LOS cannot support real-time credit decisioning

What a High-Performance LOS Journey Must Enable

Modern LOS journeys must be modular, intelligent, compliant, and configurable by product and customer type — without compromising experience.

Omnichannel Application Intake

Accept applications via mobile app, web portal, branch, call center, and DSA connector — with data sync

Smart Application Forms

Dynamic forms that adapt fields, steps, and documents based on product (PL, HL, LAP, auto), profile, and geography

Real-Time Document Upload & OCR

Auto-extract data from PAN, Aadhaar, payslips, GST returns, bank statements — linked to field mapping

API-Driven KYC & Bureau Checks

Integrated validation with CKYC, NSDL, Experian, CRIF, CIBIL, and Equifax — triggered inline

Rule-Based Credit Engine

Modular rules for eligibility, credit score, DTI, FOIR, LTV, and more — per loan product

Parallel Workflow Allocation

Route documents to credit ops, underwriting, legal, and verification teams simultaneously — no dead time

Customer & Partner Tracking Dashboards

Application progress visibility for customers, DSAs, and channel partners in real time

Audit Trail & Regulatory Compliance

Built-in logs, form captures, and activity trails for RBI, NBFC, and internal policy audits

In lending, the journey isn’t a process — it’s your competitive moat.

We build LOS journeys that power everything — from mass-market digital loans to complex underwriting-heavy products.

We don’t just design — we create experience engines built to perform.

Prebuilt Product Templates

Plug-and-play flows for PL, HL, BL, GL, LAP, vehicle loans, credit cards, and more

Branch, Agent & DSA Mode Support

Role-based journeys for assisted onboarding, multi-tier application handling, and lead pass-through

LOS + LMS Integration Ready

Handoff to loan management system (LMS), CBS, or core banking for real-time disbursal triggers

Rule Engine + Machine Learning Hooks

Combine static eligibility criteria with adaptive ML for risk scoring and cross-sell recommendations

Scalable Microservices Architecture

Handle thousands of applications per day across geographies with failover and load balancing

Smart Workflow Designer

Configure, A/B test, and optimize journeys in a no-code interface — across loan types and user roles

INT. helps you close loans faster — with lower dropout, higher accuracy, and regulatory confidence.

case studies

Proof That Speaks

Featured

49%

reduction in average TAT from application to approval

33%

increase in application completions via mobile and DSA-led channels

Get a Free LOS Journey Efficiency Audit

Let’s assess your current origination workflows and identify improvements for speed, scalability, and compliance.

You’ll receive:

  • Journey bottleneck and step-wise drop-off analysis
  • KYC, credit check, and compliance flow audit
  • Channel-specific conversion and experience insights
  • Integration, automation, and scalability maturity score
WHO WE ARE

At INT., excellence and innovation drive everything we do.

We go beyond maintaining operations—we empower businesses with data, insights, and best practices to stay ahead in an ever-evolving digital landscape.

Years of Excellence
0 +
Offices Worldwide
0
Solution Experts
0 +
Worldwide Happy Clients
0 +

Recognised by

and many more+
Contact Us
contact us

Let’s connect!

Edit Template
MENU
CONTACT US

Let’s connect!

Loading form…

Almost there!

Download the report

    Privacy Policy.

    CONTACT US

    Let’s connect!

      Privacy Policy.