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Online Solution to Transform Loan Processing in Banking Sector

Azati assisted a customer by devising a system that revolutionized loan processing, eliminating the need for excessive paperwork and greatly enhancing the customer experience.

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70%

reduction in manual data entry across bank offices

60%

faster loan approval process

65%

time saved per loan application

All Technologies Used

Java
Java
Spring Boot
Spring Boot
Rest
Rest
Spring
Spring
Camunda
Camunda
Apache Kafka
Apache Kafka
RabbitMQ
RabbitMQ
JAXB
JAXB
PostgreSql
PostgreSql
React
React
Digital Signatures
Digital Signatures
SSL/TLS
SSL/TLS
Docker Swarm
Docker Swarm
Kubernetes
Kubernetes
OpenShift
OpenShift
TeamCity
TeamCity
Confluence
Confluence
GitLab
GitLab
Jenkins
Jenkins
Jira
Jira

Motivation

The client wanted to fully automate the loan issuance process, eliminate paperwork, reduce manual errors, and provide customers with a fast, intuitive way to apply for loans both in malls and bank offices. The goal was to improve customer satisfaction, streamline internal workflows, and ensure scalability and consistency across all branches nationwide.

Main Challenges

Challenge 01
Real-Time Loan Applications in Malls

Customers faced long waiting times at mall counters and manual verification delays. Azati developed a mobile application integrated with the Decision Making System (DMS), using QR codes, SMS confirmations, and digital signatures to enable instant loan approval and reduce customer waiting time.

#1
Challenge 02
Eliminating Manual Processes in Bank Offices

Bank employees had to navigate multiple systems and manually process documents, which was error-prone and slow. Azati created a unified platform that consolidated all internal systems, automated data processing, PDF generation, digital signing, and interaction with third-party services, reducing errors and manual workload.

#2
Challenge 03
Scaling Across the Entire Country

Deploying the new system to all bank branches without losing stability and performance was challenging. Azati implemented a microservices architecture with 37 services supporting both mobile and web applications, ensuring scalable, reliable, and maintainable deployment across all locations.

#3

Our Approach

Agile Development
Managed tasks in Jira with 2-week sprints, using Scrum methodology. Code and analytics were checked regularly by team leads and business owners.
Stage 1: Mall Loan Application
Developed a user-friendly mobile app for real-time loan applications at mall counters with features like registration, QR code scanning, SMS confirmation, digital signature, and social media sharing.
Stage 2: Unified Bank Office System
Built a unified system for bank employees integrating calculators, short and extended questionnaires, DMS interaction, PDF generation, and scaling across all branches.
Microservices Architecture
Implemented 37 microservices including user data processing, document generation, affiliate program management, and payment terminal integration.

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Solution

01

Real-Time Loan Application Mobile App

A customer-facing mobile application for Android and iOS that allows users to submit loan applications instantly at mall counters or remotely. The app integrates QR code scanning, SMS confirmation, face ID, and touch ID to ensure secure, fast, and convenient verification and approval. It also allows users to view loan status updates, access calculators, and digitally sign documents directly from their devices.
Key capabilities:
  • Real-time loan application submission
  • Secure customer verification via QR code or biometric authentication
  • SMS and email notifications for status updates
  • User-friendly interface for faster processing
02

Unified Loan Processing Platform

A backend platform consolidating multiple internal banking systems into a single interface for employees. It simplifies loan issuance by reducing the need to switch between applications, supports interaction with the Decision Making System (DMS), and provides automated workflows for document generation, approvals, and reporting. The system is scalable nationwide and ensures consistent, error-free processing across all branches.
Key capabilities:
  • Integration of multiple internal banking systems
  • Real-time interaction with Decision Making System (DMS)
  • PDF generation and digital contract signing
  • Scalable to all branches nationwide
03

Document Automation and Digital Signature

A module that automates the generation, signing, and storage of loan documents. Contracts, agreements, and attachments are generated in PDF format and can be digitally signed using SMS codes or in-app authentication. The system securely stores all signed documents, ensures compliance, and eliminates the need for paper-based processes, increasing speed and reducing errors.
Key capabilities:
  • Automatic PDF generation for contracts
  • Integration with digital signature systems
  • SMS-based document confirmation
  • Secure storage and retrieval of signed documents
04

Microservices Architecture

A modular microservices platform comprising 37 services, each responsible for a specific business function. This architecture enables efficient processing of user data, document management, affiliate program tracking, and integration with payment terminals. The microservices ensure system reliability, scalability, and easy maintenance while supporting both mobile and web clients.
Key capabilities:
  • Scalable and maintainable microservices design
  • Efficient processing of user and loan data
  • Integration with third-party payment and banking services
  • Support for mobile and web clients
05

Analytics and Reporting

A reporting and analytics module that gives managers insights into loan processing performance, operational efficiency, and customer engagement. It provides dashboards, periodic reports, and KPI tracking, allowing banks to optimize workflows, reduce bottlenecks, and make data-driven decisions.
Key capabilities:
  • Track loan processing speed and approval rates
  • Monitor error reduction and operational efficiency
  • Generate reports for selected periods
  • Identify bottlenecks and optimize workflows

Business Value

Reduced Manual Effort: Automation and system consolidation minimized repetitive tasks for employees, reducing errors and processing time.

Faster Loan Approvals: Real-time mobile application and DMS integration enabled quicker loan approvals for customers.

Scalable Nationwide Solution: Microservices architecture allowed deployment across all bank branches without loss of reliability.

Improved Customer Experience: Mobile-friendly processes and digital signatures provided a seamless, paperless application journey.

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