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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.


In today’s rapidly evolving landscape, automation has permeated nearly every sector, and the banking industry is no exception. Given the multitude of services offered by banks, ensuring swift and top-notch service quality has become a paramount concern.

The majority of banks have already embraced web and mobile applications to facilitate financial transactions. However, we identified a crucial aspect where we aimed to bring about significant enhancements — loan processing.


The project was divided into two phases and our main objective included:

Stage 1:System development (web and server part) to apply for credit in the mall at the bank counter.
Utilizing the user-friendly application, customers can easily generate a loan or installment plan in real-time, while engaging with a bank employee. The employee efficiently verifies the provided information by scanning a QR code from the customer’s phone, promptly sending it to the decision-making system (DSS) for approval.

Stage 2:Development of a loan processing system in bank offices, scaling the system to the entire territory of the customer’s country.
To apply for a loan an employee had to pay data into various internal systems. The Azati team was responsible to develop a unified system in which a bank employee in one system will issue a loan without going into many third-party applications.


Tasks were managed in Jira in 2-week sprints with a Scrum board. The analytics were checked by the team leader and the business owner. The quality of code was checked by the development team.

  • At the first stage, Azati have implemented the following Business functions:
    1. Login, registration (new client, login by phone number, login by passport number, login by account number, entry by card number), confirmation via SMS, face ID and touch ID.
    2. Interaction between the application and the web application through a QR code in mobile application.
    3. Integration with client data and history, decision making system and other third-party services.
    4. Calculator and installment agreement.
    5. Formation of PDF with customer data, digital signature of the contract.
    6. Sharing a contract in a social network
  • At the second stage:
    1. A preliminary calculator in which you could choose appropriate credit and terms.
    2. Filling out a short questionnaire for the DMS (decision making system), creation of PDF application and preliminary contract forms with attachment of scanned signed statements, etc.
    3. During the verification process, if the DMS did not contain sufficient data, customers were redirected to extended questionnaire. This questionnaire included additional questions regarding income, expenses, family composition, and etc.
    4. Once the necessary data was deemed sufficient and approved by the DMS for the loan application, the system proceeded with generating contracts in PDF format.
    5. Scaling the system to all bank branches in the customer’s country.


A total of 37 microservices were developed for the purpose of building a microservices platform from the ground up and facilitating the operation of a new suite of business applications, encompassing both mobile and browser-based applications. Some of the notable microservices included:

  • microservices for processing and managing user data (mobile phone registration, passport photo processing, etc.);
  • technical microservices for interacting with the document repository (+ saving file access tokens, uploading dossiers, working with template documents, etc.);
  • microservice for organization and accounting of affiliate programs;
  • microservices for interacting with payment terminals for receiving and processing requests for payments and returns from the point of sale;
  • microservice for document generation;
  • microservice for signing documents using SMS code.


At the result we receive a mobile application (Android + iOS) + front-end part, which allows to issue a credit card at the bank counter.



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