Lending Intelligence
LOS is Impacto Digifin's AI-Process that Automates the entire loan lifecycle from application to disbursal with real-time credit decisioning and policy-driven workflows
Personal Loan
2 Days
5 min
Home Loan
60 Days
1 day
Business Loan
7 Days
4 Hrs
Loan Pipeline — Live
24/7
Active Applications
Live
Approved Today
18
+12%
Avg Decision
2.3s
AI
Disbursed
$20,000
Today
Loan Application
Personal Loan -
$5,000
Credit Score
Income Verification
Pass
DTI Ratio Check
Pass
Bureau Pull
Pass
Loan Status
Approved
Decision Time
4m 30s
95% Faster
Personal Loan Decision Time
97% Faster
Home Loan Processing
5X More
Straight Through Processing
16% Better
Document Processing Accuracy
The Transformation
01
Loan officer manually reviews paper applications
AI pre-fills application from existing customer data
02
Credit bureau pull takes 24–48 hours
Real-time credit scoring in under 60 seconds
03
Document collection via email/fax — weeks of back-and-forth
IDP auto-extracts and validates all documents
04
Underwriter manually calculates DTI, LTV, risk scores
AI calculates all ratios and generates underwriter summary
05
Home loans take 30–60 days from application to close
Home loans processed in 1 business day
06
No audit trail compliance is a manual exercise
Immutable audit trail - always exam-ready
How LOS Works
Every loan type personal, home, SME flows through the same intelligent pipeline with product-specific policy configurations.
Customer submits loan application via Digital Channels, branch tablet, or Ambassador Banking tablet. Data pre-filled from ID capture.
LOS triggers real-time bureau pulls (Equifax, TransUnion, Experian). AI engine computes credit score and repayment capacity.
Configurable policy rules evaluate DTI, LTV, income bands, and product eligibility. Decision workflows for exceptions
AI generates personalized loan offer amount, rate, tenor. Presented to customer via app or tablet in real time.
Configurable policy rules evaluate DTI, LTV, income bands, and product eligibility. Decision workflows for exceptions
The Transformation
From consumer lending to complex commercial loans - LOS handles the full spectrum.
Multi-Bureau Integration
Real-time pulls from Equifax, TransUnion and Experian with fallback scoring
AI Credit Scoring
Proprietary models combining bureau data with behavioral and income analysis
Repayment Capacity Analysis
Income-to-EMI computation with configurable thresholds per loan product
Configurable Rule Sets
Bank-defined underwriting rules per product serviced by the LOS, not IT
Exception Workflows
Pre-built escalation paths for out-of-policy cases needing underwriter review
Product Eligibility Engine
Matches external profiles to loan products based on pre-determined conditions
Digital E-Sign
Legally binding e-signature integrated end-to-end without third-party tools
Auto-Disbursal
Straight-through processing links approval to fund transfer in real time
Repayment Tracking
EMI schedules, delinquency tracking, and early warning scoring built in
Compliance in Action
Customer initiates via mobile app or in-branch tablet
Multi-channel entry point
18 sec
LOS pulls existing KYC, account history, and credit data
Auto-fetched from core banking
38 sec
AI credit engine scores and recommends loan amount
ML-powered decisioning
45 sec
Loan disbursed to account
Real-time fund transfer
Customer reviews offer and e-signs digitally
Paperless consent flow
2 minStart Your LOS Transformation
See how Impacto LOS transforms your lending operations from application to disbursement. Impacto Digifin LOS deploys in 90 days with full integration to your existing core banking system.
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