Digital Lending Platform

End-to-end Credit Lifecycle Management.
Instant Credit. Microsegmentation. Risk Optimisation.

In recent times, the lending market has witnessed disruption by a wide variety of FinTech and BigTech organisations who foresee an opportunity to transform businesses to be seamless through digital technology and innovative design. Traditional lenders on the other hand, are also willing to experiment with new digital options to provide a far more unified, flexible and efficient approach to the lending business.

Across the spectrum of lending institutions, there is a need for multi-channel, self-service digital lending and leasing products, that harness these advancements in technology to offer superlative experience to their customers.

IDL 20 is a comprehensive digital credit management system designed to meet the ever-changing needs of credit seekers and financial institutions. It empowers FIs to offer both commoditised and specialised credit products across all business segments including Retail, Corporate, SME and Agri.

Built on an ‘Always On, Always Aware’ concept, the system allows banks to deliver a truly digital, real-time solution to their customers. Banks are empowered to make real-time informed credit decisions, giving their customers access to a 360-degree view of their credit portfolio. IDL 20 is designed on the DIY principle that allows banks to create their own products anytime, anywhere. Its fully automated and robust architecture ensures lower cost of operation by driving higher efficiency.

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We value our clients and are committed to provide
innovative solutions for all their needs.


Product Highlights
Credit origination

Credit origination

In-principle loan approval in minutes.

Omnichannel with save & resume functionality.

Pre-configurable workflows suiting business requirements.

Loan servicing

Loan servicing

Design & launch new products.

Personalise loan product.

Risk optimisation.

Digital experience

Digital experience

Real-time tracking and customer updates.

Anytime, anywhere banking.

Decisions on the go with insta-alerts deviations.

Debt management

Debt management

Increase collections with segment-based strategies.

Hyper-efficient field mobility module.

Optimising risks with real-time informed decisions.

Collateral & limits management

Collateral & limits management

Real-time comprehensive view of risk.

Revaluation of financial collateral.

Optimised for cost savings.



Driving customer value & market leadership.

CEB TowerGroup

Intellect Origination profiled amongst leading consumer loan origination system providers in CEB TowerGroup analyst report “The Lending Evolution: Preparing for the Sustainable Consumer Lending Growth”

IDC FinTech Real Results

Intellect ranked #1 “Overall Winner” & #1 in “Enterprise Efficiency”@ IDC FinTech Real Results Awards for Lending Suite Implementation @ Ahli Bank. IDC

IBS Intelligence

Intellect Lending named amongst “Well-Established Specialists with Front-Back office Lending Systems”


Intellect Loan Origination System (LOS) featured amongst Systems for Automating Commercial Lending in Aite’s report
“Automating Commercial Lending Do’s and Don’ts, and How much You’ll Make”

CEB TowerGroup

Intellect Debt Management recognized as a “best-in-class” solution for enterprise support in CEB TowerGroup analyst report evaluating loan collections systems in retail banking (2016)

Global Collateral Management

Intellect Collateral and Limits Management System & Intellect Quantum Collateral Management System (QCMS) featured amongst Global Collateral Management Stand-Alone Technology Vendors


MAFF wins Celent Model Bank Award 2018 for Implementation of Online Portal for Corporate Card Program for Instant issuance of Credit Card

The Asian Banker

Gulf Bank Kuwait Wins ‘Credit Risk Technology Implementation of the Year in the Middle East and Africa’ from The Asian Banker after implementation of Intellect Debt Management

Want to know more about Intellect Consumer Banking Products?

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