Platform

Lending technology built around financial institutions.

balaBNK is an augmentation layer, not a replacement for existing financial infrastructure.

The Digital Credit Layer

Your infrastructure stays.
Your lending becomes digital.

balaBNK augments existing core systems, balance sheets, regulatory frameworks and lending operations with modern digital credit capabilities.

01Digital onboarding

02Identity and eKYC

03Credit bureau integration

04Credit scoring

05Psychometric scoring

06Responsible financing through financial-literacy scoring and training

07Automated decisioning

08Product configuration

09Approval workflows

10Securities

11Loan origination

12Partner lead origination and management

13Repayment and servicing

14Collections

15Delinquency management

16Portfolio monitoring and behavioral analytics

Platform modules

Create fully digital journeys incorporating identity verification, eKYC, customer information, documents and external data sources.

Configure products, eligibility rules, limits, tenors, pricing, securities and customer requirements.

Combine internal policies, external data, scorecards and lending rules to automate decisions.

Digitize governed approval processes with configurable authorities and multi-step workflows.

Manage booking, schedules, payments, balances, settlement, delinquency, collections and restructuring.

Monitor lending activity, repayment behavior, quality and customer performance in one data layer.