The platform
Four modules. One platform.
Digital Onboarding, Loan Management, Core Banking and Collection Intelligence — built to work together, adopted in whatever order suits your institution.
Digital Onboarding and Collection Intelligence plug into your existing LMS — no migration required
Acquire
Digital Onboarding
Paperless applications, automated KYC checks, and instant handoff into lending.
Explore moduleLend
Loan Management
Configurable products, automated disbursement, and the full loan lifecycle in one book.
Explore moduleBank
Core Banking
Double-entry ledger, multi-currency accounts, and real-time reconciliation at the core.
Explore moduleRecover
Collection Intelligence
Risk-scored queues, automated recovery strategies, and promise-to-pay tracking.
Explore moduleModule 1 — Acquire
Digital Onboarding
Take customer applications from first click to approved account with zero paperwork. Automated document checks and a configurable state machine mean fewer stalled applications and faster time-to-yes.
Keep the LMS you already run
Digital Onboarding isn’t locked to Bankify’s own lending engine. Point it at your existing LMS and every approved application forwards straight in — no migration, no re-platforming your loan book to adopt it.
- Paperless application capture across web, WhatsApp and mobile
- Automated KYC document validation and freshness checks
- Configurable approval workflow from submission to disbursement
- Pluggable forwarding — Bankify’s engine or any external LMS, configured per institution
- Full audit trail on every state change
Module 2 — Lend
Loan Management
Run the full loan lifecycle — from configurable products through disbursement, servicing, restructuring and settlement — on one system built for how lenders actually operate.
- Customizable loan products with flexible terms and interest structures
- Automated disbursement and repayment scheduling
- Rate changes, restructures and early settlement built in
- Ageing, delinquency and portfolio-risk analytics out of the box
- Feeds Collection Intelligence automatically as loans age
Module 3 — Bank
Core Banking
A real double-entry ledger underneath everything else. Every disbursement, repayment and fee posts to accounts that reconcile — not a spreadsheet bolted onto your lending system.
- Double-entry ledger with real-time balance tracking
- Multi-currency accounts on a shared currency catalog
- Automated transaction processing and reconciliation
- Full customer 360° view across accounts and products
- The system of record every other module writes to
Module 4 — Recover
Collection Intelligence
Know which accounts need attention before they default. Transparent risk scoring, automated recovery strategies and promise-to-pay tracking keep your collections team focused on the accounts that matter.
Runs on your loan book, wherever it lives
Collection Intelligence isn’t tied to Bankify’s own lending engine. Sync it against loans already running on your existing LMS — via direct integration or CSV import — and get the same risk scoring, queues and automated strategies from day one.
- Transparent, rules-based risk scoring — every score explainable, never a black box
- Priority-ranked collections queue by risk, balance and days past due
- Automated, DPD-triggered recovery strategies across WhatsApp, SMS and email
- Promise-to-pay capture, reconciled automatically against incoming payments
- Recovery analytics by strategy, agent and ageing bucket
Ready to run the whole lending lifecycle on one platform?
Talk to a product specialist about which modules fit your institution today.