The Industry Landscape
Evolving Lending Ecosystems Demand Speed, Scalability & Flexibility
In today’s fast-paced banking environment, financial institutions must meet growing corporate client expectations for frictionless, rapid financing while ensuring robust compliance and operational stability. For corporate banks, offerings like invoice discounting have become mission-critical. Yet legacy systems often hinder agility, especially when handling high volumes of loan requests. Intelligent, integrated solutions essential to transform lending into a seamless, insight-led experience.
The Client Challenge
Scaling amid Volume and Visibility Constraints
The client received an average of 2,000+ invoice discounting loan applications each month, including new requests, amendments and settlements. While a core banking system was in place, it lacked the agility and workflow visibility to handle business process management at scale. This also led to inconsistent borrower experiences and increased dependency on manual intervention, slowing responsiveness in a fast-moving lending market.
The Solution
A Future-ready Lending Model Powered by Appian
WNS partnered with the client to re-design the invoice discounting process by leveraging Appian’s low-code capabilities and intelligent automation. The result was a future-ready solution that harmonized workflows, improved speed and simplified experiences for both end-users and administrators.
Key solution elements included:
Unified Digital Interface
A centralized portal for users to initiate, view and track loan requests, regardless of the submission channel (manual or internet banking)
Dynamic Approval Workflows
Approval logic dynamically configured based on the loan amount and risk criteria, enabling quicker decision-making
20+ System Integrations
Including deep integration with the bank’s core system to enable real-time data exchange and reduce manual intervention
Intelligent Data Capture
Automated data extraction from invoices streamlined input and minimized human error
Administrative Flexibility
A management portal empowered system administrators to update key parameters and troubleshoot efficiently
Embedded Business Rules & Calculations
Complex loan and interest calculations were automated and easily updatable without development overhead
This human-led, hyperautomation-powered approach enabled the client to move beyond traditional processing to a smarter lending ecosystem – agile, scalable and built for continuous improvement.
The Outcome
Faster Processing, Real-time Visibility & Future-ready Scalability
The transformation delivered measurable impact across operational and experiential dimensions:
The success of this implementation not only resolved longstanding process bottlenecks but also laid the foundation for continued innovation across the bank’s digital lending operations.