Financial Institutions
We enable Digital Transformation for better customer focus and stronger Risk Management.
How we serve
Financial Institutions:
Q-Lana’s solutions target Financial Institutions of any size and business model. We serve clients such as Commercial Banks, Development Financial Institutions, CDFIs, Microfinance, Specialized Lenders and Fintechs.
Our platform solutions can be installed in the cloud or on premise. Q-Lana can handle any type of lending product, including term loans, credit lines, trade finance, mortgage loans, consumer loans, leasing and guarantees in multiple currencies.
Comprehensive solutions for Financial Institutions
Our product and solutions explained, covering the entire lending process and how we can support you each step of the way.
Our core product! It covers the entire lending process, from scoring-driven retail loans to complex corporate loans with structured monitoring and collections.
The light version if our Loan Management System offers predefined workflows and simple decisions, providing smaller organizations and microfinance institutions an expandable entry point.
Q-Lana and partners meet all your needs for customer interaction: through branches and agents with field apps. Also via internet banking, apps, wallets, and embedded finance.
SME lending is both exciting and challenging. Q-Lana’s Loan Management System navigates these challenges with a range of tools, while our portals offer online accounting, planning, and marketing tools for SMEs.
Q-Lana offers configurable scoring/rating modules for assessments and monitoring, using heuristic or statistical models, with machine learning and alternative data options. Our team ensures calibration and updates.
Our platform offers modern risk management tools for qualitative and quantitative assessments, including vintage analysis, an Early Warning System, covenant monitoring, RAROC, ECL, economic capital, and other credit risk models.
Q-Lana’s platform supports customer-centric banking by visualizing exposures and activities, integrating public and private data to enhance customer journeys.
Q-Lana’s AI Workspace integrates AI into our platform, leveraging diverse data sources to help customers advance in risk management and customer-centric banking.
Q-Lana’s ESG Self-Assessment Platform (launch: 2025) helps small entrepreneurs and SMEs in developing economies conduct initial ESG assessments, meeting growing data demands with structured tools.
Together with our subsidiary, Q-Lana Investment Advisors, we are developing innovative forms of Risk Sharing Funds and tools
Providing advisory services to our clients is a key success factor. The Q-Lana team offers an ideal combination of subject matter expertise, development skills, and analytical background. Over the years, we have conducted over 100 advisory projects.
What makes Q-Lana special?
Why choose Q-Lana
- Our platform automates workflows, reducing process time.
- Leverage existing client information, resulting in simplified processes, improved risk assessment, and enhanced customer centricity.
- A single tool for origination, disbursement, monitoring, and reporting.
- Improved collaboration within teams and across departments.
- Reduced risk of errors by taking advantage of automated verifications and decisions.
- Minimized manual processing and exception handling.
- Break down organizational silos—collaborate across teams to better serve clients.
- Simplified collaboration with external service providers.
- A user-friendly SME lending tool that minimizes repetitive tasks in processing loan applications.
- Transparency in the lending process—know the status of an application at any stage.
- Apply from anywhere – a multichannel approach: mobile application, online portal, or meeting in a branch.
- Fast pre-qualification followed by accelerated credit decisions and optimized “time-to-money.” Based on risk appetite, decisions and fund disbursement for simple loans could happen within minutes.
- Focus on true client relationships built on trust and experience, fostering collaboration even in times of crisis.
- Digital document flow and a detailed alert system that sends notifications about application status and payment schedules.
- Transparently calculated credit limits for various credit products, allowing for quick launches based on business needs.
- Guidance with loan simulators offering options to explore different loan variants to find the best solution.
- Cross-product customer journeys designed to simplify processes for your corporate bank customers.
- Automation of routine activities through bulk payments, extensive self-service features, and flexible approval workflows.
- Q-Lana is built on a low-code platform, enabling easy integration via API and a microservice structure.
- The business model of our open banking platform is based on collaboration and co-creation with the IT department.
- Q-Lana relies on a strong team of highly qualified and experienced development experts.
- Our focus is on engaging with your IT team throughout the implementation process.
- Utilize exposed APIs, design system components, app templates, and starter libraries to facilitate independent development.
- Work in multiple, parallel streams enabled by microservice architecture.
- Empower your IT department to become Q-Lana experts, allowing you to initiate your own development and configuration activities.
- Q-Lana is designed using decades of experience from financial risk managers.
- In-depth knowledge of credit risk models is used to define workflows and controls.
- Q-Lana incorporates detailed concepts and tools for risk assessment and monitoring of exposures, including early warning trackers.
- Fully configurable risk rating/scoring widgets that can be calibrated based on the institution’s proprietary data.
- Prepared to run vintage and migration analyses, as well as valuation tools.
- Incorporates stress testing and scenario analysis for robust risk evaluation.
- Supports the development of a risk appetite concept for more transparent risk exposure management.
- Fraud detection tools verify if multiple processes have been initiated for the same customer.
- Q-Lana’s approach fosters long-term, collaborative, and transparent relationships with financial institutions.
- The low-code, composable approach allows for development and implementation aligned with the institution’s business plan and budget.
- Transparent pricing with no hidden costs—we aim to work efficiently and identify the most valid options when selecting suppliers.
- Q-Lana helps increase profit margins in your banking business through more efficient processes and improved risk management.
- Gain better transparency into your institution’s profitability with enhanced data on processes, declined loans, and other inefficiencies.
Our Clients and Partners
