Lending as a Service: Revolution in credit contracting with journeys embedded in platforms Qorus-Infosys Finacle Banking Innovation Awards 2024
BrazilCategory
Business Model TransformationKeyword
Loans, Beyond financial services & ecosystems, Embedded finance & Super apps
Innovation presentation
LaaS (Lending as a Service) enables the provision of credit products embedded in contextual journeys, facilitating the distribution of Bradesco loans at any time and in any location. This is achieved through strategic partnerships with financial and non-financial ecosystems, with an Invisible Banking technology layer creating a distribution model.
Our innovative approach to data analysis and information gathering from partner platforms enables us to provide a more assertive credit analysis, with better offers and personalised credit solutions that align with the customer's needs and timing. The offer is made available in a fully digital and contextual journey, providing a seamless contracting experience on partner channels.
The solution's main technological differentiators are its flexibility and capacity for scale, provided by a modular structure built with APIs and whitelabel journeys.
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