From Click to Cash: Fully Automated Loan Approval Qorus-Infosys Finacle Banking Innovation Awards 2025

Submitted by

imagin (CAIXABANK)

Premium

11/06/2025 Banking Innovation

A 100% digital journey for pre-approved customers that converts eligibility into instant access—cutting time, paperwork, and friction.

Innovation details

Country
SpainCategory
Business Banking InnovationKeyword
Loans, Customer experience, Transformation, Digital channels & Omnichannels, Automation

Innovation presentation

This project offers instant access to loans for eligible users by eliminating redundant steps. Customers are seamlessly redirected to an immediate online loan, where pre-approval becomes an immediate action. By focusing on pre-approved users, who are often slowed down by generic processes, the project reduces loan approval time by 30%. With the participation of technology, risk and user experience teams, the new system increases conversion by 12%.

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