SIB Gold Xpress — In-house Real-Time Credit Bureau Integration for High-Value Gold Loans Qorus-Infosys Finacle Banking Innovation Awards 2026

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South Indian Bank

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17/06/2026 Banking Innovation
RBI mandated repayment capacity assessment for gold loans above ₹2.5 lakh. Finacle GLOAN had no native credit bureau integration. South Indian Bank built a Java/Spring Boot microservices layer bridging Finacle GLOAN and CIBIL TransUnion in real time

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