MobiFin Digital Lending covers the full loan lifecycle — origination, credit decisioning, disbursement, servicing, collections, and NPA management — for banks, NBFCs, MFIs, and fintech lenders. No stitching together separate systems.
Most lending problems aren't credit problems. They're process problems — slow decisions, disconnected systems, and loan books that nobody has full visibility into.
The origination system doesn't talk to the servicing system. The servicing system doesn't surface NPA risk in real time. Collections work off a list, not a workflow. And the compliance team assembles reports after everything else is done.
LOS handles origination and decisioning. LMS handles everything after disbursement. Both are native modules in MobiFin Digital Lending — sharing data, not just an interface.
Built for banks, NBFCs, MFIs, and fintech lenders. MobiFin Digital Lending is an API-first, cloud-native platform with automated credit decisioning, configurable workflows, blockchain-enabled audit trails, and a full loan servicing engine — in one connected system.
From the first inquiry to disbursement authorization. LOS manages the entire front-end of the lending process — applications, document collection, credit assessment, automated decisioning, and e-sign — on a single configurable workflow engine.
From disbursement through to write-off. LMS manages the entire post-disbursement lifecycle — repayment scheduling, collections, NPA classification, integrated accounting, and borrower servicing — fully automated.
Pre-configured for 18+ loan product types — from personal and SME lending to co-lending, BNPL, and infrastructure finance.
MobiFin Digital Lending integrates with your existing infrastructure — core banking systems, CRMs, accounting software, credit bureaus, and payment rails — through a standardized API layer. Deployable on-cloud or on-premises.
Hosted on Oracle Cloud Infrastructure with reduced CAPEX, auto-scaling, and BCP/DR with real-time data replication between primary and DR sites.
REST API integration with CBS, CRM, account aggregators, e-sign solutions, credit bureaus, direct debit services, income verification, and accounting software.
All origination events, credit decisions, and servicing actions recorded on an immutable blockchain-based audit table — for compliance, auditors, and verification workflows.
AES-256 encryption at rest and in transit. PII secured with in-built encryption algorithms. Oracle Cloud Guard, Cloud Data Safe, and secured WAF policies.
From the first inquiry to the final write-off. Talk to our team to see how MobiFin Digital Lending fits your loan book, your regulatory context, and your existing infrastructure.
