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- Publisher
- Inderscience Publishers
- Copyright
- Copyright © Inderscience Enterprises Ltd
- ISSN
- 1751-200X
- eISSN
- 1751-2018
- DOI
- 10.1504/ijbsr.2022.122531
- Publisher site
- See Article on Publisher Site
Abstract
This paper presents a technology-driven online loan core banking system, designed to fully automate the loan life cycle process. Its interoperable architecture, in both external and internal facing banking components, enables the unification and seamless collaboration of previously isolated ones. The derived workflows can be used for covering aspects from the analysis of customer data for determining the creditworthiness of the applicants, till the repayment and end of the loan. Due to the restricted human intervention the probability for errors is drastically reduced, while bank resources are made available for focusing on improving business and customer needs. In order to provide a multi-perspective evaluation of the proposed technology-driven e-loan banking system, the balanced scorecard method is employed which, by monitoring the performance of predefined KPIs, verified the applicability and significant value of the proposed platform.
Journal
International Journal of Business and Systems Research – Inderscience Publishers
Published: Jan 1, 2022