Credit operations built for the digital economy

Digital technologies—analytics, intelligent automation, mobility, APIs, fintech, cloud and more—should be sweet sounds to retail and commercial credit institutions. Why? Applying such innovations enables traditional lenders to deliver hyper-relevant lending experiences: optimized data-driven insights, “phygital” interactions, online originations, real-time visibility into loan tracking, fast processing and no paper.

We help lenders do just that. Draw on advanced data analytics, workforce approaches, processing power and new technology to make the shift to smart, lean and secure digital credit operations. It creates the best blend of channels within streamlined, automated processes across the full credit value chain. Those bold enough to make the move benefit from well-informed lending decisions, speedier time to close, highly productive staff, distinct employee and customer experiences and growth. We can help you rebuild your credit operations to thrive in the digital economy—and beyond.


Helping small businesses stay open amid pandemic

What distinguishes our credit capabilities?

Deep experience

Decades working with more than 100 major lenders globally.

One stop for change

End-to-end services for credit operations transformation—from sales through servicing and default management.

Business process services

Lowering operating costs through our back-office processing support.


Deploying and maintaining the technology critical to modern credit operations.

Mature onshore/offshore model

Driving higher quality, lower costs, greater process efficiencies and faster reaction to market and regulatory changes.

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Watch the video to hear clients describe their experiences working with our more than 2,500 global commercial banking professionals.

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Our technology alliances

We extend our credit services through strong alliances with leading software providers, helping lenders best execute their business strategies and stay market-relevant.

What we think

Our annual Top 10 Banking Trends report predicts the trends that will shape banking’s future.

Embedded finance on digital platforms integrates banking services into SMEs’ workflow. Find out how this creates risks and opportunities for banks.

Banks have an opportunity to finance the ESG agenda and help shape a fairer, greener and more resilient world.

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Case studies

Innovation and new ways of working translate into market share growth and catapult company into being a market leader.

We helped our client become a market leader with a mobile, real-time auto loans app to enhance the car-buying experience.

Our client became one of the first in Europe to implement a converged CRO-CFO structure and digitalize its credit offering.

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Our leaders share their insights.


How to manage risk for a successful implementation

Implementation risk can deter banks from updating their systems. Accenture’s Jared Rorrer and AFS’s Rick Bare outline how to minimize these risks.

How banks can thrive in the face of rising interest rates

Rising interest rates, soaring inflation and the advent of rate maximization apps pose unique challenges for banks.

Can banks grab the buy now, pay later opportunity?

Fintechs have a head start with buy now, pay later, but banks are starting to make their move. Dilnisin Bayel reviews their options.

Our leaders

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