Cargills Bank was expanding its retail banking footprint but had no existing infrastructure for pawn broking or gold-backed lending. As customer demand grew, the bank needed to launch a secure, fully digital gold loan product quickly. This wasn’t a modernization project….
Closing the Gaps: How Lion Brewery Gained Control Over Fuel Spend Without Slowing Operations
Lion Brewery’s expanding logistics operations revealed a clear gap in fuel usage oversight. Vehicles were managed manually with no systematic tracking of mileage or refueling. Fuel quotas existed in theory but were nearly impossible to enforce in practice. Core Issues Manual…
Building Amana Bank’s First Sharia-Compliant Gold Loan Platform From Zero to Branch-Ready
Amana’s planned gold loan offering had strict requirements that ruled out conventional lending models. The product needed to operate fully within Islamic finance principles, specifically, avoiding interest (riba), relying on asset-backed structures, and ensuring transparency at every transactional stage. This wasn’t…
Fixing Credit Approvals Without Slowing Down
Pan Asia Bank’s credit approval process was manual, slow, and error-prone. There was no central system to manage loan workflows or enforce Delegated Authority (DA) rules. Staff handled documents manually, approvals took longer than they should, and delays hurt customer experience….
