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Banks Increases Productivity with Salesforce Implementation Case Study
Success Story

Boosting Revenue & Efficiency with Digital Lending Transformation

Financial Services

The client, a leading credit financing company in Asia, is renowned for its innovative approach to lending. With a strong foothold in both online and offline credit financing, the company leverages cutting-edge technology to offer seamless, customer-centric financial solutions.

The Challenge: Retail Giant Struggling with Efficiency

The client was facing critical challenge—determining the right customers for credit allocation. Without a robust system to assess creditworthiness, decision-making became complex, leading to inefficiencies and potential revenue loss.

The Chief Financial Officer (CFO) faced mounting concerns over risk management, as the lack of precise credit categorization made it difficult to optimize lending strategies and ensure sustainable growth. They needed a structured approach to categorize users based on key credit parameters such as credit health, loan eligibility, and optimal allocation amounts.

To overcome this, the client aimed to enhance its digital products, with a particular focus on developing a consumer-facing Android application. This app would streamline the credit approval process by leveraging customers’ CIBIL scores, enabling seamless access to a “Line of Credit.” Additionally, it would facilitate effortless offline payments via UPI QR codes, ensuring a frictionless borrowing and repayment experience.

The Solution: Seamless Credit Access

Datamatics developed a robust, consumer-facing Android application that streamlined the credit approval process, enabling customers to secure a "Line of Credit" based on their CIBIL scores. This digital solution empowered users to seamlessly make purchases at offline merchants that accepted UPI QR code payments, enhancing accessibility and convenience.

To ensure a frictionless transaction experience, Datamatics implemented seamless merchant site QR code integration within the app. This innovation allowed users to instantly scan and complete payments directly from the app, following a secure user verification process. By bridging the gap between credit access and real-time payments, Datamatics delivered a scalable, technology-driven solution that transformed the lending experience.

Impact: Enhanced Customer Engagement

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Faster Credit Recoveries

& increased customer satisfaction

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17% Increase in Userbase

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28% Increase in Revenue

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