TurnKey Lender

Globe Telecom serves around 87 million mobile customers. For prepaid users, running out of credit isn’t just an inconvenience. It means losing access to calls, messages, and the internet. Globe saw an opportunity. By offering instant credit for prepaid balances and promotions, they could keep customers connected when they needed it most. But processing thousands of credit requests per second? That was a challenge. They needed a platform that could handle the entire lending process. One that automated origination, decisioning, and collections. One that integrated with existing systems and delivered real-time results. That’s where TurnKey Lender came in. With our end-to-end lending platform, Globe Telecom: -- Automated the full lending lifecycle -- Enabled real-time approvals for prepaid credit -- Integrated with Globe’s data sources and proprietary scoring for fast, reliable decisions Now, when a Globe customer needs prepaid credit, the process happens instantly: 1️⃣ They browse offers in the GlobeOne app, SMS, or Facebook 2️⃣ TurnKey Lender’s loan management system processes the loan request by gathering customer data from all the available sources and receiving Globe Telecom’s proprietary scoring results. 3️⃣ If approved, they receive credit immediately. 4️⃣ Smart notifications and collections run in the background. "With Turnkey Lender, Globe loans can operate real-time availment and collections using a centralized platform," said Armelie Go from Globe Telecom. "After the initial deployment and adjustment period, Globe Telecom was able to implement expansion to apps and digital channels to deliver personalized offers and experiences." For embedded finance to work at scale, every credit decision must be seamless. That’s what Globe achieved. #EmbeddedFinance #LendingAutomation #Fintech #TelecomInnovation

Imagine automating 90-100% of the biggest consumer finance processes. From credit scoring to workflows, integrations, and loan servicing. Lenders worldwide are leveraging automation to: ✔️ Access larger, higher-quality borrower audiences ✔️Offer any type of consumer credit instantly—personal loans, microloans, BNPL, peer-to-peer lending, leasing, telecom financing, and more ✔️ Scale efficiently with industry best practices and innovation If you're in the lending space, the question isn't if you should automate, but how fast you can. #fintech #digitallending #loanautomation #bnpl #lending

Loan collections don’t have to be a headache. The old way? Manual tracking, late interventions, and unnecessary write-offs. The new way? ✅ Action planning on autopilot Lenders can set up collection calendars for each borrower once—and let automation handle the rest. ✅ Proactive borrower nudges Missed payments? Overdue accounts? Borrowers get real-time notifications before collections escalate. ✅ Auto-write-offs (but with control) No more manual reconciliations—lenders focus on strategy while borrowers stay informed about automatic write-offs. The result? 📉 Fewer delinquent accounts 📈 Higher recovery rates 💰 Less time wasted on chasing payments Automation changes the game. #loancollections #automation #fintech #lending #embeddedlending

Legacy systems are holding lending back. Here’s how financial institutions can move forward. Every lender faces this challenge: You want to launch AI-driven underwriting, automate decisions, or embed lending into new channels—but outdated core systems are slowing you down. And you’re not alone. 📉 55% of banks say legacy systems are the biggest barrier to digital transformation.* These systems were built for a different era—before real-time decisioning, embedded finance, and AI-driven lending became the standard. Now, they’re creating bottlenecks: 🔻 Data is trapped in silos Disconnected systems make it harder to get a full picture of the borrower. 🔻 APIs aren’t built in Many legacy cores lack modern integration capabilities, making fintech partnerships costly and complex. 🔻 Security & compliance risks are real Outdated infrastructure is harder to protect and adapt to changing regulations. 🔻 Upgrades take too long Some institutions spend years trying to modernize—only to realize the market has already moved on. 🔻 GenAI adoption is challenging Legacy architectures often can’t support GenAI add-ons with human-in-the-loop oversight. How forward-thinking lenders are modernizing—without a full system overhaul? They: ✅ Use middleware & APIs – Layer modern solutions on top of legacy systems instead of forcing a full replacement. ✅ Prioritize high-impact upgrades – Focus on underwriting, decisioning, and automation for immediate ROI. ✅ Move to the cloud strategically – A phased approach can provide scalability without the risks of an all-or-nothing migration. ✅ Leverage AI & automation – Even within legacy infrastructure, AI can optimize decision-making, reduce risk, and enhance efficiency. We’ve seen firsthand how a brick-and-mortar lender in the Philippines transformed into an award-winning digital bank—and how even well-funded institutions can struggle without a coherent digitalization strategy. Lending is evolving now—the institutions that modernize efficiently will be the ones leading the future. #lending #techstack #fintech #digitallending

"We weren’t tech-savvy, so we had doubts about going fully automated. But we knew we had to innovate to stay competitive." That’s how a U.S.-based car dealership owner felt before turning to TurnKey Lender.  The goal was simple: To move away from outdated, paper-based processes and compete with larger dealers and SMEs. Once they decided to make the change, the solution was fully operational just two weeks after signing the contract. The system the customer now uses:  👉 Enables automatic collections and vehicle control   👉 Was white-labeled and customized by TurnKey Lender to match the client’s branding   👉 Is automated end-to-end, cutting operational costs and human error   👉 Has intelligent, AI-powered credit decisions   👉 Is scalable, to handle the business growth it enables   👉 Is cloud-based for global accessibility by employees and clients Since implementing TurnKey Lender, the dealership has experienced a 50% increase in year-over-year growth, with revenue continuing to rise. "We’re not technical, so we were skeptical about implementing a fully automated financing solution. Nonetheless, I saw that to survive in today’s market, we needed to innovate, which we couldn’t do on our own. TurnKey Lender addressed all of our concerns, and we’re happy with the results."   #AutoFinancing #LoanAutomation #BusinessGrowth #FintechSolutions

Gartner predicts* that by 2027, 90% of finance-related descriptive and diagnostic analytics will be fully automated. This will significantly improve data quality and transparency. And remove the need for manual tasks.  According to McKinsey**, automation in the financial services sector can reduce processing costs by up to 70%. Loan approval times will be reduced from days to minutes. This means that lending automation will be the foundation for a more profitable and scalable business. Now, if you decide to go for a lending automation solution, you stand before the obvious question:   Which is the better option, buy or build? We cover both options in our Buy vs Build Guide. Check the link in comments.

Too often, lenders are forced to choose between flexibility and efficiency. → A system that’s easy to use lacks the depth to handle complex credit policies. → A system that offers full control requires endless workarounds to function smoothly. What if you could have full control over credit policy and approval logic? Suddenly, you don't need to compromise in: – Loan decision quality, – Approval time, or – Borrower evaluation criteria. You can easily create credit products that minimize risk, ensure compliance, and improve customer satisfaction. #lending #lendingautomation #credit #loanmanagement #loanorigination

When CareFund CEO Patrick Kent shared his mission of helping patients access essential healthcare through flexible payment plans, he knew they needed a robust loan management solution to match the vision. We partnered with CareFund to deliver an end-to-end automated solution. CareFund now empowers medical practices to offer accessible payment options, ultimately helping more patients say "yes" to the care they need. Swipe through to hear directly from Patrick. #healthcarefinance #automation #loanmanagement #clienttestimonial

Automation has changed the loan servicing playbook. Loan servicing isn’t just about disbursing funds and tracking repayments. It’s a complex process that, if not automated, can quickly become a bottleneck for lenders and a headache for borrowers. Here’s where automation makes all the difference: ✅ Digital statements Paper statements are expensive and outdated. With all data online, digitalization is the default, making access faster and easier. ✅ Interaction tracking Every borrower-lender interaction is logged and accessible—payment history, customer service queries, and more—all in one place. ✅ Credit bureau syncing The system automatically pulls the latest credit data and updates borrower records in real time. ✅ Automated alerts & reminders Borrowers receive proactive reminders about upcoming or overdue payments. Lenders get real-time alerts about potential bad debt before it becomes a problem. ✅ Account management Any change in user status—whether an overdue payment or an updated document—is reflected instantly. ✅ Flexible scheduling Modern borrowers expect flexibility. Automation enables smarter, AI-driven loan scheduling, allowing for adjustments when life happens. Are you keeping up? Or are you still relying on manual loan servicing? #loanservicing #loanmanagement #digitallending #lending #customerexperience

Our CEO Dmytro Voronenko put down his thoughts on what to expect in the digital lending world this year: 1. GenAI agents, the biggest game changer 2. AI-powered hyper-personalization 3. Real-time lending: Every borrower's dream coming true 4. "Lending without loans" 5. Embedded lending: Weaving financing into the fabric of everyday life 6. Enhanced cybersecurity: Fortress of trust on the horizon 7. Lower cost of capital: A benefit for borrowers and lenders Do you see these trends unfolding in 2025 too? #DigitalLending #Fintech #Innovation #AI