TBI Bank. 100% digital lending B2C and B2B platform.

Delivering a 100% digital lending platform with an exceptional customer experience. All while maintaining regulatory compliance.

100%digital, multi-channel lending solution

80%decrease ‘time to yes’ and ‘time to money’: 80% automated in 9 seconds

The Challenge

To create next generation digital lending, 4finance’s innovative challenger bank, TBI Bank, needed to digitalise its offline processes and setup end-to-end online processes. For both B2B and B2C.


Using FintechOS technology, TBI Bank created personalised individual and business banking services offered through any digital channel. And they delivered a 100% digital lending platform with an exceptional customer experience while maintaining regulatory compliance. The main focus was enhancement of customer data, data processing, controls and technological support of digital processes.

Plus a simplified way to integrate with multiple systems and vendors. With back-office operations facilitated by automating KYC and risk profiling to speed up time to money.

“It is not easy to open the way for innovation in a traditional banking market. But the desire and courage to offer our clients a different financing solution, 100% on-line was sustained by the boldness of our partner, FintechOS, to develop the necessary technology.”

Kostas Tovil – SVP E-commerce, TBI Bank

Transforming the digital customer experience

Process & Product

Digital Loan Origination B2C | Digital Loan Origination B2B | Digital Onboarding | Video KYC | Credit Scoring | Customer 360 | Campaign Orchestration | Disbursement Processes | ecommerce lending

Channels & Touchpoints

Mobile | Website | Tablet


Business Rule Engine | Digital Document Management | Workflow Management | Risk Assessment Engine | Cognitive Services | Product Engine | | Hyper personalization engine | Integration engine


Digital Onboarding | Hyper-Personalisation | AI-Driven