Case studies
TBI Bank – Redefining lending for a new generation

TBI Bank – Redefining lending for a new generation

Retail Banking
tbi bank logo on blue background

TBI Bank

With ambitions to be a next-generation digital lender, TBI Bank needed next-generation technology. In just two months FintechOS delivered an end-to-end integrated lending solution, leveraging data and analytics to deliver customer-centric products at every touch point.

Key achievements


Minutes time-to-money for new customers (from 3 days).


Over one million online loan applications in 2020 and rising.


Online merchants seamlessly integrated in embedded lending.

The Challenge

For TBI the operational challenge could be summed up in one word: friction. Customer onboarding was cumbersome, with paper-based data processes for the bank and for prospective clients – a classic source of friction. Credit approval meant gathering data from multiple agencies – more friction.

Product development and marketing programs were slow, unsynchronized, and costly: yet more friction. What the bank needed was flexibility, automation, and online processes – and fast.


With FintechOS as its strategic partner, TBI Bank implemented a market leading digital lending platform capable of delivering customer-centric products and services across the business in just two months.

The solution brought together data from siloed internal systems and external feeds into its Evolutive Data Core, an API-driven aggregation layer, giving the bank access to accurate information on customers and the services they use.