Loan approval times could reach four to six weeks, even for low-risk applications.
This situation directly impacted customer satisfaction, commercial responsiveness, and the bank’s ability to grow across its different markets.
Retail banking
Digitizing the credit process to reduce approval timelines from several weeks to 48 hours and improve commercial performance.
Digitalization of the Credit Value Chain
Client : Leading Retail Bank (West & Central Africa)
A leading commercial bank in West and Central Africa was facing excessive loan processing times, leading to growing customer dissatisfaction and missed commercial opportunities. The challenge was to modernize the credit origination process while preserving risk control and regulatory compliance.
Operating across multiple markets with a significant volume of retail and SME loans, the bank still relied on manual exchanges, sequential approvals, and heterogeneous tools. This fragmented setup constrained operational performance and limited its ability to scale sustainably.
A rapid impact on performance
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Challenge
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Solution
A comprehensive redesign of the loan origination process was undertaken to streamline workflows and secure operations. The transformation was built on the digitalization of document collection, the implementation of shared workflows, the automation of controls, and the parallelization of critical steps.
This approach enhanced visibility between commercial teams, risk functions, and back-office operations, while ensuring regulatory compliance and stronger control over end-to-end processes.
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Results
Approval and disbursement timelines were reduced to 48 hours, significantly improving customer satisfaction and commercial performance.
The bank now operates a streamlined, scalable, and secure processing chain, capable of supporting its regional growth ambitions.