Product builder
Banking product factory
The Fintral product factory is a builder where a bank or microfinance organization assembles a loan, deposit, card or instalment product on its own and launches it in days, without a separate development project.
What you configure
A product in Fintral is described by parameters, not code. A product manager sets the terms on screen and sees the result right away.
- Rates, terms, amounts and limits by customer segment
- Fees and tariffs
- Repayment schedule: annuity, differentiated or bullet
- Rules for who can get the product
- Application steps and the documents the customer signs
Products you can launch
Consumer loans and microloans, small business loans, deposits, cards, buy now pay later, insurance products, Islamic finance products and products for legal entities. They all run on one core, with shared customers, accounting and reporting.
Versions and change control
Every change of terms is saved as a new product version. Contracts already signed keep running on their own version, and an earlier version can be viewed and restored. The platform follows the four-eyes principle: important changes are confirmed by a second employee.
What happens after launch
A published product is available in your channels: internet banking and the mobile app, branches, and partners through the API. Applications go through the loan origination pipeline, and disbursement creates general ledger entries and data for central bank reporting.
See Fintral on your own scenario
A 45-minute demo: a product from setup to disbursement and reporting.
Request a demo