Case Study: TBI Bank achieves frictionless digital lending with FintechOS

TBI Bank Redefining lending for a new generation

TBI Bank, a next-generation digital lender serving customers across several European markets, was struggling with friction in its lending operations, from paper-based onboarding and slow credit approval to costly, unsynchronized product development. To modernize its lending experience and support multiple product lines and countries, TBI Bank partnered with FintechOS and its digital lending platform.

FintechOS implemented an end-to-end integrated lending solution in just two months, combining siloed internal and external data with automation blocks, API-driven data aggregation, KYC, and credit risk checks. The result was a frictionless, omnichannel lending journey that reduced time-to-money for new customers from three days to 15 minutes, enabled over one million online loan applications in 2020, and helped drive 60% month-on-month growth, with seamless embedded lending across more than 10,000 online merchants.

TBI Bank

Kostas Tovil

Senior Vice President e-Commerce