Case Study: TymeBank achieves scalable, real-time digital lending and faster approvals with GDS Link Decisioning Platform

South Africa’s First Fully Digital Bank Leverages GDS Link’s Modellica Solution for Real-time Credit Decisioning

TymeBank, South Africa’s first fully digital bank serving over 1 million customers and adding more than 100,000 new customers each month, needed a secure, user-friendly, and highly scalable credit decisioning platform to improve onboarding and lending accuracy. To meet requirements for real-time attribute calculation, seamless integration, and cost-effective, high-ROI decisioning, TymeBank selected GDS Link and its Decisioning Platform.

GDS Link implemented its Decisioning Platform—delivering real-time risk assessment, automated data aggregation, and simplified onboarding—and fully deployed the solution within six months. The platform enabled real-time automated decisioning that reduced costs, accelerated approvals, improved lending accuracy, and smoothed customer onboarding; measurable impacts included efficiency gains, proven ROI, and accelerated expansion into new partnerships (including a collaboration with Zion Christian Church).

TymeBank

Dietmar Bohmer

Chief Data Scientist