Case Study: Leading Multinational Retailing Company achieves sub-5-minute credit decisions with Mendix App Platform

Multinational Retailer Builds Consumer-Credit Origination System with Mendix

A major multinational retailer with more than 500 stores in five countries depended on store credit for roughly 75% of sales and processed over 100,000 credit applications per month. Its aging, inflexible origination system slowed decisions to one or two days, hindering real-time customer acquisition and reducing responsiveness across multiple application channels (in-store, web, SMS, fax, email).

Using the Mendix App Platform, a small cross-functional team built a multi-channel credit-origination system in under six months, integrating with 20+ internal and external systems and FICO Blaze Advisor. The solution validates and routes applications, provides queue-management and dashboards, and was rolled out by channel; it now handles the same high volume with credit decisions in under five minutes, enables faster fixes and phased deployments, and improves real-time approvals, customer satisfaction, and profitability.