Case Study: tbi bank achieves real-time, scalable lending decisions with Provenir

tbi bank Delivers the Convenience, Speed and Personalization Customers Require

tbi bank, a mobile-first challenger bank in South East Europe, needed a modern risk decision engine to support its fast-growing consumer lending business and deliver the speed, convenience, and personalization customers expect. The bank was looking for a way to automate credit assessment and keep pace with rising application volumes without adding significant underwriting headcount or relying on costly IT changes.

Provenir provided the decisioning platform used to automate tbi bank’s credit assessment process, with low-code configuration, integration support, and consulting services to help tailor the solution to the bank’s needs. As a result, tbi bank can make real-time lending decisions at scale, process more than 7 million applications annually with no downtime, and implement underwriting changes in minutes to hours, representing a 1,400% capacity improvement.

tbi bank

Costin Mincovici

Chief Credit Officer