01
Application intake
Capture applications across digital channels, validate customer data and assess eligibility before triggering external checks.
Loan decision in under one minute
Automate application assessment, verification and document validation to deliver faster credit decisions while keeping operational costs under control.
Loan Processing
From application to funding, automatically
A staged processing engine assesses applications efficiently, avoids unnecessary external checks and keeps decisioning consistent and auditable.
02
Credit decisioning
Verify customer information, assess affordability and automate decisioning, routing complex cases for manual review.
03
Loan funding
Generate contracts, capture acceptance and automate fund disbursement, with every action recorded for audit.
Lending orchestration
Connect rules, workflows and third-party services to automate processing, enable straight-through processing and route exceptions for human review.
Integrations
Pre-built integrations
Connect external services directly into the lending journey to automate verification, assessment and loan completion.
Credit bureaus
Retrieve credit scores and history for automated assessment
Identity and KYC
Verify customer identity and support compliance requirements
Account verification
Confirm account ownership and validate account details
Digital signatures
Complete loan agreements digitally before disbursement
Credit Scoring
Flexible scoring strategies
Use your own scoring models or external credit bureau scores as part of the credit assessment.
Proprietary scoring
Connect internal scoring engines or predictive models through APIs.
Third-party scoring
Use external credit bureau scores, such as Experian or BKR, in credit assessment.
Platform Benefits
What this delivers
Faster loan decisions
Higher straight-through processing
Lower third-party processing costs
Flexible credit scoring strategies
Consistent decisioning across applications
See Ohpen in Action
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Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.