Our core product is a flexible and robust Loan Management System that captures the entire lending process and handles any challenges posed by lending products. It supports everything from fast moving, scoring-driven retail loans to complex corporate loans with structured monitoring and collection tasks.

Our light version of the Loan Management System comes with predefined workflows and simple decision mechanisms. It serves as an entry point for smaller banks and microfinance institutions, with the ability to expand to a full Loan Management System over time.

Customer interaction occurs through various channels, including internet banking, apps, wallets, and embedded finance.
Simultaneously, branches and bank agents use field applications for an integrated product offering. Q-Lana and its partners cover all your needs in this area.

SME lending is considered one of the most interesting and challenging areas of lending. Q-Lana’s Loan Management System guides you through these challenges. Our portal solutions support SMEs and smaller companies with online accounting, business planning, and marketing tools.

Q-Lana has integrated scoring/rating modules that are configurable for multiple stages, such as pre-disbursement assessment or monitoring rating. Models can be heuristic or statistical and may include components of machine learning and alternative data analysis. Q-Lana’s team supports the calibration and updates.

Our platform provides access to all modern risk management tools and concepts for qualitative and quantitative assessment. We support the development of vintage and migration analysis, a sophisticated Early Warning System with covenant monitoring, calculation of RAROC, ECL, and economic capital, and other credit risk models.

Q-Lana’s Loan Management System and Banking Platform are ideally positioned to support financial institutions striving for customer-centric banking. The platform transparently visualizes exposures and business activities, combining them with public and private information to derive and support customer journeys. 

We are integrating AI into our platform, leveraging private and public information as well as access to numerous data sources. This will enable our customers to achieve significant advancements in risk management and customer-centric banking.

Q-Lana’s ESG Self-Assessment Platform is an ideal entry point for small entrepreneurs and SMEs to conduct initial ESG assessments, particularly in developing economies where the demand for such data is increasing, but structured information gathering is lacking.

Together with our subsidiary, Q-Lana Investment Advisors, we are developing innovative forms of Risk Sharing Funds and tools

Providing advisory services to our clients is a key success factor. The Q-Lana team offers an ideal combination of subject matter expertise, development skills, and analytical background. Over the years, we have conducted over 100 advisory projects. Recent works include:

• Setting up a Data Analytics and Data Science framework
• Assessing credit risks in loan portfolios
• Developing rating and scoring tools
• Implementing entire risk management frameworks, including policies and procedures, reports, and monitoring activities
• Product development in leasing, trade finance, and SME lending