UNDER THE HOOD Platform Architecture Five layers. One operating system. Delivered as platform, advisory, and partnership.

Inside the platform.

A view for the practitioner who wants to understand how the parts fit. The platform sits at the centre. Lifecycle, risk tools, analytical engines stacked into one computational layer. Two supporting pillars wrap underneath: advisory designs and calibrates what the platform runs; the digital transformation partnership lands the platform inside the institution.

If you are looking for the marketing view of how to engage with us, head back to the three doors. If you want to see the wiring, you are in the right place.

One operating model

Five layers. One operating system.

Each layer builds on the one below, enabling incremental development while maintaining system coherence.

Layer 1 · Data Foundation

It starts with proprietary data: the one asset competitors cannot replicate. Companies, people, collateral, facilities, and every decision, created in your own process. Enriched by connected sources: credit bureaus, the ESG platform, APIs and registries. Extended by market intelligence, in development. Every deal you process builds the asset. Why data →

Layer 2 · Core Platform (ZeroCode) Loan Management Plus · entry point

The lending lifecycle end to end: eight workflows from acquisition to special servicing, covenant and portfolio engines, documents, rating and scoring. Banks compare Q-Lana to loan management systems. Good. That is the door. Inside the Lending Process →

Layer 3 · Pillar 01
Data Management & Governance

Governance as behavior.

Eight core data domains, owners and stewards, a few quality rules ruthlessly enforced. Knowledge capture that separates facts from opinions and makes both reusable.

Inside Data Management
Layer 3 · Pillar 02
Risk Appetite & RAROC

The guardrail that operates daily.

PD, LGD, EAD, and the RAROC engine turn your Risk Appetite Framework into an active constraint at every workflow gate. The board document becomes the operating manual.

Inside Risk Analytics
Layer 3 · Pillar 03
Customer Centricity

The reason any of it exists.

Every interaction captured, every decision rationale logged. Discovery scripts and problem archetypes turn the next conversation into a solved problem and proprietary advantage.

Inside Customer Centricity
Layer 4 · AI & Intelligence

Five maturity levels, rule-based to agentic, each standing on the layers below. AI enforces methodology; it never replaces it. Every output cites its data and the rule it applied. Inside Artificial Intelligence →

Layer 5 · Smart Interfaces

The five layers become visible where decisions happen: Client 360, the RM Workspace, the Risk Dashboard, the Portfolio Manager, and the Client Portal. Everyone sees the same truth, shaped for their role. That is the operating system. Open the live demos →

Getting started

Adopt in steps, or as a whole.

Loan
Management Plus
+ Pillars
& RAROC
+ AI &
Interfaces
The SME Finance
Operating System
The lending lifecycle live on one system Appetite and pricing operational Copilots and Client 360 at work The compounding institution

Side doors exist: the ESG tool, monitoring, covenant management. Every entry lands on the same data foundation, and the flywheel starts on day one.

Talk to a practitioner. Thirty minutes.
How it is delivered

Platform, advisory, partnership. One operating discipline.

The platform sits at the centre. Lifecycle, Risk Tools, Analytical Engines stacked into one computational layer. Two supporting pillars wrap underneath: Advisory Services design and calibrate what the platform runs. The Digital Transformation Partnership lands the platform inside the institution.

Q-Lana for Financial Institutions. Five integrated services, one operating discipline. THE OPERATING SYSTEM FOR SME AND CORPORATE FINANCE Information becomes intelligence. Intelligence becomes advantage. THE Q-LANA PLATFORM Built on ZeroCode · Cloud or on-premise · Multi-currency, multi-product OFFERING 01 · LENDING LIFECYCLE COVERAGE 8 sequential workflows + 2 cross-cutting threads 01 Acquisition 02 Pre-DD 03 Due Diligence 04 Approval 05 Pre-Disb. 06 Monitoring 07 Collection 08 Special Servicing CROSS-CUTTING · Covenant Management CROSS-CUTTING · Portfolio Management OFFERING 02 · RISK MANAGEMENT TOOLS Embedded in daily operations Vintage Analysis Early Warning Systems Covenant Monitoring RAROC Expected Credit Loss Stress Testing Concentration Risk OFFERING 03 · ANALYTICAL ENGINES The computational stack. Calibrated and validated to local market. PD Probability of Default LGD Loss Given Default EAD Exposure at Default EL Expected Loss UL Unexpected Loss + Capital RAROC Risk-Adj. Return on Capital RAF Risk Appetite Framework OFFERING 04 designs & calibrates the platform Advisory Services Senior practitioners. 30+ years. 100+ institutions of experience. RAF Design Rating & Scoring RAROC Implementation EL & IFRS 9 EWS Design Covenant Calibration Process Re-design Capacity Building Eight targeted engagements across the computational stack OFFERING 05 lands the platform inside the institution Digital Transformation Partnership Long-term. Multi-year. Platform plus practice plus partners. STAGE 01 Diagnose STAGE 02 Configure STAGE 03 Integrate STAGE 04 Operate Q-Lana does not replace what works. Q-Lana sharpens it.

Now you know how the parts fit. Want to talk about which part fits you?

The architecture is the answer to how. The conversation is the answer to where to start.

Back to the three doors