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LedgerlyFintech
A digital lending journey from application to disbursement in a day
- Customer
- Lending company serving MSMEs
- Industry
- Fintech
- Timeline
- 6 months
- Year
- 2025
14 days → 18 hrs
Median time to decision
−71%
Manual data entry
+2.3×
Completed applications per month
The challenge
Loan applications arrived as scanned documents by email. Credit officers re-keyed everything by hand, approvals took up to two weeks, and good borrowers dropped off to faster competitors.
The approach
01
Journey mapping
We mapped the full borrower and officer journey and removed eleven redundant steps.
02
AI document extraction
Business permits, bank statements, and IDs are parsed automatically, with confidence scores for human review.
03
Configurable credit rules
Credit policies became versioned, testable rules instead of tribal knowledge.
04
Compliance by design
Consent capture, audit trails, and data retention aligned with the Data Privacy Act.
The solution
- Mobile-friendly borrower application with e-KYC
- Automated document reading with human review
- Configurable credit decisioning
- Officer workbench with queue management
- E-wallet and bank disbursement integrations
“ByteWave didn’t just digitize our forms — they rethought the entire journey. Our officers now spend their time on judgment, not typing.”
Ready to move your business forward?
Tell us where you want to go. We’ll show you how ByteWave gets you there — in a short, no-pressure demo.