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Every stage of the lending lifecycle. One platform.

em/banking handles origination, management, and collections across consumer, SME, and corporate segments — in one connected system, built for your market.

150+

customers served

€20B+

annual volume

11

countries

99.9%

uptime

/em/banking

Three modules. One platform.
Built to learn.

Origination, management, and collections — take the one that fixes what hurts most, or run all three for the full lifecycle. Either way, the system adapts as your business does.

Extend your platform.
Unlock new funding models.

Built on em/banking, these modular extensions add new revenue channels without rebuilding your core.

/Solutions for your challenges

What's holding you back?

Launching new products takes months, not weeks.

/Go live in 8 weeks

Approval rates are too low. NPL is creeping up.

/80% approval rate · NPL <3%

/Our impact in numbers

Proven at scale.

  • <2s

    Credit decisions

  • 8 weeks

    New product launches

  • 30%

    Increase in recovery rates

  • 99.9%

    Platform uptime

Frequently asked questions

The questions collections teams always ask

Ready to see it running in your market?

Laptop with a USB key

30-minute demo tailored to your challenge. No generic walkthroughs.