SME lending transformation with Digital Origination

How Raiffeisen Bank International accelerated SME lending with a modern omnichannel platform

Digital Origination is a modern omnichannel origination platform used by Raiffeisen Bank International to transform SME lending journeys.
It connects digital and assisted channels, embeds risk governance, and enables faster decisions while maintaining full credit policy control.

Together with the bank, we introduced a unified origination approach supporting both fast-track automation and complex high-ticket SME deals.
At its core is a decision engine ensuring consistent group credit policy while addressing specific local requirements.

A standardized data model and reliance on group APIs accelerated implementation and enabled rapid onboarding of new markets.
Today, Digital Origination runs in production across six markets within the group.

Measurable impact on SME lending performance

Decision time
(Time to Yes)

Drastically reduced to an astonishing 5 minutes, enabling rapid credit decisions and improved customer service.

Disbursement Time
(Time to Cash)

Slashed to a mere 16 minutes, providing SMEs with quick access to the funds they need.

Fields Asked from
Customers

Significantly streamlined to just 2, simplifying the application process and enhancing the customer experience.

Processing
Cost

Markedly dropped by an impressive 90%, contributing to enhanced operational efficiency and cost savings.

Client’s testimony

“Our collaboration with ASEE is at the heart of our successful transformation in SME lending. The company’s extensive experience in delivering banking solutions globally and its deep insights into the SEE market have been invaluable. They have been a reliable partner, bringing a wealth of expertise.
Their proven track record in delivering innovative solutions has given us confidence in the project’s success. The Digital Origination solution has not only met our specific requirements but also allowed local market customizations, making it a perfect fit for our needs.

With their support, we’ve been able to provide consistent and efficient banking experience for SMEs across multiple countries. This partnership has been instrumental in shaping the future of our SME lending operations and is a testament to the power of collaboration and innovation”.

Balazs Topor, SME Loan Group Product Owner, RBI

Core capabilities behind the transformation

Automated limit calculation

Ability to configure multiple limits and automatically calculate them based on financial reports from several years, weighted averages of financial indicators, obligations taken from the саге system and credit bureau, and other inputs relevant for the logic.

Real-time
process agility

Flexible process engine, based on BPMN 2.0 process definitions interpreted in runtime. This allows fast time to market for any process modifications including customer journey, integration points, and data manipulation scripts.

Cloud-native architecture

Application composed of microservices deployed as containers оп Kubernetes infrastructure, on a public or private (on-premise) cloud.

Decoupled risk assessment

Standalone decision engine that can execute credit assessment (including limit calculation and credit policy rules) as part of loan application or out of the application context, from Digital Origination process or from a 3rd party solution. For example, it can bе run in a batch for a group of customers and may bе used as а source for а campaign offering pre-approved loans .

Genuine omni-channel approach

Service and process logic is fully reused across different channels, respecting the specifics of each channel.

Seamless
integration

Rapid development of integration points on serverless platforms and their inclusion in the process. Easy adoption of the bank standard service landscape.

Flexible
product catalog

Fully configurable product definition with channel-supporting features. It is easy to set up products according to local bank needs, which are in line with the RBI Group Product Cata log, ensuring a short time to market.

Consistent, flexible and transparent pricing

Instant, dynamic price calculation based on flexible rules, consistently applied and transparently presented. For example, it is important to offer the same product at a better price for customers with better ratings or to offer different prices for different loan amounts or terms.

What this means for your bank

  • Launch SME lending journeys across online and branch channels from one platform
  • Automate standard cases while enabling expert-driven risk decisions for complex deals
  • Integrate external data providers and internal systems without rebuilding the core landscape
  • Maintain transparent pricing and credit governance throughout the process

Talk to an expert

Discuss your use case, products and markets with our Digital Banking team.