Trends
- Article - Jul 17, 2023
Tech-driven lending: trends & opportunities
Despite the pandemic, macroeconomic challenges, and the potential for a recession, personal lenders remain increasingly popular.
Lending engine
The future
of lending
Build, launch, and scale modern lending products on a cloud-native, composable platform designed to adapt across markets, models, and customer needs.
Trusted by leading lenders around the world
The legacy challenge
Modern lending outpaces traditional systems
Mambu replaces rigid lending systems with a configurable core that accelerates product launches, simplifies product changes, and connects the full lending lifecycle.
Launch, modernise, and scale modern lending
Design, launch, and manage modern lending products without legacy constraints.
Launch lending products fast
Build new products in days, not months. Configure product rules, pricing, terms & conditions and workflows once, and easily reuse or adapt them across your portfolio and customer segments.
Configure any product with ease
From simple to sophisticated lending products. Update terms, interest models, fees, schedules, and repayment logic. Teams can adjust products confidently as markets, and customer needs evolve.
Connect lending journeys
Integrate onboarding, KYC, decisioning, payments, servicing, and CRM through an API-first approach to support end-to-end lending journeys through our extensive partner ecosystem.
Lending with Mambu
One platform. Multiple lending models.
Run consumer, business, embedded, and mortgage lending on a single, configurable lending platform designed for every product, every journey, every borrower.
Consumer Lending
Build and run flexible consumer lending products that adapt easily to changing customer needs and regulations.
Flexible product configuration
Set terms, interest, fees, schedules, and repayment logic to support a wide range of consumer loan products.
Automated lifecycle management
Automate workflows from origination through servicing, arrears, and collections.
Secured and unsecured lending
Oversee and support and secured and unsecured consumer lending loans on one single platform.
Business Lending
Support SME and business lending with varying levels of complexity, collateral structures, and financing models.
Adaptable lending structures
Configure secured and unsecured SME loans with flexible terms and collateral models.
Dynamic pricing and fees
Apply interest and fee structures that reflect risk, behaviour, conditions and strategy.
Loan lifecycle management
Support refinancing, restructuring, credit arrangements and lifecycle changes as needed.
Purchase Finance
Power financing at point of sale, BNPL journeys and embedded lending built for speed, volume, and scale.
Flexible instalment models
Offer multiple repayment schedules and pricing options.
Instant decisioning
Enable real-time lending decisions at checkout and point of sale.
Built for high volumes
Support sizeable transactions without compromising performance.
Retail Mortgages
Build and run diverse mortgage offerings with flexible term structures and complete lifecycle management, from onboarding to closure.
Multiple mortgage types
Ensure repayment, interest-only, fixed, variable, offset mortgages.
End-to-end lifecycle support
Manage mortgages from origination to repayment and closure.
Collateral and compliance support
Track collateral and align with regulatory requirements.
Lending in practice
Buy Now, Pay Later
Launch BNPL and instalment products with a robust and secure infrastructure.
Embedded lending
Insert directly into customer journeys creating integrated end-to-end solutions.
Banking as a Service
Support BaaS models to launch, embed, and monetise financial services.
Why lenders choose Mambu
Configurable
Configure lending products through rules and parameters rather than custom code, to move products from idea to launch fast.
Composable
Integrate the services and partners you choose and change them over time without lock-in or monolithic constraints.
Built to scale
Support growing transaction volumes, portfolios, and markets with consistent performance and reliability.
Customer stories
Leading brands build
the future of finance with Mambu
Launched a new personal lending app, Presto, in months — modernising lending for one of Spain’s largest, ECB-supervised banking groups.
10
Top 10 FI’s
in Spain
8
months
to market
200k
customers
within 5 years
Ecosystem
Composable
by design
Mambu sits at the core of your banking stack. Connect onboarding, KYC, scoring, payments, CRM, and servicing tools to orchestrate end-to-end journeys without lock-in.
Insights
Insights for the future of Lending
Let's get started
Ready to take
the next step?
Contact us to modernise, scale, and build the
future of finance with confidence
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