Banking
- Report - Sep 9, 2025
Modern consumer lending for a fast moving world: Six essential trends
Mambu’s global report explores six key trends shaping the world of consumer lending and the future-proof solutions to align with each of them.
Lending
Consumer lending
As a business, launch new personal lending products faster, automate operations, and deliver seamless borrower journeys on a configurable, cloud-native lending engine.
Trusted by the world's biggest lenders
The modern borrower
Consumers expect instant decisions, clear terms, and seamless journeys
Legacy platforms delay launches and add operational complexity. Mambu enables lending that adapts as fast as modern borrower expectations.
Why lenders choose Mambu for consumer lending
Consumer lending demands a platform that can evolve continuously without re-engineering products, processes, or integrations.
Launch faster
Launch consumer loan products in days using low-code configuration and reusable product structures.
Reduce manual effort
Automate disbursement, repayment, arrears, refinancing, and reporting to reduce manual work by up to 50%.
Deliver more
Enable faster credit decisions, transparent loan terms, flexible repayments, and real-time servicing across digital journeys.
Consumer lending
All you need to build better lending experiences
Configure products, manage the full lifecycle, and connect front-end journeys with back-office servicing all on a single lending platform.
Capabilities
Flexible configuration
- Secured and unsecured personal loans
- Micro-loans, cash advances, payday loans
- Configurable interest rules, fees, schedules, penalties
- Payment holidays and product variations
Lifecycle
Full lifecycle control
- Instant and scheduled disbursement
- Automated repayment and arrears handling
- Refinancing, rescheduling, and loan closure
- Built-in reporting and audit trails
Integration
API-first architecture
- REST APIs to orchestrate journeys
- Event-driven workflows
- Integration with digital channels
- KYC/AML, CRM, accounting, and core systems
Payments
Payment-ready workflows
- Payment orders scheduled in the lending engine
- Execution via the Payments hub
- Automated collections and mandate management
- End-to-end reconciliation
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
Lending products
One platform. Multiple lending models.
Operate consumer, business, embedded, and mortgage lending on a single platform, and scale across products, markets, and use cases.
Business lending
Support small, medium, and enterprise business lending with flexible product structures and full lifecycle control.
Purchase finance
Power BNPL, POS, and embedded lending journeys with real-time decisioning and scalable workflows.
Retail mortgages
Manage diverse mortgage products with robust servicing, collateral tracking, and regulatory oversight.
Insights
Resources to help you lend smarter
Let's get started
Move forward
with Mambu
Clear next steps for organisations ready to modernise, scale, and build the future of finance with confidence.
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