FINANCIAL SERVICES
Modernize Loan Origination
Increase agility with SMARTS™ decision management
Key Benefits:
- Modify credit decisions and launch new products faster
- Operationalize AI, machine learning, and deep learning models
- Reduce operational costs while delivering a better customer experience
- Improve the quality and consistency of risk decisions
- Increase flexibility, scalability, and transparency
Manage Complexity with SMARTS™
Legacy Loan Origination Software and Systems Need an Upgrade
Increasing competition, regulatory activity, consumer expectations, and remote workforce is pushing their loan origination systems to their limits. While LOS have enabled financial services firms to create a single source of truth, automate processes, and manage the entire loan lifecycle, many firms are finding that their system has become too inflexible and costly to maintain. Modifying risk decisions often requires significant IT resources, preventing firms from adapting quickly to regulatory changes and capitalizing on new market opportunities such as Buy Now, Pay Later. In addition, the underlying code that automates risk and other operational decisions are often inaccessible or incomprehensible by the business analysts that manage these decisions. As a result, redundancies and errors accumulate over time.
The SMARTS™ Path to Next-Gen Digital Transformation for Financial Services
SMARTS™ is a modern, enterprise-level, application-agnostic, decision-management platform that enables non-technical analysts and SMEs to easily automate, manage, and continuously improve business-critical decisions in daily operations, whether explicit or AI-driven, with minimal IT resources. Whether you’re a fintech startup or established bank, credit union, or alternative lender, SMARTS™ enables you to strategically augment your loan origination system through a microservices approach. Quickly start with one application and easily expand into other applications across the organization.
Applications include:
- 1:1 Marketing
- Prescreening
- KYC and AML
- Fraud Detection
- Loan Origination and Underwriting
- Upselling & Cross-Selling
- Collections & Recovery
- Customer Management
- Compliance
What If You Could Reduce Your Development Cycle by 90%?
WeShare Finance is a leading fintech that desired to modernize their risk management process for their consumer loan products. Through SMARTS™, they were able to achieve the following:
- Enable business experts to manage over 90% of their business rules without IT
- Save 80% in maintenance costs
- Shorten development cycle by 90%
- Significantly increase origination volume
FEATURED BLOG POSTS
Sparkling Logic Recognized in AIFinTech100 2026 List
July 7, 2026
Sparkling Logic has been recognized by FinTech Global as one of the leading AI innovators in financial services in their AIFinTech100 2026 list.
How to Choose a Rules Engine for Financial Services Compliance
Financial institutions rely on financial services compliance as a crucial component of daily operations. Rules engines help compliance teams manage regulatory compliance by turning policies and requirements into structured decision logic that teams can test, reuse,...
What Decision Experts Have to Say About AI
A panel of decision experts, including Sparkling Logic CTO, Carlos Serrano-Morales, gathered at DecisionCAMP 2025 to discuss the impact of AI on business decision-making and work. You can find the recording of the whole discussion here. Here are highlights of what...