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The AI-poweredlending platformfor banks.

Origination, servicing and collections on one platform, with an AI assistant built in. Banks have trusted us with their lending since 1998.

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Trusted by 30+ banks, including

Discover what we do.

Forty-six seconds on what we build, who we build it for, and where AI fits into a bank's lending.

The complete credit journey. One platform.

Origination, servicing and collections on one cloud-native platform, for every segment and for banks of every size. Start with one solution, or connect them into one lending ecosystem.

OriginationConsumer, SME & corporate ServicingLoans, collateral, valuation CollectionsEarly warning to recovery AI across every stepAI decisioning & financial statement importHands-Off AI Assistant & document processingAI early-warning signals & collection strategies

Origination

From the first application to a signed contract.

Pre-approved personal loan offer on a phone

Consumer Loan OriginationUnsecured loans and mortgages with digital journeys on every channel.→

Commercial credit proposal with group exposure

Commercial LendingCorporate loans with complex products and company group structures.→ Application #48213Retail

Credit score712
Debt-to-income31%
Fraud screeningClear
Policy rules14 / 14

ApprovedDecided in 0.4 s Decision EngineAutomated decisions for pre-screening, scoring, monitoring and collection.→

Servicing

Everything that happens while the loan is running.

Mortgage #2201Performing €182,400outstanding · 214 instalments left Next instalment€1,146 · 15 Dec Loan Management SystemRuns the portfolio after disbursement and adapts as products change.→

Exposure linked to a mortgage and an asset with 112% coverage

Loan Collateral ManagementThe full collateral lifecycle, from modelling to valuation and allocation.→ Client #552024/7

EURCurrent1,240,500.00
HUFSavings48,200,000
CZKDeposit3,150,000

Interest today+€12.84 Account ManagementMulti-currency accounts and balances, with full interest calculation, around the clock.→

Import letter of credit€2.4M HamburgBudapest

Bill of lading
Commercial invoice
Insurance certificate

IssuedDocumentsPayment Trade FinanceDocumentary transactions for export and import, with every related event.→ Teller 04 · DrawerBalanced

€50012
€20040
€10085
€50140
€20210
€1096

Cash position€34,660 Cashier SystemCash handling, customer transactions and internal cash movements in one system.→

Property on a map with an automated valuation of €312,000

Valuator ToolReal estate valuation for every client sector, with several calculation methods.→

Collections

Catch the early signs, then take the right step.

Client #7781 · Risk scoreWatch list Salary inflow missing2 months · sent for review Early Warning & MonitoringSpots repayment problems early, so your team can step in in time.→

Collection cases moving from soft to restructuring to hard collection

Debt CollectionNon-performing loans handled from the first warning sign to hard collection.→

AI

Built into the platform, used across every stage.

AI configuration assistant preparing a workflow step, a screen and a rule

Hands-Off AI AssistantAnswers questions, guides your teams and configures the platform. You approve every change.→ PD model v3In production AUC 0.86

Payment history
Income stability
Utilisation
Account tenure

AI Modeling ToolModern AI prediction models for credit risk, from data upload to predictions.→

One platform underneath it all.

Agent-only tools automate isolated tasks on top of existing systems. ApPello puts AI inside the platform that actually runs the lending process, where data, workflows, decisioning, integrations and business rules already work together.

Business rulesChange limits, pricing and policies without a development cycle.
IntegrationsCore banking, credit bureaus and document sources, connected.
DecisioningScoring and policy decisions, each one explainable.
WorkflowsEvery step of the process, modelled and tracked.
DataOne data model from origination to collections.
AIThe Hands-Off AI Assistant reaches every layer.

Explore the platform →

Built for regulated banking. Every ApPello solution is

DORA-friendly
CCD2-ready
Basel III/IV-ready
Powered by explainable AI
Cloud-native and low-code
Core-agnostic
Auditable by design
ISO 9001 · 14001 · 27001 certified

Lending that understands, guides and configures.

Built into the ApPello platform. It answers questions from live data, walks your teams through tasks step by step, and builds screens, rules and workflows from a description. Nothing goes live until you approve it.

Meet the assistant →

Hands-Off AI AssistantExample conversation