MIDBank – Egypt

Solution

To enhance its lending services, MIDBank implemented a fully digital Loan Origination System (LOS) for Retail and SME segments, built on IBM Cloud Pak for Business Automation. The solution included business rules management, workflow automation, and case management tools to digitize every step of the loan lifecycle—from application to disbursement. Integration with credit bureaus and core systems ensured real-time scoring and decisioning.

Benefits

• Loan processing time reduced from 10+ days to under 48 hours
• Increased transparency with real-time application tracking
• Reduced manual approvals with automated decision engines
• Enhanced customer satisfaction and reduced drop-off rates
• Consistent compliance through rule-based validation

ROI

• 65% reduction in loan processing costs
• 3x increase in monthly loan application throughput
• ROI achieved in the first year due to faster turnaround and increased loan disbursements