IntelligentCreditAutomation

LoandemandinArgentinawasgrowingfast.Santanderneededtoscaleoriginationandapprovalswithoutsacrificingcustomerexperienceoroperationalcontrol.

+ 0 M USD

Loandecisionsatthepointofsale

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CHALLENGE

Thechallengewastoabsorbaspikeindemandwhilekeepingresponsetimesinminutes,notdays.

Theyalsoneededtoincreasethroughput,improvetheexperienceatdealerships,andensureend-to-endoperationalcompliance.

SOLUTION

Weturnedloanoriginationintoapoint-of-saleexperience:decisionsin20minutesandfundsreadyin48–72hours.

Salesagentscapturetheapplicationatthepointofsale;dataisvalidatedinstantlyandverifications,scoring,andcreditpoliciesaretriggeredautomatically.Inlessthan20minutes,thecustomerreceivesadecisionandtheloanisreadyfordisbursementwithin48–72hours.

Themodelscalestomotorcycles,trucks,andotherfinancingproducts.

IMPACT

0 min

Decisionsatthepointofsale

0 M

Newloanoriginationperday

0 k

Loansin2024

Theoutcomesweresignificantacrossmultiplefronts:

350+ applications processed per day without sacrificing quality or control.

Approval cycle reduced from up to 7 weeks to ~20 minutes at the point of sale.

Higher conversion rates and faster onboarding of new customers.

Proven scale: from 10,000 loans (2020) to 400,000+ (2024), with 1M+ projected.

Improved NPS and talent usage: people focused on high-value tasks, the platform on repeatable work.