masBro (Bank Intidana)

Intelligent loan management system for multi-bank operations

Industry:

Fintech & banking

Location:

Southeast Asia

Duration:

2017 - 2018

Intelligent loan management system for multi-bank operations

About the client

masBro, operating under Bank Intidana, is a financial services provider focused on delivering flexible and scalable lending solutions. As the number of partner banks and loan products grew, masBro faced increasing complexity in managing loan programs, approval flows, and credit assessments across different institutions.

Each partner bank had its own lending rules, scoring models, and compliance requirements. Managing these variations within separate systems was inefficient and limited scalability. To support growth and improve risk management, masBro needed a unified yet flexible loan management platform.

Solution

Globaldev partnered with masBro to design and build an intelligent loan management software capable of supporting multiple banks within a single secure platform.

The system allows each bank to independently manage its own loan products, approval workflows, and business rules, while still operating on shared infrastructure. Loan forms and approval steps dynamically adapt to the specific requirements of each loan program, eliminating rigid, one-size-fits-all processes.

A core component of the software for loan management is an advanced credit scoring engine. It combines customer data, KYC information, historical loan behavior, and results from psychology-based questionnaires to produce more accurate credit scores. Incoming data is continuously transformed and analyzed to improve scoring quality and fraud detection.

By automating the majority of loan submission and management workflows, this online loan management system significantly reduces manual effort while improving consistency, speed, and risk control across participating banks.