The Client

One of the largest universal banks in Malaysia, particularly strong in retail banking.

The Challenge

Average drawdown time for mortgage loans took more than 110 days


High Operating Costs
Manual Processes

Theta’s solutions designed to…

  • 100% automate pre-credit screening & 100% integration to Central Credit Bureau and 3rd – party credit databases
  • 100% automate workflow processes with rule-based engines
  • 100% integration with the bank’s existing system to achieve paperless, straight-through processing
  • Decentralised sales & approval functions and centralised credit, documentation and disbursement functions, enabling the bank’s customers to experience quicker loan approvals, even instantaneously in applicable cases


50% reduction in turnaround time from loan application to loan disbursement

Increased market share in mortgage lending

Substantial improvements in operational efficiencies for the bank, reducing operating costs and increasing sales capacity of the bank’s loan officers and branches