Uno Digital Bank has successfully deployed Pennant Technologies’ pennApps Lending Factory Loan Management System (LMS) as part of a strategic move to modernize and streamline its lending operations. This implementation marks a significant step in the bank’s efforts to navigate growing operational complexities, dynamic regulatory requirements, and the evolving expectations of digital-first borrowers.
Designed to support a broad spectrum of lending products, the LMS offers robust customization features that enable Uno Digital Bank to cater to diverse customer needs. With its advanced automation and modular architecture, the platform facilitates end-to-end loan management—from origination to servicing and collections—while enhancing speed, accuracy, and compliance.
Kalidas Ghose, Co-Founder and Chairman of Uno Digital Bank, remarked,
“At Uno Digital Bank, we are always looking for ways to innovate and enhance our service offerings. The implementation of pennApps Lending Factory represents a key step in our mission to deliver a best-in-class borrowing experience. The new system has not only streamlined our operations but also elevated customer experience, helping us meet the diverse needs of our customers.”
The LMS empowers Uno Digital Bank to rapidly launch new loan products, improve operational flexibility, and scale its loan portfolio. With integrated reporting tools and real-time analytics, the system offers actionable insights to support data-driven decision-making and continuous process optimization.
Multi-channel loan disbursement capabilities further enhance borrower convenience, while automation features minimize manual intervention and mitigate operational risk. The platform also supports strategic collaboration with financial ecosystem partners, enabling Uno Digital Bank to pursue new revenue streams and integrated offerings through marketplaces and allied platforms.
Rama Krishna Raju, Founding Director and CEO of Pennant Technologies, added,
“We are thrilled at the successful implementation of our future-ready Loan Management System at Uno Digital Bank. With features like repayment flexibility, seamless restructuring, and automated interest recalculations, the platform ensures that the bank can deliver highly personalized solutions with minimal risk. We look forward to supporting Uno’s growth and innovation journey.”
Built on a composable, technology-agnostic framework, the pennApps Lending Factory LMS is engineered for rapid customisation, scalability, and future-readiness. The platform is currently in use by several financial institutions globally and has received recognition from industry analysts and associations for its functionality and performance.
Operating under the Digital Banking Licence issued by the Bangko Sentral ng Pilipinas, Uno Digital Bank continues to expand its footprint in the Philippines’ digital financial services space by offering innovative, customer-centric solutions.
