ApPello’s front-office solution helps you improve the level of service offered to customers by simplifying, automating and speeding up the onboarding process and improving the customer experience. By offering a high level of service and personalized communication, you will improve your customer retention and loyalty.

A smart and up to date self-service provide can reduce your costs and raise your profitability level. ApPello’s intuitive, white-label customer portal provides superior customer experience with its fully responsive design, up-to-date web technologies and its functions and features.

The aim of the portal is helping new clients to perceive the entire journey as a single process, despite the verifications and the other tasks that are performed in the background.

  • Configurable and ready-to-use front-end
  • Offers multi-factor authentication
  • Captures customers’ data and identification documents
  • Performs OCR on identification documents to enhance user experience
  • Performs basic AML/CTF background checks
  • Provides electronic signature services
  • Manages the exchange of documents between the bank and the customer
  • Supports extensive banking services such as loan origination of ApPello or 3rd party
  • Enables video chat, message boards and chatbots
  • Enhanced client experience by personalising offers, fees and rates
  • Higher conversion rate
  • Faster and more accurate credit decisions using integrated decision engine
  • Increased customer touchpoints without increasing capacity
  • Increased revenue by improving application completion rates
  • Reduced Cost/Income ratio
  • Competitive edge on the market
  • Advanced analytics creates upsell and cross-sell opportunities
  • Advanced photo and video facial recognition

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Faster and flexible access

to banking services

With a strong onboarding platform, we are able to gather easily all the required information from customers and we are able to better understand their needs, in order to proactively recommend the most relevant products for them.


ApPello’s technology can facilitate financial services consumption as we can present the most relevant products to the customers and we can also assist them with better and relevant information about each service.





Innovative and reinforce

brand image

In today’s world, the clients tend to have a hop-on hop-off behaviour when it comes to financial services and this is because customers search for the best service available.


If a financial institution has a very good cash loan product, many clients will apply for that product, but the same client might get a mortgage or a savings product from a different bank.


So, with this in mind, today’s challenge is to become the preferred financial institution for the customers and the best way to do this, is to be perceived as being innovative and offer hyper-personalized products across all offerings.

For Retail,

Corporate & SME

With its highly customisable digital approach, the Portal can serve all client segments according to their needs. No matter if personal loan for retail or working capital financing for SME, the loan products, the process, the screens and printouts can be tailored according to the segment’s needs while the integrated workflow drives execution.







ApPello Portal automatizes the process with document uploading, making the entire process paperless and free of red tap. It has never been so easy to specify document requirements.


Additionally, the portal delivers the prepared proposals, contracts, etc. to the client. With the help of document management functionality, the storage, retrieval, search and construction of documents are very easy. Integrated digital sig- nature completes the paperless process.


cost / income ratio

Form-filling costs time for both customers and bank employees. Customers might be asked to re-enter information they may have already provided via another channel and the bank employees might have to input the same infor- mation into other systems.


As a result, employee’s and the customer’s time are wasted on unnecessary data entry. Also increasing the possibilities of human error. From customer acquisition and operations perspec- tive, this makes no sense.

Re-designing the customer onboarding with ApPello’s platform will help reducing the processing time and cost through process optimization.






customer experience

Nearly 40 percent of customers think that a poor online experience is the number one reason that make them abandon an online application.


ApPello’s Digital Onboarding enables a hyper-personalized customer experience by putting together all the data available about a customer.


Also, configurable workflow and business rule engine allows the bank to optimise the level of automation creating an excellent customer experience.

Facial check

photo & video

Images and data are extracted from identity documents using machine learning and then compared to a selfie taken by the user.


In addition to extracting images and data from identity documents, the facial check with video provides added security. The user films themselves repeating numbers and performing randomised movements.


ApPello solution is already integrated with KYC solutions but it is also possible to build an integ- ration with an already existing application used by the Bank.



Digital Loan Origination
The ApPello Loan Origination System is able to cover the whole loan process from the first customer request until the disbursement and also offers a perfect solution in case of Retail (including mortgage, unsecured and consumer finance) or non-retail (Corporate and SME) segments.
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