Product Range

Lending platform

Do you want to build a Digital Lending Department from scratch? Or simply update a legacy module? You can find the most fitting solution from our product portfolio. 


The loan origination process is highly flexible and hence able to comply with the various needs of large corporate, SME, retail or consumer finance plus specialised lending segments.

The ApPello Loan Origination System supports the whole loan process from customer loan application to disbursement. The solution offers a seamless digital journey for customers and allows quick time-to-approval.

The solution is built on the ApPello Digital Platform, which provides the flexibility for creating new, or maintaining existing, loan origination workflows without coding or IT support.

Loan Origination

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 unsecured retail loans.

Loan Origination

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 Mortgage Retail loans.

Corporate & SME
Loan Origination

ApPello Loan Origination System for SME & Corporate clients is able to support the whole process of corporate loans.

More products related to
Loan Origination

Products related to customer acquisition and digital decision making.

Digital Onboarding &
Lending Portal

helps financial institutes to attract, onboard and retain your customers in an ever-changing business environment while increasing operational efficiency.


speeds up and automates your decisions.  It is a segment and product-independent solution that can handle various business-related decisions in a centralised platform, even the complex ones. You can easily add and update business-specific logic for any decisions. This allows you to react fast to the challenges of the turbulent banking environment with minimum risk and cost. The solution can handle pre-screening, classical scoring, monitoring, collection and any additional decision points.

ApPello’s Loan Servicing Solutions cover all necessary process of loan handling



is an open and unified core banking solution for optimizing the back-office processes to be more efficient. The heart of the solution: Current account maintenance, Saving Accounts and Loan account management is complemented by ApPello Digital Platform (Loan risk and process management) and various third party solutions. Thanks to its modularity and scalability and openness it is comprehensive and fully configurable. It is available on premise or cloud.


provides transparency of collaterals and coverage on client, segment or portfolio level. The solution supports all loan collateral related activities: activation, processing, optimal allocation to exposure.


automates end-to-end loan lifecycle processes right from creation of loan products, to disbursements until termination of the loan. The platform built of a state of the art technology provides the flexibility required to manage simple retail & SME loans to complex corporate loans efficiently. The application automates bank’s administration tasks, manages all the transactions related to the loan seamlessly resulting in greater customer experience and reduction in costs.

Real Estate

is a workflow-engine driven application to support the evaluation of the real estates and movables. 10+ different type of workflows and 5 different valuation methods supports the appraisals’ on-site and back-office processes.


system has wide range of customer Front-end and Back-end capabilities. It is designed to support all events in connection with export or import letters of credit, letters of guarantee and documentary and clean collections

Digital Debt

Are you afraid of the rise of non performing loans (increasing NPL ratio) in the near future? Do you think your Bank’s collection processes should be more effective?

Digital Debt

helps you to overcome your soft and hard collection issues.

Early Warning &

module is responsible for checking the terms & conditions of contracting and disbursement among others and for early identification of future non-performance.

We are committed to develop next-generation AI solutions for Banking

Artificial Intelligence


provides AI based support for cash movement forecasting (deposits and payouts), providing optimal amounts of cash for branches or even ATMs.

AI Engine for
Loan Risk Measurement

is a unique end-to-end modelling platform, that enables to build and deploy high performing AI models in a blink of an eye.

Our Customers'

Industry leaders on Appello

ApPello proved to be a great partner to develop digital channels to our corporate customers.
Tribe Lead,
Komercni Banka

Komercní banka decided to implement new Trade Finance software solution as well as to create a new Customer Portal to further strengthen its position as the leading provider of Trade Finance services in the Czech Republic.

After a very thorough and competitive selection process, Komercní Banka has chosen ApPello as its supplier because of the flexibility and future proof design of ApPello’s system.

The Solution was delivered on time despite some constraints caused by Covid restrictions and it meets the highest expectations of the Bank. The ApPello team was always available to address inquiries from Komercní Banka and ensured smooth implementation.

The solution is now live and we have received very positive feedback from our customers as well as from bank staff. I am pleased to confirm that ApPello has proven to be reliable, flexible and innovative partner.

Komercni Banka

Working with ApPello, we’re building a credit infrastructure that allows us to maintain our market leadership position and grow our business.
Executive Director,
Deputy CEO IT & Operating, Erste Bank

We needed a partner that could support our systems consolidation initiative in order to fuel our regional growth strategy.

We selected ApPello’s Digital Collateral and Valuator Platform because of its rich, tried & tested and specialist lending knowledge, rather than develop a system in-house or partner with other core system vendors. We greatly appreciate ApPello’s innovative approach of the delivered products, we believe we have got long term partnership with ApPello.

Erste Bank

As one of the leading players in the Hungarian housing savings and lending market, we consider it is very important to be among the leaders of business IT as well.
Member of the Board,

We place great emphasis on the selection of our IT vendors for the renewal of our systems.

Appello has proven to be a great choice, they delivered a solution to support our valuation process. Our main business goals were creating a transparent business process and reducing  lead time. Appello’s solutions, products  and the expertise of its experts have helped us to reach our business goals. The system has been delivered on time and we believe hopefully we have established the foundation of a long-term cooperation.


ApPello is a long term, trusted partner, that we could always count on.
Head of Global Banking Services, UniCredit Bank

With the shift towards supply chain finance from traditional trade, increasing compliance requirements, and accelerated expectations from corporate clients, UniCredit Bank Hungary required to deliver new capabilities and products at speed.

We found ApPello as a strong and innovative partner in this. The solution delivered was an important enabler to increase the trade finance revenues significantly by automation and scaling up our business. Alongside the Trade Finance automation, Early warning & Monitoring system supports proactive management of our credit portfolio, with that contributing ultimately to the excellent quality of our credit portfolio.
We have seen highest delivery standards and continuous drive for customer satisfaction evidenced in all our interactions.

UniCredit Bank