Direct-to-Customer Digital Lending
Digitize & Automate Your
Direct-to-Customer Lending
Seamlessly embed your loans into your own app and website – so you can lend to new and existing customers with the speed, ease and convenience they expect.
90%
of next-gen borrowers want a digital end-to-end lending process.*
* Mastercard
Digitize and automate your customer onboarding and DTC lending processes
Effortlessly onboard new customers and serve existing ones with real-time access to your consumer and commercial loans – fully digitized, fully automated, always accessible.
Our white-label lending platform gives you all the components required to digitize and automate your direct-to-consumer and direct-to-business lending and onboarding workflows – with a modular architecture that integrates with your existing tech stack and lets you choose only what you actually need.
What is Direct-to-Customer Digital Lending?
Digital lending through a bank’s direct-to-customer channels
(app, website)
Serves both existing customers and new-to-bank prospects
Applies to both direct-to-consumer and direct-to-business lending
Seamlessly Integrates into Your Own Digital Channels
Bank App
Serve existing customers with pre-approved, personalized, in-app loan offers
Bank Website
Convert new-to-bank customers with seamless digital onboarding, automated lending workflows and real-time approvals
Without
a digital lending solution
Manual loan processing & workflows
High delinquency rates
Manual new-to-bank onboarding (especially for SMBs)
Limited access to services outside business hours
Slow loan decisions
Missed opportunities in lending to existing customers
With
a digital lending solution
Automated origination and disbursement across digital channels
Smarter, data-driven underwriting
Streamlined digital onboarding for consumers and businesses
24/7 loan access via website and bank app
Real-time approvals that meet customer expectations
Seamless digital access to tailored, pre-approved financial products
We Power Direct-to-Customer Digital Lending for Top-Tier Banks
The Jifiti team is genuinely a pleasure to work with – professional, approachable, and supportive.
Top 3 Bank in Spain
Why Partner with Jifiti for DTC Digital Lending
White-labeled UX in your brand
Integrates with your existing systems
Includes all required third-party services (KYC/KYB, open banking, e-sign, etc.)
Full regulatory and data compliance (SOC2, GDPR, etc.)
Accelerated time-to-market
Robust, modular infrastructure
Seamlessly embeds your loans into any of your digital channels
Supports any consumer and business loan program
Built for scale across markets, channels & loan options
Full data ownership and risk control
One Modular Lending Platform to Power it All
Enhance your infrastructure with the components you need to power digital, automated lending:
- Customer access points
- Core lending capabilities
- Automated disbursement & settlement
- Reporting & lender tools
How it works
APIs plug our platform into your existing infrastructure
Customer journeys tailored to your loan product and UX
Modular core lending capabilities for end-to-end digital lending workflows
Real-time orchestration of credit scoring, KYC/KYB, ID verification, disbursement and more
Dashboards for data visibility across every stage of the lending lifecycle
Interested in a direct-to-customer digital lending solution?
FAQs: Direct-to-Customer Digital Lending
What is direct-to-customer digital lending?
Direct-to-customer digital lending enables banks and lenders to offer loans directly through their own digital channels, including websites, mobile apps, email campaigns, and online banking environments.
What types of loans can be offered digitally?
Banks and lenders can offer installment loans, lines of credit, BNPL, personal loans, and business financing through digital lending channels.
Can customers apply for loans through mobile banking apps?
Yes. Digital lending platforms enable banks to offer fully digital loan applications through mobile banking apps and online banking channels.
How can banks offer instant digital loans?
Banks can offer instant digital loans through automated lending journeys that enable borrowers to apply, receive decisions, and access funds online or through mobile channels in real time.
How does digital lending improve loan conversion rates?
Digital lending reduces friction in the borrowing journey by simplifying applications, shortening approval times, and enabling customers to access financing when and where they need it.
Why are banks investing in digital lending?
Banks are investing in digital lending to meet changing customer expectations, compete with fintechs, reduce operational costs, and expand loan accessibility beyond branches.
