Configurable products
Terms, fees, interest and workflows configured per product without a code release.
DataGnu / Products / Lending Management
Lending management for the full loan lifecycle.
One platform for lenders: onboarding, KYC, credit vetting, affordability, fraud, collections, disbursements and regulatory reporting.
The problem
One system for the whole lending operation.
Most lenders run six systems and reconcile by hand. This is one customer record, one decision trail, one reporting surface.
The loan lifecycle
- 01Customer onboardingDigital application capture across web, mobile and assisted channels, with document upload and consent.
- 02KYC & verificationIdentity verification, document validation, sanctions and PEP screening — captured once and reused.
- 03Credit vettingBureau enquiries, scorecards and policy rules in a decision engine your credit team can change.
- 04AffordabilityIncome and expense assessment from bank statements and payslips, tested against NCA requirements.
- 05FraudIdentity, device, banking and behavioural signals, with a case queue for the analysts who work them.
- 06DisbursementsPayout instruction, bank verification, execution and reconciliation, with approvals on every rand.
- 07CollectionsDebit order and DebiCheck handling, arrears strategies segmented by risk, and restructures.
- 08Regulatory reportingSubmissions generated from the same records that made the decisions.
Regulatory reporting
Regulatory reporting for South Africa.
The obligations shape the data model, so submissions come from source rather than being reassembled.
| Body | What it covers | How the platform supports it |
|---|---|---|
| FIC | Financial Intelligence Centre — AML/CFT obligations | Customer due diligence records, risk rating, screening outcomes and the transaction data behind regulatory reporting, retained with a full audit trail. |
| NCR | National Credit Regulator — NCA compliance | Affordability assessments evidenced per application, disclosure and quotation records, cost-of-credit limits enforced in policy, and statutory returns. |
| SACRRA | Credit bureau data submission | Layout-compliant submission files generated from live account and payment data, with validation and rejection handling before anything is sent. |
| FSCA | Financial Sector Conduct Authority — market conduct | Complaint handling, treating-customers-fairly evidence, disclosure records and conduct reporting drawn from the operational record. |
Obligations differ by licence category and product. We configure the platform against your specific licence conditions during implementation.
Underneath
Platform capabilities
Explainable decisions
Every automated decision stores its inputs, the policy version applied and the outcome. Reproducible months later, which matters when someone asks.
Open integrations
APIs and webhooks for bureaus, banking, payments, identity providers and your existing core, with sandbox environments for each.
POPIA by design
Consent capture, purpose limitation, retention rules and subject access handled in the platform rather than promised in a policy document.
Role-based control
Segregation of duties, maker-checker on sensitive actions, and an immutable audit log across every user and system action.
Deployment choice
Managed on our cloud, or deployed into your own AWS, Azure or Google Cloud account.