PDL Power - Banking system-ERP/CRM

01. The Challenge

Financial institutions across Ukraine face a surging volume of loan applications and the need to process thousands of transactions every day. Legacy systems cannot keep pace with the scaling demands of online lending: manual verification, fragmented integrations with credit bureaus and payment providers lead to delays in fund disbursement and rising operational costs.

The absence of a unified, automated platform forces staff to spend up to 40% of their working hours on manual application processing, data reconciliation, and overdue debt management. Meanwhile, fraud risk continues to grow — without robust anti-fraud analytics and behavioral scoring, every application carries the potential for losses.

FIs and MFIs needed a comprehensive solution capable of automating the entire lending cycle — from customer acquisition to delinquent debt recovery — with flexible business process configuration and seamless integration with Ukraine's existing financial infrastructure.

02. The Solution

To address these challenges, Kaleidoscope developed and deployed PDL-Power — a fully featured credit system incorporating CRM/ERP and business process automation modules for payday lending (PDL) and P2P lending. The platform delivers a fully automated, end-to-end online loan origination and disbursement process.

Key innovations included:

• Modular architecture: the system is composed of discrete subsystems — lead generation, registration, verification, operations, anti-fraud, delinquency management, and a customer portal — enabling flexible workflow configuration and efficient load distribution.
• Machine-learning-based scoring: the scoring engine encompasses anti-fraud analytics, behavioral and questionnaire-based scoring, and collection scoring, with the ability to build and deploy custom risk assessment models.
• Verification subsystem: a flexible decision-making framework with dedicated verifier and analyst roles, a telephony module, a structured Q&A workflow, and blacklist cross-matching to prevent fraud.
• Extensive integrations: credit bureaus (BankID, UBKI, IBKI, FUBKI), payment gateways (Platon, iPay, LiqPay, Portmone), self-service terminals (iBox, EasyPay, City24, TYME), and CPA networks.
• Customer portal: a responsive interface for loan management, extensions, restructuring, card enrollment, and document verification, secured with two-factor authentication via SMS, digital signature, BankID, and more.
• Analytics and reporting: visual dashboards tracking key performance indicators, cash-flow charts, lead-generation effectiveness metrics, data export to Excel, and integration with 1C accounting software.

PDL-Power's cloud-native architecture and API-driven design ensure scalability and rapid onboarding of new modules. Round-the-clock technical support is provided by a dedicated team of highly qualified specialists.

03. The Result

• Over 10,000,000 loan applications processed during 7 years of PDL-Power operation.
• 5,000+ successful financial transactions per day, with 65% attributed to returning customers.
• 8+ online lending services built, launched, and maintained on a turnkey basis on the platform.
• 8 years of proven performance in real-world conditions on Ukraine's financial market, with continuous optimization.
• The solution covers every aspect of the business — from customer acquisition and automated creditworthiness assessment to loan disbursement and repayment, call-center operations, and delinquent debt management.
• PDL-Power has evolved from a technical tool into a strategic platform, empowering FIs and MFIs to scale their operations, reduce costs, and improve the quality of their loan portfolios.

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