Enabling Financial Institutions Unleash their Potential

Deliver differentiated customer experiences, innovate faster and adopt new business models seamlessly. Know more

Reimagine your Credit Operations with pennApps Lending Factory

Define, deploy and manage business processes without any dependency. Know more

pennApps Lending Factory now on Microsoft Azure Marketplace

To help financial institutions harness the power of platform configurability & scalability to unlock business value. Know more

Everest Group Names Pennant as a Major Contender

PEAK Matrix® for Consumer Loan Origination Systems. Know more

Enabling Financial Institutions Unleash their Potential

Deliver differentiated customer experiences, innovate faster and adopt new business models seamlessly. Know more

Reimagine your Credit Operations with pennApps Lending Factory

Define, deploy and manage business processes without any dependency. Know more

pennApps Lending Factory now on Microsoft Azure Marketplace

To help financial institutions harness the power of platform configurability & scalability to unlock business value. Know more

Everest Group Names Pennant as a Major Contender

PEAK Matrix® for Consumer Loan Origination Systems. Know more

We are Pennant

We build highly configurable, future-ready fintech products and platforms that enable banks and financial institutions to adapt, innovate and scale for higher business growth and increased profitability. Trusted by global clients, our platform based approach for our products help:

ICON1_2X

Accelerate your time to market by launching new products/offers quickly.

ICON4_2X

Streamline operations for efficiency, flexibility and transparency with the help of business-centric processes and workflows.

ICON2_2X

Address evolving threats and vulnerabilities effectively with fail-safe, resilient risk management capabilities.

ICON5_2X

Extend your digital delivery capabilities by leveraging a wide repository of API’s and integrations.

ICON3_2X

Have a unified and seamless experience.

ICON6_2X

Adapt to technological advancements quickly with the help of future-proof product technology architecture.

Enabling financial institutions embrace emerging paradigms

LENDING_2X

Lending

Transforming operations for business agility

PAYMENTS_2X

Payments

Unlocking value from banking transactions

Customer_Experience

Customer Experience

Enhancing customer lifetime value

Reimagine Lending with pennApps Lending Factory Today!

pennApps suite of products and solutions

A novel concept of process-driven execution engines with multitude of functional factories to define, deploy and manage your business processes without any dependency on the vendor or internal technology teams, a complete lending solution at your disposal!

LoanOriginating_2x

Loan Origination System

  • Configurable and Customisable
  • What-If simulations enables consumers explore various scenarios (EMI and repayment)
  • 200+ APIs for Seamless Integration & Communication
  • Flexible System for Changing Compliance & Regulatory Requirements
  • Convenient loan disbursements with multiple disbursement modes support
LoanManagement_2x

Loan Management System

  • Complete loan life cycle management for consumers
  • Schedule Repayment Hierarchy (SRH) for flexible prioritization of instalment components
  • Risk-free efficient workflow of lending cycle through rule engine
  • Support of multiple options for ‘Interest in suspense’ calculation ( manual and customer level)
Collections_2x

Collections

  • Intuitive dashboards capturing data points for better control & timely corrective actions
  • Proactive response for Delinquency Management to speed collections process
  • Legal & Write-off features managed till closure for easy settlements
  • Informed decision making through rule-based workflows
  • Promise To Pay Management for improved collector efficiency and customer relationships
Digital_Enablers

Digital Enablers

  • Lead Generation to strengthen customer acquisition and sales cycle
  • Cross selling to offer customers contextual and customised solutions
  • Seamless integration with diverse IT platforms for improved operational efficiencies
  • Multi-lingual support via NLP(Natural Language Processing) for easy conversations
  • “Always-on” AI driven conversational capabilities

Trusted by clients from around the world

45+

Global clients

250+

Projects in banking

70%

Transactions are financial and time sensitive in nature

6 Million +

Active loans managed

7 Million +

Payment transactions processed per day

50%

Transactions are through Cloud Infrastructure

Success stories

Pennant Helps Piramal Deploy Lending Platform on Microsoft Azure

Pennant’s demonstrable experience and expertise in implementing banking solutions, its agile delivery capabilities and outstanding...

Godrej Housing Finance Implements Pennant Technologies’ next-gen Lending Platform for Indian Market Entry

Highly configurable and cloud compatible Pennant Technologies Lending factory has helped Godrej Housing Finance launch...

Ajman Bank

Ajman bank goes live with pennApps Interactive Communications Manager (ICM) in shortest possible time.

Mawarid Finance

Mawarid Finance Goes Live with pennApps Interactive Communication Manager

Industry & analyst recognition

Pennant Honored with Stevie Award for Platform based Lending Software System

pennApps Lending Factory wins award for the second consecutive year Hyderabad, India; August 07, 2022...

Forrester Recognises Pennant as a Solid Player in its Global Banking Platform Vendor Report

The Banking and Financial Services Industry is undergoing a paradigm shift in transforming its digital...

Finalist at the 12th Annual Aegis Graham Bell Awards for the Category – Innovative Digital Transformation for Banking

Finalist at the 12th Annual Aegis Graham Bell Awards for the Category - Innovative Digital...

Recognised as a Major Contender in the Everest Group PEAK Matrix for Consumer Loan Origination Systems.

Recognised as a Major Contender in the Everest Group PEAK Matrix for Consumer Loan Origination...

InsightsView all

pennApps Lending Factory on LinuxOne Emperor 4: Enabling sustainability focused, secured and scalable Lending Operations

pennApps Lending Factory and LinuxOne: Empowering financial institutions for higher performance.

How to Simplify Debt Recovery with Digital Collection and SaaS

Effective debt collection and delinquency management is a growing concern for banks and financial institutions....

Forrester Recognises Pennant as a Solid Player in its Global Banking Platform Vendor Report

The Banking and Financial Services Industry is undergoing a paradigm shift in transforming its digital...

South Asian Mortgage Lender Implements Pennant’s Future-Ready System

A large South Asian mortgage lender modernises its digital lending system to target 2X increase...

Why Buy Now Pay Later Needs a Solid Tech Ecosystem

Buy Now Pay Later apps require a mix of lending and payments capabilities. Hence, a...

Interested in Pennant’s value proposition? Get in touch!