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:

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

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

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

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

Have a unified and seamless experience.

Adapt to technological advancements quickly with the help of future-proof product technology architecture.
Enabling financial institutions embrace emerging paradigms

Lending
Transforming operations for business agility

Payments
Unlocking value from banking transactions

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!

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

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)

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

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 achieved through rule-based workflows
- Promise To Pay Management for improved collector efficiency and customer relationships
Trusted by clients from around the world

250+
Projects in Banking
50 Mn
Loan transactions/year through our system
10 Mn
Loans managed from our
system
18
New loans booked per minute (during peak time)
23x
Loan portfolio growth for a leading NBFC
11x
Growth in product variations for an Indian Financial Institution
80%
Lending implementations on Cloud
7 Mn
Payment transactions processed (peak volume per day)