Powering the Futureof Instant Lending
A zero-risk digital ecosystem that enables banks to launch new personal loan categories faster with guaranteed reliability and minimal turnaround times.
In a nutshell
In a nutshell 
Lentra partnered with a leading bank to drive end-to-end digital transformation and build a scalable lending ecosystem that enabled the launch of a new personal loan category. Trusted by India’s top private banks, Lentra continues to fuel new-age lending ambitions through cutting-edge technology, helping financial institutions become future-ready and unlock scalable business growth.
- Digital Lending Platform Enablement
- Instant Loan Processing & Automation
- Risk & Compliance Framework
- Ecosystem Integration & Scalability
Challenges
Lentra faced the challenge to accelerate the launch of new personal loan categories while ensuring reliability and zero operational risk. The key challenge was building a unified, scalable lending ecosystem that connected agents, customers, and backend teams with minimal turnaround time. Balancing speed, compliance, and seamless user experience across platforms was critical.
Key insights from user research
Trust & familiarity
Customers prefer borrowing from known banks with less documents.
Transparent terms
Limited awareness of part-payment rules and foreclosure charges.
Cost clarity
Insurance premiums are often unexpected expenses.
Eligibility awareness
Low awareness of co-applicants unlocking their higher loan amounts.
Flexibility & control
Customers are unaware of negotiation options on loan amount and tenure.
Crafted Experiences
Unified self-serve onboarding
- Designed a seamless customer app across web and mobile, enabling customers to complete onboarding independently.
- Guided by CoinyIntroduced Coiny, a virtual assistant that simplifies complex steps, builds confidence, and replaces manual agent hand-holding.
Add & track customers
- Agents can onboard customers and monitor application progress from a single mobile app.
- Instant status visibility:Agents can view real-time application outcomes approved or declined directly.
Five-step simplified application
Performance & progress visibility
- Sales teams can track individual application status and monitor overall performance in one place.
Video KYC & co-applicant enablement
- Introduced high-impact features with clear guidance, helping customers understand how faster verification and co-applicants improve eligibility and loan outcomes.
Design Impact
30-40% reduction in onboarding time through simplified five-step flows, Video KYC, and guided assistance via Coiny.
20-25% increase in application completion rate driven by clearer requirements, guidance, and self-serve confidence.
15-20% 
