The Bank Clearing House Consumer Crediting Platform is a comprehensive consumer lending solution developed for Bank KD (Bank KD) and launched in 2018. This platform powers the bank’s consumer crediting portfolio, including products like Vilnyi Loan, Cash for Everything, Re-crediting, and Comfort for You.
Built on the Neofin Platform, this solution has been running continuously since its launch in 2018, demonstrating the platform’s reliability and scalability for production banking environments.
🏗️ Project Overview
Client: Bank KD (АКЦІОНЕРНЕ ТОВАРИСТВО «БАНК КД») Launch Date: 2018 Platform: Neofin Platform Status: Active in production
🎯 Key Features
- Multi-product lending engine — Supports multiple consumer loan products simultaneously
- Automated credit decisioning — Real-time credit scoring and approval workflows
- Multi-channel origination — Online applications, mobile app integration, branch support
- Product configuration engine — Flexible product parameters (terms, rates, amounts, eligibility)
- Regulatory compliance — Built-in compliance with NBU regulations and consumer protection laws
- Integration ready — Connects with core banking systems, credit bureaus, and payment networks
💳 Supported Loan Products
| Product | Term | Amount Range | Key Feature |
|---|---|---|---|
| Vilnyi Loan | Up to 36 months | 5,000–200,000 UAH | Flexible purpose consumer loan |
| Cash for Everything | Up to 36 months | 5,000–200,000 UAH | Unsecured cash loan |
| Re-crediting | Up to 36 months | 5,000–200,000 UAH | Loan refinancing solution |
| Comfort for You | Up to 36 months | Up to 200,000 UAH | Specialized consumer loan |
🏆 Key Achievements
- 6+ years in production — Running continuously since 2018 on Neofin Platform
- High availability — 99.9%+ uptime for critical lending operations
- Scalable architecture — Handles thousands of loan applications monthly
- Regulatory compliance — Full adherence to NBU consumer lending regulations
- Digital-first — End-to-end digital loan origination and servicing
🔗 Links
- Live Platform: clhs.com.ua/en/consumer-crediting
- Bank Website: bank-kd.com.ua
- Neofin Platform: neo-fin.com
🛠️ Technology Stack
- Platform: Neofin Platform (custom lending automation)
- Architecture: Microservices, event-driven
- Deployment: Cloud infrastructure with high availability
- Monitoring: Real-time metrics and alerting
📈 Impact
This platform transformed Bank KD’s consumer lending capabilities, enabling rapid product launches, automated decisioning, and superior customer experience — all while maintaining strict regulatory compliance. The fact that it has operated continuously for over 6 years on the Neofin Platform is a testament to the platform’s robustness and the solution’s design.