Next-Gen Banking, Factoring & Loan Origination l Comarch

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SME credit decisions in Romania take days.
This is the remedy for that:

Loan origination cycle reduced from days to minutes – embedding AML, scoring, and registry checks inside the flow, leveraging IDA, ADA, and AXI agents to eliminate manual handoffs and document bottlenecks
Relationship managers and credit teams get a 360° client view on one screen: data, credit capacity, application status, documents, alerts, and next actions. No switching systems, searching for info, or broken conversations
Cloud-compatible with Microsoft Azure and GCP – the platform empowers business teams to launch new credit products without IT intervention, supported by built-in compliance, audit trails, and reporting from day one

CLO final

Trusted by BRD, Alior Bank, ING Belgium. Recognised in the Gartner Market Guide for Commercial Loan Origination.

The SME lending gap in Romania is wide open. The banks that move first will own that segment.

Context-aware digital banking platform that anticipates the needs of your business banking clients.

Cutting C/I Ratios with a Hybrid Strategy – Securing both the defense and offense of your bank, Agent-Mesh automates your back-office end-to-end to industrialize efficiency. This structural productivity protects margins against cost pressures. It delivers a measurable ROI, with up to 125bp improvement in your C/I ratio
LTV built into the architecture – every interaction is logged and contextualized to power the next recommendation, scaling revenue without a linear increase in acquisition costs
Every specialist on our team works with agentic AI daily – when we guide your bank through AI adoption, we've already run the process ourselves

CCB final

Full factoring lifecycle – automated from limit to settlement. Built for what Romanian CFOs actually deal with.

Covers domestic and international factoring in one system via native FCI integration and AI-driven payment reconciliation, eliminating manual matching and the need for parallel toolsets
Real-time risk & limit automation – replaces manual spreadsheet approvals with an engine that sets and updates limits based on live risk assessments, providing instant visibility into settlement tracking across the entire portfolio
Agile, cloud-compatible connectivity – utilizing Microsoft Azure or GCP, the platform integrates natively with ERPs (SAP, Oracle) and banking APIs while staying ahead of 2030 E-invoicing laws to ensure seamless data exchange without forceful replacements

CFP final-1

Self-running factoring operations free up the people who should be talking to clients.

Intelligent Credit Platform

SME credit decisions in Romania take days.
This is the remedy for that:

Loan origination cycle reduced from days to minutes – embedding AML, scoring, and registry checks inside the flow, leveraging IDA, ADA, and AXI agents to eliminate manual handoffs and document bottlenecks
Relationship managers and credit teams get a 360° client view on one screen: data, credit capacity, application status, documents, alerts, and next actions. No switching systems, searching for info, or broken conversations
Cloud-compatible with Microsoft Azure and GCP – the platform empowers business teams to launch new credit products without IT intervention, supported by built-in compliance, audit trails, and reporting from day one

Agentic SME & Corporate Banking

Context-aware digital banking platform that anticipates the needs of your business banking clients.

Cutting C/I Ratios with a Hybrid Strategy – Securing both the defense and offense of your bank, Agent-Mesh automates your back-office end-to-end to industrialize efficiency. This structural productivity protects margins against cost pressures. It delivers a measurable ROI, with up to 125bp improvement in your C/I ratio
LTV built into the architecture – every interaction is logged and contextualized to power the next recommendation, scaling revenue without a linear increase in acquisition costs
Every specialist on our team works with agentic AI daily – when we guide your bank through AI adoption, we've already run the process ourselves

End-to-end Factoring Platform

Full factoring lifecycle – automated from limit to settlement. Built for what Romanian CFOs actually deal with.

Covers domestic and international factoring in one system via native FCI integration and AI-driven payment reconciliation, eliminating manual matching and the need for parallel toolsets
Real-time risk & limit automation – replaces manual spreadsheet approvals with an engine that sets and updates limits based on live risk assessments, providing instant visibility into settlement tracking across the entire portfolio
Agile, cloud-compatible connectivity – utilizing Microsoft Azure or GCP, the platform integrates natively with ERPs (SAP, Oracle) and banking APIs while staying ahead of 2030 E-invoicing laws to ensure seamless data exchange without forceful replacements

General Romania Unchain

Already live in Romania, with the country's 4th-largest bank

BRD – Groupe Société Générale holds 10.2% of the Romanian banking market. They evaluated their options. They chose Comarch. And they've been running on it ever since.

This isn't a pilot. It isn't a proof of concept sitting in a sandbox. It's a live deployment – fully operational, fully compliant with DORA and BNR requirements, inside one of the most scrutinized financial institutions in the country.

What that means for you?

We don't learn the Romanian regulatory environment from documentation – we operate inside it
Every compliance requirement you'll face, we've already solved it
The architecture running at BRD is the same architecture we're bringing to your bank

AC Romania Unchain

Meet Alexandru Calin, Chapter Lead, Corporate Lending Solutions at BRD

At Unchain, Alexandru takes the stage to talk about what a real deployment in a Romanian bank looks like – the decisions, the compliance challenges, and the things that surprised them. Not a vendor case study. A practitioner talking to practitioners.

If you want to hear it straight from someone who's been through it – this is the session.

The adoption of Comarch’s Loan Origination platform marks an important step in streamlining our credit operations. By consolidating multiple operating streams into a single, unified credit file, we have created a leaner, more efficient process that improves approval timelines and reduces manual errors. This enables our colleagues to focus on delivering tailored financing solutions that meet the evolving needs of our non-retail clients.

Alexandru Calin
Chapter Lead, Corporate Lending Solutions at BRD

Learn more about our cooperation with BRD

What if I want a deep technical session, not just 30 minutes?

Tell us when you book. We'll match you with the right person and set aside the time you actually need – architecture walkthrough, compliance deep-dive, or a full product demo. Thirty minutes is the floor, not the ceiling.

Will you do a demo at our offices after the event?

Yes – and we prefer it that way. Oradea is the introduction. The real conversation happens when we're in your building, looking at your setup. Use the form to flag your interest and we'll follow up within 48 hours after the event.

Which product should I ask about if I'm evaluating lending platforms for SMEs?

Start with Comarch Loan Origination – it's built specifically for banks that want to industrialize SME lending without disrupting what already works. If you're also looking at corporate clients or factoring, let us know and we'll bring the right people to the same table.

I‘ve heard many contradictions about the use of AI in business. What can AI really do in banking?

We’re aware that many myths are circulating about AI's actual capabilities. Download our 2-page guide: From Chatbot to Autonomous Bank - a structured roadmap from experimentation to full autonomy, with measurable ROI at every stage.