Loan defaults reduced by 50%

Zurich Finance Corporation provides motorcycle financing options to customers in rural southern Luzon, where motorcycles are a vital form of transport and economic mobility.

The business had reached the limits of its existing core platform. Decentralised operations meant loan policies were interpreted differently from location to location, while manual monitoring relied on spreadsheets, emails, and phone calls.

Connectivity across southern Luzon also made field work difficult, with slow speeds, intermittent service, and weather-related outages affecting daily operations.

Oradian helped Zurich centralise operations, apply mandatory fields consistently, and capture field assessments offline before syncing them to the core platform once connectivity returned.

Repayments are now posted in real time, workflows are simpler, and credit assessment is quicker and more reliable.