What does it take a rural bank to design the perfect loan product?

Introducing a one-size-fits-all model for your loan product can do more harm than good, so what's the solution for rural banks?

Designing the loan product that the market desires is one of the secret arts of banking. Yet, most banks offer standardised, one-size fits all loans that actually raise the risks of repayment.

Should this be the case? Is there a logic or framework to offer customers what they really want, while lowering the risk?

Does a larger product portfolio introduce too much operational complexity?

Is there a secret formula that can ensure market success with simple product modifications?

You can find out the answers to these questions with this free download, while also learning all about what it takes to launch tailored new products fast – a flexible core banking system that provides all the decision-making data you need in real time.

Oradian isn’t just a financial technology provider. We’re genuinely invested in our clients’ success, which is why one of the essential services we offer is constant business advice. That means scale and visibility into what works and what doesn’t to help us deliver the tactical guidance you need.

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Membayangkan Kembali Teknologi Perbankan untuk Pasar yang Dinamis

Sebuah whitepaper (buku putih) oleh Oradian dan IBSI

Meraih pertumbuhan dan mendorong efisiensi adalah strategi wajib yang Anda butuhkan untuk bersaing di tahun 2026. Modernisasi adalah kunci untuk mencapainya.

Sektor keuangan berubah dengan cepat; dengan regulasi baru, meningkatnya ekspektasi konsumen, dan pesaing yang berbasis digital, semuanya menjadi penentu. Namun, banyak lembaga masih beroperasi dengan inti lama yang dirancang untuk dunia yang sangat berbeda.

Whitepaper ini, yang dikembangkan atas kerja sama dengan IBSI, sebuah lembaga penelitian independen, memberikan panduan praktis bagi para pengambil keputusan yang ingin memodernisasi infrastruktur inti perbankan mereka tanpa membebani kapasitas lembaga.

Baik Anda bank penantang, MFI (LKM), fintek, atau pemberi pinjaman di tempat terpencil, makalah ini akan membantu Anda memahami arah pasar dan cara untuk mengantisipasinya.

Reimagining Banking Tech for Dynamic Markets

A whitepaper by Oradian and IBSI

You need to grow and drive efficiency to win in 2026. This whitepaper is the key.

The financial sector is changing fast; with new regulations, rising consumer expectations, and digital-native competitors all setting the pace. Yet many institutions are still running on legacy cores designed for a very different world.

This whitepaper, developed in collaboration with IBSI, an independent research house, provides a practical guide for decision-makers looking to modernise their core banking infrastructure without overwhelming institutional capacity.

Whether you’re a challenger bank, MFI, fintech, or rural lender, this paper will help you make sense of where the market is going and how to get ahead of it.

Reimagining Banking Tech for Southeast Asia

A whitepaper by Oradian and IBSI

You need to grow and drive efficiency to win in 2026. This whitepaper is the key.

The financial sector is changing fast; with new regulations, rising consumer expectations, and digital-native competitors all setting the pace. Yet many institutions are still running on legacy cores designed for a very different world.

This whitepaper, developed in collaboration with IBSI, an independent research house, provides a practical guide for decision-makers looking to modernise their core banking infrastructure without overwhelming institutional capacity.

Whether you’re a challenger bank, MFI, fintech, or rural lender, this paper will help you make sense of where the market is going and how to get ahead of it.

Think bigger. Go further.

Come and see the future with us. Talk to one of our core banking experts.