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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90-day sprint planning template

Are you ready to build true momentum by planning your first modernisation sprint?

If so, you’re in the right place.

When institutions modernise their core banking system, one of the biggest risks is organisational, as without clear focus, strong ownership, and visible wins in the first 90 days, momentum stalls.

This planning template helps structure your first sprint with realistic actions, achievable outcomes, and clear accountability. Whether you’re kicking off internal discussions or working with an external partner, this format keeps you grounded in execution.

Core modernisation checklist

Is your institution ready to modernise its core banking system?

If so, you’re making the right choice. Modernising your core banking platform is a strategic move that shapes your ability to grow, innovate, and compete.

This checklist is designed to help your leadership, IT, and operations teams assess readiness across four key dimensions: technology, team capability, compliance and operations, and commercial alignment. Use this to identify where you’re strong, where you need to build, and what’s holding you back.

Use this to identify where you’re strong, where you need to build, and what’s holding you back.

Think bigger. Go further.

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