The growth of consumer lending and the digitization of financial services require banks to operate with high speed, accuracy, and resilience. In Vietnam, as in other rapidly developing economies, financial institutions face the need to process hundreds of thousands of applications, manage risks, and retain customers.
RunRule Solutions has developed an integrated ecosystem for automating the credit cycle. It covers all key stages: from customer acquisition and loan issuance to full debt collection automation. In this article, we will examine each stage of banking automation in detail and what problems RunRule Solutions’ technologies solve.
Stage 1. Customer Acquisition in Banking
At this stage, customer onboarding takes place. It includes not only advertising and promotion of the bank’s services, but also proper audience segmentation, preparation of personalized offers, launching omnichannel campaigns, and collecting data on customer reactions. Success depends on accurate profiling of the future user.
Often, financial institutions launch marketing campaigns that do not yield results, while spending huge budgets. Marketing departments manually segment the audience, fail to track the performance of promotion channels, and cannot adapt offers to the specific needs of each customer.
RunRule Solutions’ Answer
To increase profit and improve marketing response, our team developed Campaign Manager – a system for targeted marketing campaigns. The solution works at the business logic level, allowing marketers to launch campaigns without involving developers.
Campaign Manager allows teams to manage campaigns from a single interface, integrate with CRMs, and create audience segments based on customer behavior, preferences, and data. The system automatically measures channel performance, optimizes communication flows, maximizes marketing ROI, and improves customer acquisition. On average, it boosts conversion rates by 40% while cutting campaign launch costs by half.
Stage 2. Loan Application and Processing
Despite increasing fintech automation, bank branches still play a major role in Vietnam. A potential borrower may apply in person, and the institution must quickly accept the application, verify documents, conduct credit scoring, and make a decision — all within minutes — or risk losing the customer to a competitor.
In such a competitive environment, banking automation at the intake stage becomes critical. Many processes are still manual, especially in small and mid-sized banks: document checks, data entry, ID verification, and coefficient calculation. This leads to delays, errors, customer churn, lower throughput, and higher risk of approving unreliable borrowers.
RunRule Solutions’ Answer
To streamline loan processing, reduce operator workload, and cut costs, we offer two systems:
Loan Origination – a solution that automates the entire loan application process – from initial intake to final decision. It supports all types of credit products (cash loans, POS financing, credit cards, mortgages, etc.) and accepts applications from both digital and physical channels.
The system features a Centralized Customer Data module, maintaining a single database for all client information, which simplifies verification and eliminates data duplication. An Instant Credit Calculator lets customers immediately compare and select the most suitable product, while Smart Borrower Assessment tools handle verification, scoring, and solvency checks automatically. Integrated KYC procedures further strengthen regulatory compliance and help prevent fraud.
Built on a low-code platform for banking with ready-to-use APIs, it integrates seamlessly with local data sources and messaging apps—giving Vietnamese banks both flexibility, scalability, and full loan processing automation. In one case, the system was deployed for a retail auto loan product, reducing application processing time by 20% and speeding up disbursement by 30%.
Decision Engine for Lending – an intelligent decision-making platform that ensures accurate credit risk assessment. Decision Engine includes such features as:
- Automated cut-offs
- A/B testing capabilities
- Seamless integration with external systems data sources
- A robust rules engine
- Support for scoring models, from logistic regression to advanced ML algorithms
- Multi-language compatibility (e.g., JavaScript, Python, Scala, R)
Crucially, the system also supports Know Your Customer (KYC) procedures—a fundamental process used in the financial sector to verify the identity of customers and assess potential risks. KYC involves collecting and validating customer information, as well as conducting due diligence to prevent illicit activities such as money laundering and fraud. These processes are essential for ensuring regulatory compliance and protecting both the bank and its clients.
Decision Engine manages the full credit assessment lifecycle — from algorithm setup to product-specific scaling. As a result, banks can double application processing speeds, reduce third-party dependencies sixfold, minimize human error, and significantly improve risk accuracy.
Stage 3. Loan Portfolio Monitoring
After a loan is issued, the bank needs to regularly monitor borrower behavior in order to respond to risks promptly and proactively, and not allow delinquencies to occur.
In this case, financial institution employees are forced to track client behavior manually, which is nearly impossible due to large volumes. Without monitoring, problems are identified post-factum and require launching the debt collection process.
RunRule Solutions’ Answer
Credit Monitoring is a strategic risk-management tool that unifies complex monitoring processes into a single, transparent framework. It consolidates and analyzes all credit-risk event data, providing users with clear indicators and intuitive visualizations, along with a complete interaction history for each risk factor — all on one platform.
The system supports multiple monitoring types, including on-site visits, targeted checks, scoring-based client evaluations, collateral reviews, and business-plan assessments. Through internal and external integrations, it collects all risk cases into a centralized database, ensuring data consistency and accessibility.
Digital Credit Monitoring detects 50+ early warning signals, evaluates risk factors, and automatically alerts managers with predefined response scenarios. All related documents, comments, results, and interaction history are stored in one place, with automatic updates to keep information current.
Stage 4. Debt Collection
If a client defaults on their loan, the next step is debt collection – a process that escalates from soft reminders to legal proceedings and forced repayment.
Early stages typically involve SMS and email reminders. If the borrower fails to respond, collection agencies are involved, and pre-litigation begins. The final stage includes court claims, enforcement proceedings, and working with bailiffs.
At each stage, banks face issues such as lack of interaction tracking and return analytics, manual work without clear scenarios, broken workflows, and duplicate contact efforts.
RunRule Solutions’ Answer
Debt Collection is a unified system that automates all stages of debt recovery. The system allows importing and storing data on clients, loans, applications, payments, collateral; selecting recovery strategies and stages; and forming a unified customer profile.
Thanks to integration with external sources, customer data becomes richer and more accurate, and built-in financial analysis tools and intelligent scoring enable fast and accurate risk assessment. Workspaces easily adapt to team needs, documents are stored centrally, and calculations are performed automatically.
All of this accelerates the collection process, increases efficiency, and ensures strict KPI control. The solution helps banks move from fragmented actions to a centralized, predictable process and increases successful recoveries by 40% and employee productivity by 50%.
Conclusion
Digital transformation in banking is not a temporary trend but a long-term strategy for sustainable growth and developing banking software. It allows banks to remain flexible, customer-oriented, and competitive. In a world where digitalization penetrates all areas of life, the speed of adapting to technological changes becomes a key success factor.
It doesn’t matter whether we are talking about a small regional bank or a large financial corporation — refusing automation can lead to stagnation, while implementation opens the door to innovation, savings, and growth.The RunRule Solutions ecosystem supports the entire customer journey – from the first touchpoint to final repayment. All systems are highly flexible and customizable to match each bank’s unique workflows and enhance digital lending, thanks to modular architecture and rich configuration options. We offer not only ready-made tools but also deep domain expertise – including consulting services, which are often the ideal starting point for digital transformation in banking. This empowers financial institutions to scale without sacrificing quality, reduce costs, and significantly increase profitability across credit operations.