Idea Bank success story

A comprehensive POS lending platform for one of Poland’s top retail lending providers
HES FinTech introduced its fully-functional POS Lending Platform to automate the processing of loan applications and build a better customer experience.
Founded in
Poland, EU
Team Size
Consumer lending
Web site
The system they have built 5x times reduced generation time for each new loan or leasing application.
Vladimir Pilipenko,
CEO at IdeaFinance

POS financing deals made easier

Idea Bank collaborates with more than 2.5 thousand retail chains and online stores all across
Belarus to offer consumer lending services. It required a comprehensive system to automate loan
application collection and processing for POS consumer financing deals.

Fast development of a configurable POS platform

In less than 3 months, the HES project team gathered requirements, analyzed and documented
business processes and performed customization and implementation of the solution. The system
was subsequently introduced to all Idea Bank’s partner retail sites.

3 months



of chain stores using the system


faster application process

Fast & automated loan application flow

The solution created by HES achieved all initial project objectives allowing the bank to reduce the
application processing time by 5 times. Now the whole process was automated and required no
additional checks from the personnel. It led to significant operating cost reductions.
Main functional capabilities of the implemented solution include:

  • Administrative interface for management of partners, POSs and system users.
  • Multiple loan product support.
  • Multi-step application process. Template-based document generation.
  • Manual and automatic application processing and loan decisioning.
  • Integration with the bank’s internal databases, credit bureaus and external data sources.