Loan Processing

Next Generation

Quantum AI powers:

  • Automated credit lifecycle
  • Intelligent underwriting rules
  • Predictive machine learning
  • Dynamic scorecards
  • Reduced decision bias
  • Rapid, consistent, and accurate outcomes

Transform Lending

With Quantum AI, you gain:

  • Processing times cut to minutes
  • Automated, data-driven loan decisions
  • Lower operational costs
  • Faster, more responsive customer service
  • Full audit trails for governance
  • A clear competitive edge

Tackle Complex Challenges

Quantum AI enables:

  • Agility through integrated AI
  • Seamless open-banking connectivity
  • Built-in SMS customer communication
  • Streamlined e-documentation
  • Strong compliance management
  • Performance built for constant change
Fern Software
3 Min

fast loan
disbursal

70 +

Standard
decisioning rules

3,000 +

Apps on
AppExchange

45 +

Years of
specialized experience

Designed for These Institutions

Fern Software

COMMERCIAL & RETAIL BANKS

Handling complex corporate portfolios and reducing delinquent loans demands speed and flexibility. Financial institutions need scalable platforms that speed up loan decision processes and strengthen risk oversight.

COMMERCIAL & RETAIL BANKS

Fern Software

DEVELOPMENT BANKS

Large-scale infrastructure and impact projects require transparent, integrated management. Development banks need flexible systems that enhance oversight, delivery and outcome tracking.

DEVELOPMENT BANKS

Fern Software

GOVERNMENT& ECONOMIC DEVELOPMENT

High volumes of enterprise support programs call for digital systems that enable faster turnaround, flexibility, accountability and allow governments to track program success.

GOVERNMENT& ECONOMIC DEVELOPMENT

Fern Software

FUND MANAGEMENT

Managing investment funds and non-bank direct lending requires flexibility and transparency. Fund managers need systems that support customised lending structures, investor oversight, covenant monitoring, and lifecycle reporting to manage risk and protect returns.

FUND MANAGEMENT

Fern Software

SME FINANCE & SUPPORT

SMEs need more than loans - they need partnership and support. Lenders require scalable platforms that speed decisions, manage risk, and help small businesses grow.

SME FINANCE & SUPPORT

Fern Software

FINANCIAL INCLUSION Credit Union / SACCO / MFI

With more customers seeking access to credit, Financial Inclusion providers require digital tools that enhance efficiency, credit assessment, and inclusion for underserved communities.

FINANCIAL INCLUSION Credit Union / SACCO / MFI

Fern Software

ISLAMIC FINANCING

Sharia-compliant institutions require adaptable platforms that support unique financing models while ensuring transparency, compliance, and faster service delivery.

ISLAMIC FINANCING

Fern Software

MORTGAGES

Borrowers expect quick, transparent home financing. Lenders need digital platforms that reduce process bottlenecks, speed approvals, and simplify loan management across growing portfolios.

MORTGAGES

Smarter Lending
Simplified

Today’s lenders face rising pressures—from tighter compliance to higher customer expectations. Quantum AI brings agility with integrated AI, Open Banking, SMS, and e-documentation, delivering a complete solution built for the speed of change. By automating loan decisions, financial institutions cut processing times to minutes, reduce operational costs, and strengthen risk and compliance management. With seamless Credit Bureau connectivity and configurable workflows, lenders can offer faster, more responsive service without compromising control. Smarter lending begins with smarter decisions—made faster, more accurately, and aligned to your goals.

Products Under
This Solution

  • Fern Software

AI for Smarter, Faster, Unbiased Lending

Transform Your Banking Operations Today