eny Finance Success Story - NextGen Platform

Client Overview

eny Finance AG

eny Finance AG is Switzerland's largest non-bank online lender, headquartered in Zurich. Since 2012, eny Finance has been offering fast, flexible personal loans entirely online, setting the benchmark for digital lending in Switzerland.

Challenge

To drive business growth and boost operational efficiency, eny Finance required a next-generation system for loan origination, servicing, scoring, collections, and reporting—all seamlessly integrated.

Key business needs included:

Automated borrower evaluation and scoring
Flexible, rule-based management of credit policies and business processes
Integration with multiple third-party services (credit bureaus, DMS, accounting, insurance, web front-end)
End-to-end reporting and compliance

Solution

After a thorough market evaluation, eny Finance selected the company and out-of-the-box lowcode platform renowned for its configurability, ease of use, and powerful automation capabilities.

The implementation included:

Migration from a legacy, in-house system to a unified new platform
Analysis and mapping of hundreds of internal documents and fields
Integration with two major credit bureaus (ZEK, CRIF), document management, accounting, insurance, and the public website
Automated onboarding, loan origination, scoring, servicing, and debt collection—all on a single platform
Support for dynamic business rules, AML filters, and compliance reporting
Transfer of the live lending business and historical loan portfolio into the new system

Implementation & Results

Seamless migration of data and business processes with minimal disruption to ongoing operations
Complex integrations with third-party providers, efficiently orchestrated by Company team
Agile adaptation to new business requirements, rapid changes and updates supported 24/7
Full automation of loan lifecycle, including reporting and compliance
Business growth enabled by faster product launches and scalable infrastructure

Client Feedback

                                The solution developed and supported by the Scorto team has been highly effective and flexible, enabling us to achieve our goals within an optimized and efficient system that continues to operate successfully to this day.
                                
                                The Company specialists did an outstanding job analyzing our business, adapting the system, and supporting our teams and third-party providers. Even under the pressure of complex integrations and rapid changes, their professionalism, technical competence, and customer focus were always evident.
                                
                                We would recommend the Company and NextGen to any lender seeking a reliable, configurable, and fully supported solution for online lending and decision automation.
                                — Dr. Irina Starobinskaya, FRM CRO, eny Finance AG

Key Benefits

🔄

Seamless Migration

Data migration and process transformation with minimal disruption

⚡

Real-time Decisioning

Automated, real-time credit decisioning capabilities

🔗

Complex Integrations

Seamless integration with external providers and systems

⚙️

Flexible Business Logic

Rule-based business logic and compliance management

🛠️

24/7 Support

Fast, responsive support—mission-critical for online lending