Thinker LOS runs every application from first form to approval, and its Expert Decision engine applies your credit policy in seconds. Design journeys and rules without code, beside your existing core.
Proven with enterprise lending teams
KKP
15+ clients in finance and beyond
Live in Thailand since 2023
Buyer reality
Origination is where lending loses the most time and money: data keyed by hand, checks run one after another, and every change waits for IT.
Officers re-type application data and run identity, credit and income checks in sequence, so even simple cases wait 1–3 days.
Without one policy engine, the same applicant can get a different answer depending on the analyst, which weakens portfolio quality.
Every new product, rule or campaign becomes an IT release, so risk and product teams wait while the market moves.
Product workflow
Thinker LOS combines a Workflow Canvas, the Expert Decision engine, Dynamic Forms and a Work Pool, pre-integrated with Connext onboarding, Papyrus eContract and Databridge data.
01
Drag and drop the journey from application to approval, including parallel API calls to NCB and AMLO. Changes go from draft to published in real time, with every version kept.
Business benefit · Launch a new loan product in under a week, not 1–4 months.
02
Build credit policy once, without code: pre-screen, hard and soft rules, internal and alternative-data scorecards, then approve, decline or refer with a limit and grade. Simulate each version on past cases before go-live.
Business benefit · Policy updates live in about 10 minutes, with every reason logged for audit.
03
Identity, NCB, AMLO and document checks run automatically through Connext and Databridge. AI-OCR pre-fills the application, AI asks the applicant only for what is missing, and every AI step can also run on your rules alone.
Business benefit · No re-keying, fewer cases bouncing back.
04
Only unclear or high-risk cases go to a person. Tasks are routed by priority and SLA, officers can review and override any automated result, and every action stays in the audit trail.
Business benefit · 67% fewer tasks per loan officer at a leading Thai bank.
Segments served
Three kinds of lender already run origination on Thinker LOS in Thailand.
Before
Paper-based, sequential checks split across analysts, with changes competing for core banking IT time.
After
Parallel data validation and auto-approval for returning customers, connected to existing systems: 32 internal systems and 118 external APIs at one bank.
Before
A branchless lender has to onboard, verify and decide entirely on mobile, at high volume.
After
Connext eKYC and Thinker LOS running beside a global lending core, live in about 7 months and handling up to 2,000 applications a day.
Before
Dealer-floor applications wait days for checks, valuation and a signed contract.
After
ID scan at the showroom, NCB and vehicle-value checks, then same-day approval and a digitally signed HP agreement.
Customer voice
From a top-5 hire purchase lender in Thailand, after moving every car loan onto one origination flow.
“Thinker LOS has been a game-changer for KKP’s loan origination process. By leveraging a data-driven approach, it enables parallel customer data validation, eliminating the bottlenecks of our previous sequential workflow. This has resulted in significant operational efficiency gains, cost reductions, and a demonstrably improved loan portfolio quality.”
Buyer questions
Direct answers for teams comparing lending vendors.
Figures come from clients in production in Thailand. Items still being confirmed are marked.
Business teams change journeys, forms and credit policy themselves, without code: a policy update goes live in about 10 minutes and a new loan product in under a week, versus 1–4 months on a traditional LOS. Thai ID and credit links (DOPA, NDID, ThaiD, NCB) are pre-integrated, and pricing covers unlimited users and branches.
No. Thinker LOS sits beside your existing core and connects through open APIs. It already runs alongside global cores, and Thinker is integrated with Mambu, Silverlake and Sunline.
Yes. Each Thinker Suite module runs on its own through open APIs and is pre-integrated with the others. Expert Decision can also answer other channels or an existing LOS by API.
Frequently asked questions
The practical questions lending, risk, and technology teams ask before a demo.
