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JANA, one of Saudi Arabia’s leading microfinance institutions, partnered with Naga Info Solutions to revolutionize its lending operations through a custom-built Loan Origination and Decisioning System. Designed to replace manual, paper-based workflows, the new platform unified all loan processes across JANA’s 20+ branches in Saudi Arabia, transforming multi-week approval cycles into streamlined, data-driven workflows completed in just a few days.
This project exemplifies how an experienced web and mobile app development company can redefine operational efficiency through intelligent system design, automation, and seamless integration.
Before Naga’s intervention, JANA relied on manual documentation, spreadsheets, and human coordination for loan processing, resulting in delays, redundancy, and limited visibility across departments. The goal was clear: digitize and automate the entire loan lifecycle while ensuring accuracy, security, and regulatory compliance.
Naga’s development team adopted an agile and rapid prototyping approach, working closely with JANA’s internal stakeholders to identify real pain points. Within the first few sprints, the team delivered working prototypes for key modules like application intake, document management, and multi-level approval workflows, which were refined iteratively through user feedback and field testing.
This agile delivery ensured faster implementation and higher adoption across all branches, a signature strength of Naga’s web development services for enterprise clients.
The new system manages every stage of the lending process:
Application Submission: Applicants can now initiate loan requests digitally, with data automatically validated at the point of entry.
Document Collection & Verification: AI-powered OCR modules extract and verify details from uploaded documents, eliminating manual entry.
Multi-Level Approvals: An intelligent workflow engine routes applications based on loan type, amount, and applicant profile, ensuring the right approvers review each case.
Credit Assessment & Scoring: Integrated algorithms support faster, more consistent credit decisions.
Final Disbursal: Approved loans are automatically queued for release with full audit tracking and digital signature support.
This holistic automation dramatically improved coordination between field officers, credit teams, and branch managers, while ensuring every action is logged and traceable.
The platform was engineered on a microservices architecture, allowing each process, from user management to analytics, to function as an independent, scalable service. Secure APIs connect the mobile and web apps, providing real-time synchronization across devices.
Hosted on a cloud-based infrastructure, the system ensures high availability, data redundancy, and disaster recovery capabilities.
Security features include role-based access control, encrypted storage, digital signatures, and full audit trails, aligning with the strict regulatory requirements of Saudi Arabia’s financial sector.
This robust design demonstrates Naga’s capability to deliver enterprise-grade web development services that balance performance, security, and scalability.
Recognizing the distributed nature of JANA’s workforce, Naga also developed a companion mobile app for field officers, enabling them to capture applicant data, upload documents, and track application status from anywhere. The app synchronizes seamlessly with the central system, ensuring continuous workflow even in low-connectivity regions, a reflection of Naga’s excellence as a mobile app development company focused on field usability and performance optimization.
This mobility-first design empowered JANA’s employees to serve customers faster, improving satisfaction and trust at every stage.
The impact was immediate and measurable:
Loan approval timelines reduced from weeks to days.
Manual errors and document loss nearly eliminated.
Complete transparency across all branches and approval levels.
Compliance strengthened with secure, traceable audit trails.
JANA’s partnership with Naga Info Solutions not only modernized its operations but also set a new digital benchmark for Saudi Arabia’s microfinance ecosystem, in alignment with Vision 2030 goals for technological advancement and financial inclusion.
The Loan Origination and Decisioning System for JANA is a testament to how Naga Info Solutions combines technology, strategy, and domain expertise to drive real transformation.
Through agile execution, intelligent automation, and cross-platform scalability, Naga delivered a solution that streamlined lending, enhanced transparency, and empowered teams across Saudi Arabia.
As a trusted web development company and mobile app development company, Naga continues to help financial institutions accelerate digital transformation, delivering secure, scalable, and intelligent systems built for impact.
Ready to elevate your business? Contact us today with your requirements or book a free consultation to explore the possibilities.
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