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Raiffeisen Digital Bank, a brand of Raiffeisen Centrobank AG, has launched their new personal lending mobile app on Mambu. The flexibility of Mambu's SaaS cloud banking platform enables Raiffeisen Digital Bank to innovate fast and develop personalised and frictionless digital-first financial offerings.

Under the brand Raiffeisen Digital Bank, Raiffeisen Centrobank AG (RCB) offers customers fully digital loans in an easy and fast manner. Embracing best-in-class cloud technologies, RCB built a digital-only offering that allows customers to save time and borrow securely without any hidden fees.

We knew that only an advanced cloud-native technology would give us the competitive edge and the ability to reach new markets rapidly.
Jakub Malach
Head of Lending, Raiffeisen Digital Bank

Consumers are able to create a new account in minutes and request a loan fully online, in a paperless process and without visits to branches. They can apply for up to 100,000 PLN (22,000 EUR) with a repayment period of up to 60 months, in a single, native mobile app. The new app offers a basic set of tools for personal lending and, thanks to the flexibility and breadth of Mambu’s ecosystem, will be enriched in a continuous improvement approach.

With Mambu's low-code platform, RCB was able to develop a highly automated seamless architecture. This allows for shorter development cycles, accelerated innovation and fast time to market.

With Mambu, RCB is well-positioned to capitalise on this growing opportunity. We know that Raiffeisen Digital Bank can take banking and lending in the region to the next level.
Elliott Limb
Chief Customer Officer, Mambu

Jakub Malach, Head of Lending at Raiffeisen Digital Bank, said: “The uptake of digital banking and lending products in Poland and across the entire region is increasing rapidly and we wanted to be part of this dynamic market. We knew that only an advanced cloud-native technology would give us the competitive edge and the ability to reach new markets rapidly.”

Elliott Limb, Chief Customer Officer at Mambu, added: “Covid-19 has shifted customer behaviour towards digital banking, making RCB's new product relevant and timely. But the pandemic has also made customers more demanding. Banks need the flexibility to change and adapt their products and services quickly, and most incumbents don’t have that capability. With Mambu, RCB is well-positioned to capitalise on this growing opportunity. We know that Raiffeisen Digital Bank can take banking and lending in the region to the next level.”

Mambu's implementation and Advisory teams worked closely with RCB in a remote implementation due to Covid-19. Strong collaboration, SaaS technology and cloud implementation accelerated the project timeline and the digital bank application launched in six months, addressing the surge in demand for digital lending.

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