why OPL

Digital lending infrastructure with micro services driven architecture. Each module is divided into micro services and can be equipped with the ecosystem of the lender partially or fully. Omni channel experience: entire platform is scalable and easily adaptable. Bank specific, exclusive whitelabel solutions to each lender that helps amp up competence and service. Saves time, money and effort. OPL has developed whitelabel solutions for India’s leading banks like the SBI, Bank of Baroda and Federal Bank.

Artificial-intelligence based algorithms and machine-learning based parameters that analyse 1000+ data points from various sources like IT returns, GST Data, bank statements, MCA, bureau and fraud database in real-time. Basic details captured using smart analytics. Proposals screened and processed with rule-based engine that’s built using the bank’s eligibility criteria. Mapped to latest lending processes for real-time data and monitor performance across branches, regions, and zones. Smart analytics to provide intuitive guidance to beneficiaries for checking subsidy eligibility and auto recommendation system for offering best suited schemes.

OPL employs Embedded Analytics which combines analytics and algorithms for AI/ML -based credit products that help banks improve their lending performance. Most of India’s top commercial banks are on OPL’s platform which translates to a wealth of reliable industry data. High-end analytical tools to assess and share this information with banks. Market intelligence: ranking of banks in each product category including finer aspects like average time from application to disbursement. Empowers banks to make analysis-based decisions, reassess eligibility and improve performance.

An ISO 27001:2022 certified organisation, OPL treats customer data with a no compromise approach. Multiple internal security, partner and regulatory reviews for data protection. Compliance program for assessing and managing data privacy risks. Periodic audit reviews are created for various levels of Company Management. Securely scalable IT ecosystem. ISMS – ISO 27001:2022 information security system with incident response mechanisms for incident management and redressal. Governed by regulations for personal data and PII protection. Compliance with Personal Data Protection Bill which soon come to effect.

OPL works on a new-age Cloud technology infrastructure which gives OPL its unmatched technology edge in the form of scalability, customisability, availability, ease of operation, lower response times, rapid report generation, data safety compliance and integration of new age security tools, and performance delivery. The cloud approach provides help with legal, regulatory and contractual compliances. Configured with customised security approach and set-up over multi-availability zones to ensure 24 x7 redundancy and availability of services.

OPL’s cloud infrastructure ensures high data availability with multiple availability zones, which gives it the ‘data advantage’ across all products and services. The ISO 27001:2022 Information security management system ensures that the data integrity is never compromised. Information including personal data is made available to businesses role-based access only. Periodic reviews ensure that the systems defined and configured are working as per norms and requirements.

OPL, in line with BFSI requirements, is fully compliant with all the safety, security and operational laws and norms prescribed by the Government of India. Organisation data (both main and business continuity data) is handled, stored and safeguarded with a no compromise approach, in complete compliance with the data localisation regulations in India.

Comprehensive Risk Management Framework for identification, measurement of all known risks. Periodic risk assessment activities to strengthen the three lines of defence in effective risk management. ISO 27001:2022 certified: compliance with international standards of ‘Information Technology - Security Techniques - Information Security Management System’ . Technical and manual controls for risk management. Multiple CI/CD pipelines for automated deployment of micro services in containers. Risk Committees for effective monitoring of internal controls, processes and compliances.

OPL's pre-integrated stack that includes APIs from various sources helps in faster rollout of whitelabeled solutions with less cost and shorter time to rollout project. The pre-integrated stack is API suite that combines GST, ITR, Bank Statement, Satellite data, Agri stack, 235+ lenders and NBFC’s, UIDAI, Bureau, MCA and more.