Question 1

What is a Loan Origination System (LOS)?

Accepted Answer

A Loan Origination System (LOS) is software that automates and manages loan origination, from application to underwriting, approval, and disbursal. FinStack's LOS is designed for Indian financial institutions with RBI compliance.

Question 2

How does FinStack's LOS differ from traditional systems?

Accepted Answer

FinStack's LOS is no-code, cloud-native, and API-first. Unlike traditional systems, it enables faster changes, quicker integrations, and higher scalability without heavy engineering involvement.

Question 3

Who can use FinStack?

Accepted Answer

FinStack's LOS is built for Banks, NBFCs, DSAs, and LSPs of all sizes. It scales from small lending firms to large banking institutions.

Question 4

How long does it take to implement FinStack?

Accepted Answer

2-3 weeks. Unlike traditional LOS that takes 3-6 months, FinStack deploys rapidly with modular implementation.

Question 5

Can it integrate with existing CBS, LMS, CRMs?

Accepted Answer

Yes. FinStack is API-first and integrates with core banking, LMS, CRMs, KYC, KYB, GST, MCA, credit bureaus, and e-signing vendors.

Question 6

Does FinStack comply with RBI's Digital Lending Guidelines?

Accepted Answer

Absolutely. Security and compliance are foundational to FinStack's LOS which is built with bank-grade security, follows ISO 27001 standards, and is regularly audited for vulnerabilities. FinStack helps you maintain compliance with RBI guidelines, including digital lending regulations, KYC/AML requirements, and data privacy laws.

Question 7

How does pricing work?

Accepted Answer

FinStack offers subscription-based, transaction-based, and hybrid pricing models, tailored to your scale and growth needs.

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