Approve 80–90% of Loans Automatically.
Maintain Full Credit Governance

Why allocate skilled teams to predictable applications?

SysArc’s Straight Through Processing (STP) and Semi-STP Digital Lending framework automates policy-aligned applications end-to-end, while intelligently routing only complex or risk-sensitive cases for structured review.

The result: faster approvals, lower cost-to-serve, and disciplined credit governance at scale.

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Enterprise Digital Processing Framework

SysArc's STP & Semi-STP engine enables financial institutions to

Automate up to 90% of standard loan journeys

Enforce policy-driven underwriting

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Maintain structured exception management

Strengthen audit readiness

Deliver consistent digital experiences across channels

Seamlessly integrates with existing lending and core platforms, enabling high-volume processing without operational disruption.

One Platform Two Intelligent Modes

Straight Through Processing (STP) Fully automated, touchless journey from application to disbursement for standard cases. No manual steps. Instant decisions.

Semi-STP Automation continues for most steps, with teams stepping in only for exceptions, policy checks, or risk reviews — then the process resumes digitally to completion.

How STP & Semi-STP Work

Touchless automation for standard cases.
Human review when needed.

Straight Through Processing (STP)

APPLY

VERIFY

APPROVE

DISBURSE

Semi-STP

APPLY

VERIFY

REVIEW

APPROVE

DISBURSE

Key Capabilities

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Digital loan applications across products and segments
Automated decisioning and underwriting engine
Real-time eligibility and compliance validation
Integrated identity, bureau, and risk verification
Exception-based review workbench
Policy-configurable workflows
API-led integration with internal and third-party systems
Full audit trail and activity logging

Loan Categories Supported Under STP & Digital Processing

SysArc's automation framework supports a broad spectrum of lending portfolios

Retail & Consumer Lending

Personal Loans
Pre-Approved Loans
Top-Up Loans
Vehicle Loans
Housing Loans
Pensioner Loans
Staff Loans
Deposit-Linked Loans
Policy-Backed Loans

Why SysArc STP & Semi-STP?

Policy-aligned automation framework
Risk-based exception handling
Scalable architecture for high volumes
Seamless system integration
Enterprise-grade audit and compliance support
Configurable across multiple lending programs

Ready to Accelerate Your Lending Operations?

Transform loan processing with intelligent automation, structured oversight, and scalable digital workflows.