Let’s Start a Conversation
Whether you have a specific question or want to explore how we can help transform your data journey, our experts are ready to assist.
Solving Complexity in Vehicle Financing with a Seamless Digital Platform
Credin directly addresses the modern customer need for speed and simplicity, delivering a fully digital experience for purchasing, financing, and home delivery of used vehicles.
With Symphony Lending, every step of the process, from application to vehicle handover, is managed seamlessly via web and mobile channels, offering customers a new-generation, end-to-end journey that is fast, secure, and entirely online.
By integrating with over 20 third-party and regulatory organizations, including Turkey’s national authority for banking supervision, every stage, from loan application to vehicle delivery, is managed securely, efficiently, and in full compliance with all legal requirements.
Measurable Impact: Setting a New Standard in Consumer Finance
With the successful implementation of this project, Credin became Turkey’s first-ever fully digital consumer finance company, marking a major milestone in the industry.
Here’s what a unified digital platform delivered:
20+
Regulatory and third-party integrations
100%
Digital loan applications processed online
1st
Turkey’s first fully digital consumer finance provider
Challenge
Traditional consumer financing in Turkey was slow, paper-based, and fragmented, requiring in-person visits, extensive manual processes, and complex approvals. Customers and business units faced long wait times, a lack of transparency, and operational inefficiencies, making it difficult to quickly and securely access vehicle financing.
- Before the transformation, Credin faced several challenges that limited its agility and scalability in delivering consumer finance services.
- Manual processes and fragmented systems made it difficult to respond quickly to regulatory changes and operational needs.
- Traditional onboarding methods delayed credit approvals and increased processing times for customers.
- Limited digital capabilities created friction in customer interactions, reducing overall satisfaction.
- Regulatory reporting and form tracking were time-consuming and prone to errors, affecting compliance readiness.
Solution
Credin partnered with GTech to launch Turkey’s first fully digital consumer finance platform using Symphony Lending. The new centralized solution enabled seamless online loan applications, instant approvals, and paperless operations, integrating with over 20 regulatory and third-party systems to ensure compliance, security, and end-to-end automation.
- Built a centralized infrastructure that supports loan applications, payments, and approvals through mobile and web interfaces.
- Enabled electronic tracking of regulatory documents such as TMS (Transaction Monitoring System) and MTF (Customer Identification Form).
- Developed a fully digital onboarding process, accelerating account openings and improving compliance with BRSA regulations.
- Integrated 20+ systems to enable fast data exchange with partners and legal entities.
- Established a flexible architecture designed for rapid adaptation to operational and legal updates.
Turning Data into Real-World Results
By adopting Symphony Lending, Credin achieved a future-ready transformation delivering fast, secure, and scalable financial services powered by digital innovation.
Digital Loan Origination
Customers apply and manage credit through mobile and web seamlessly.
End-to-End Automation
From application to approval, every step is optimized and monitored.
Regulatory Alignment
Real-time tracking of all forms and reports ensures compliance.
Faster Go-to-Market
Agile architecture enables rapid rollout of new services and features.
Customer-Centric Experience
Enhanced speed, accuracy, and accessibility at every touchpoint.