eny Finance AG: Swiss Digital Lending Core

Banking & Fintech

Overview

Full-cycle cloud-native enterprise digital lending system replacing a 285-project legacy monolith with unified Origination, Underwriting, Servicing, ZEK/CRIF credit bureau integration, and Swiss FINMA compliance.

Challenge

A leading Swiss credit provider operated on a brittle, 15-year-old WinForms/WCF monolith (Scorto) with high maintenance overhead, sluggish loan origination cycles, and severe regulatory reporting friction.

Solution

Architected and executed a unified native cloud platform unifying loan origination, real-time automated credit underwriting, collections, and financial accounting with direct Swiss credit bureau (ZEK/CRIF) APIs and FINMA audit logging.

Key Results & Impact

✓CHF 100M+ active loan portfolio processed without downtime

✓Loan decision turnaround accelerated from 3 business days to under 4 minutes

✓100% pass rate on rigorous Swiss FINMA banking compliance audits

✓Complete deconstruction and decommission of 285 legacy enterprise projects

Confidential Swiss FinTech · Protected Under NDA

In Active Development.NET 10 · C# · PostgreSQL · React

Swiss Consumer Lending Core: Modernizing from 2016 Low-Code Legacy to Native .NET 10

Full-scale re-engineering of a Swiss consumer credit platform operating since 2016. Originally built on an inflexible low-code system, the legacy core eventually hit a dead end: inability to maintain outdated dependencies, prohibitive costs for modifying business rules, and severe architectural bloat. BrainySoftware reverse-engineered the entire business logic, KREMO affordability calculations, and PMML scorecards, architecting a unified native .NET 10 platform with deep integrations and an autonomous AI Agentic Layer.

Strategic Pivot: “Rather than patching an obsolete 2016 low-code framework, we extracted 100% of underlying financial rules and rebuilt an enterprise-grade .NET 10 native core with AI agents across Onboarding, Underwriting, and Servicing.”

Engineering & Modernization Benchmarks

Transforming Legacy Debt into High-Velocity Financial Infrastructure

2016 → 202610-Year Low-Code Replaced by .NET 10

Escaping legacy low-code vendor lock-in to an enterprise native microservice architecture

100%Reverse-Engineered Domain Logic

Extracted all calculations, KREMO formulas, PMML scorecards, and DM1–DM11 rule matrices

6 SystemsEnd-to-End Integration Mesh

KREMO, ZEK/IKO, CRIF, Front CRM, Client Portal, and nScale ECM document management

3 AI AgentsAgentic Operational Layer

Autonomous Onboarding, Underwriting, and Servicing agents reducing back-office staffing costs

Core Modernization Pillars

From Low-Code Black Box to Verifiable Swiss Banking Architecture

The new architecture eliminates vendor lock-in, restores agility, and introduces AI-assisted workplace automation:

Reverse Engineering a 10-Year Low-Code Core

Extraction & Specification

Operating since 2016 on a legacy low-code platform, the system entered an architectural cul-de-sac: EOL dependencies, unmaintainability, and extreme cost of change:

Decoded Hidden Domain Logic: Formalized all credit scoring algorithms, dual-tier AER grids (4.5–9.9%), and borrower eligibility gates.
PMML Scorecard Recovery: Reconstructed the 7-factor scoring model (CRIF ratings, repayment history, ZEK record, income, marital status).
DMN Decision Matrix: Decoupled hardcoded exception rules (DM1–DM11), blacklists, residency verifications, and debt load calculations.
Target Specifications: Authored canonical specifications for end-to-end business workflows, a 21-status state machine, and operator roles.

Swiss Integration Circuit & ECM Archiving

KREMO, ZEK/IKO, CRIF, Front, Client Portal, nScale

Direct orchestration between the native .NET 10 core and verified Swiss financial infrastructure:

KREMO Engine: Automated consumer credit affordability and disposable income calculation under statutory Swiss KKG/KGSG laws.
ZEK/IKO & CRIF: Direct integration with national credit bureaus for identity verification, debt exposure, and automated contract registry.
nScale ECM: Compliant electronic document management, automated contract folder structuring, and tamper-proof long-term archiving.
Front CRM & Client Portal: Real-time bi-directional sync for relationship managers and self-service borrower onboarding.

Autonomous AI Agent Layer for Workforce Optimization

Headcount Reduction & Ops Automation

Specialized AI agents deployed across back-office workflows to drastically reduce operational personnel expenses:

Onboarding AI Agent: Autonomous KYC parsing, ID/permit OCR verification, payslip validation, and instant structured archiving in nScale.
Underwriting AI Agent: Real-time reconciliation of ZEK/CRIF reports and KREMO outputs, pre-scoring risk flags, and drafting decision dossiers.
Servicing AI Agent: Proactive loan lifecycle maintenance, handling self-service inquiries, automated payment reminders, and restructuring triggers.
Economic Impact: Radical drop in per-application operational cost and expedited Time-to-Cash without expanding clerical headcount.

Clean .NET 10 Native Core with PostgreSQL

Zero-BPM Resilient Architecture

A lean, auditable architecture built for long-term maintainability and strict Swiss FINMA regulatory scrutiny:

Zero-BPM State Engine: Replaced heavy proprietary workflow engines with a transparent 21-state machine and transactional Outbox pattern.
PostgreSQL Migration: Migrated from legacy licensed SQL Server to high-performance open-source PostgreSQL, slashing database overhead.
Regulatory Compliance: Strict alignment with Swiss Federal Act on Data Protection (FADP/DSG) and FINMA governance requirements.
Maintainable Codebase: Pure C# .NET 10 microservices, easily maintainable by engineering teams and AI-native developer tooling.

AI Agentic Layer & Ecosystem Integration

Automated Operator Workplaces & Inter-System Connectivity

How specialized AI agents augment human operators across the lending lifecycle, orchestrated with Swiss financial registries:

Swiss Enterprise Integration Matrix6 Active Hubs

KREMO Engine:Statutory affordability calculation & max credit limits (Swiss KKG)

ZEK/IKO & CRIF Bureaus:Identity resolution, debt limits & mandatory credit event reporting

nScale ECM:Enterprise document management, contract folder tree & dossier archive

Front CRM & Client Portal:Bi-directional synchronization of applications, borrower messaging & self-service

Direct REST/JSON interfaces replacing legacy Windows DPAPI & SOAP bridges

AI Agentic Workplace SuiteHeadcount Optimization

Onboarding AI Agent:Autonomous KYC document auditing, pay slip parsing & automatic nScale filing

Underwriting AI Agent:Cross-checks CRIF/ZEK flags, evaluates KREMO disposable income & drafts approval package

Servicing AI Agent:Monitors payment schedules, initiates polite multi-channel reminders & handles restructuring

Enterprise Core in Active Development

Plan Your Platform Build

IndustryBanking & Fintech

Technologies

C# / .NET 9Scorto Decision EngineSwiss Credit Bureau API (ZEK/CRIF)MS SQLAzure CloudDocker

Core Engineering ServiceLegacy System Migration and Modernization

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Plan the First Delivery Milestone

Ready to Move a
Critical System Forward?

Bring a product idea, a business workflow or a legacy constraint. You do not need a technical specification or an in-house engineering team to start. We will identify the first scoped milestone, delivery risks and the artefacts your team will own.

Discuss Your Delivery Scope Review Sprint Formats

eny Finance AG: Swiss Digital Lending Core

Overview

Challenge

Solution

Key Results & Impact

Swiss Consumer Lending Core: Modernizing from 2016 Low-Code Legacy to Native .NET 10

Transforming Legacy Debt into High-Velocity Financial Infrastructure

From Low-Code Black Box to Verifiable Swiss Banking Architecture

Reverse Engineering a 10-Year Low-Code Core

Swiss Integration Circuit & ECM Archiving

Autonomous AI Agent Layer for Workforce Optimization

Clean .NET 10 Native Core with PostgreSQL

Automated Operator Workplaces & Inter-System Connectivity

Ready to Move aCritical System Forward?

eny Finance AG: Swiss Digital Lending Core

Overview

Challenge

Solution

Key Results & Impact

Swiss Consumer Lending Core: Modernizing from 2016 Low-Code Legacy to Native .NET 10

Transforming Legacy Debt into High-Velocity Financial Infrastructure

From Low-Code Black Box to Verifiable Swiss Banking Architecture

Reverse Engineering a 10-Year Low-Code Core

Swiss Integration Circuit & ECM Archiving

Autonomous AI Agent Layer for Workforce Optimization

Clean .NET 10 Native Core with PostgreSQL

Automated Operator Workplaces & Inter-System Connectivity

Ready to Move aCritical System Forward?

Ready to Move a
Critical System Forward?

Ready to Move a
Critical System Forward?