Consumer & Retail Lending

By

PhotonMatters Team

|

Jan 08, 2026

Business Rules & Decision Engine

Automate servicing workflows with RAC-based logic for repayments, top-ups, restructuring, and more. Create loan constructs for any product – including fixed, variable, step-up EMIs, bullet payments, and custom fee schedules.

At PhotonMatters, we unite them all under one purpose: to make credit faster, fairer, and more human. From banks modernizing legacy cores to telcos enabling mobile money, from manufacturers and distributors expanding supply chains to power utilities driving inclusion through energy lending – PhotonMatters empowers every ecosystem to lend smarter.

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