Digital lending & collections for banks and lenders
Empowering your financial journey

Intelligence
to action

Transform the complete financial lifecycle, from customer onboarding and credit decisioning to finance management, collections, risk and workflow automation.

25+years in banking
6modules, one suite
RytNow Finance: application journey
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Vehicle & Financing

Configure your vehicle and financing details

Financing Options
Tenor
Down Payment
Financed Amount
Monthly Installment
Interest Rate
Overview

One intelligent layer.
Every stage of lending.

RytNow sits on top of the systems you already run and turns your data into decisions, recoveries and conversations in real time.

YOUR INSTITUTION
  • Core banking
  • Credit bureau
  • CRM & call centre
  • Dealers & merchants
RytNow

RytNow Core

No-code workflows · credit policies
AI agents · audit trail

Onboarding & KYCDigital lendingCredit decisioningRisk & complianceCollectionsEngagement
DECIDE

Approve in minutes

Scores and credit rules that explain every decision.

RECOVER

Collect before it is late

Early-warning alerts and AI-led recovery journeys.

ENGAGE

Talk like your best banker

Arabic and English agents that guide and sell.

The platform

One suite. Every stage of the financial journey.

Six modules on one core, from onboarding to collections.

  1. 01 · CUSTOMER & DIGITAL ONBOARDING

    KYC, start every relationship right

    Enable seamless customer onboarding across digital and branch channels, through automated operational workflows.

    Customer 360° profileWeb, mobile & branch onboardingKYC workflowsIdentity & watchlist verificationDocument upload & storage
    01
    Customer app: scan national ID
  2. 02 · DIGITAL LENDING

    From application to approval

    Automate the complete lending journey, combining configurable credit policies, scoring, workflow automation and approval management.

    End-to-end finance originationMulti-product finance configurationAgreements & documentsBooking & disbursement
    Explore auto finance
    02
    Application journey: a single view of applicant, terms and decision
  3. 03 · CREDIT DECISIONING

    Automated credit policies

    Combine configurable credit policies, scoring, workflow automation and approval management.

    Bureau & alternative-data scoringConfigurable policies & thresholdsNo-code decision engineCommittee & approval-matrix routing
    03
    No-code decision workflow, configured without engineering
  4. 04 · RISK, COMPLIANCE & EARLY WARNING

    Proactive compliance

    Combine risk monitoring, early-warning indicators, compliance controls and portfolio intelligence to identify emerging risks before they become losses.

    Customer risk profilingConfigurable risk rulesAML & KYC monitoringSanctions & watchlist screeningAudit trails
    04
    AML · KYCevery risk rule is a configured value, not a code change
  5. 05 · AI-DRIVEN COLLECTIONS

    Prioritize. Engage. Recover.

    Turn collections into a proactive recovery engine using smart segmentation and AI engagement.

    Smart queue routingAutomated follow-upPromise-to-payAI agent on WhatsAppRecovery dashboards
    05
    Delinquency queues with AI agent assignment and next action
  6. 06 · ENGAGEMENT WITH ALL STAKEHOLDERS

    Automate every touchpoint

    Connect each stakeholder with the right touchpoint and a dedicated portal.

    White-label experiencesCustomer mobile appDealer / merchant portalSales app & portalServicing & admin portals
    06
    White-label customer mobile app

Built by bankers.
Powered by AI.

25+years of banking
experience
6modules in
one suite
5stakeholder portals
and apps

Built by bankers

We are a technology company with deep experience building banking applications. We understand both the business and the technology, and put that know-how to work across your operations, collections and credit.

No-code by design

Credit policies, thresholds and workflows are configured values, not code changes, so your team updates them without waiting on IT.

One core, end to end

Onboarding, lending, risk and collections share one data model, so nothing is re-keyed and every step is audited.

Why RytNow

Why lenders choose RytNow.

Everyone on the same finance journey, in their own portal.

All white-label, all in your brand. Select a portal to see what it does.

01

Customer app

A self-service app for the bank's customers. They apply for finance, complete KYC and choose the product, merchant or offer to start their purchase.

Self-serviceApply & KYCMerchants & offers
How it works

Live in three steps.

Start with one module, add the rest when you are ready. Your stack, your rules.

01

Connect

Connect the platform to your core banking, bureau and channels via API.

02

Configure

Switch on the modules you need and set your own credit policies and rules.

03

Decide

AI decides in real time while your team focuses on strategy.

Book a demo

See your own lending journey in RytNow.

Tell us about your portfolio and we will walk you through onboarding, decisioning and collections on your products.

Thank you.

Our team will contact you within one business day.