CUSTOMER STORIES
Driving Agility in Retail Lending and Embedded Finance
Background
BRED IT Thailand, part of the prominent French banking group BRED, has been operational in Thailand since 2017. With innovation at its core, the bank focuses on digital-first banking and financial inclusion—leveraging technology to deliver seamless and sustainable financial services.
As a strategic technology hub for the region, BRED IT Thailand supports an evolving ecosystem of Retail Lending and Embedded Finance solutions through key partnerships. Committed to customer-centric banking, the bank also focuses on modernising its lending stack while addressing the realities of legacy systems and fast-changing regulatory demands.
Key Challenges
As BRED IT Thailand scaled its digital lending initiatives, it encountered several key challenges:
/
/
/
How Axe Finance Effectively Tackled These Challenges
Seamless integration with existing legacy systems
The implementation of ACP allowed BRED IT Thailand to bridge legacy systems and modern digital workflows, ensuring operational continuity while enabling innovation. As stated by the IT leadership team, the transition went “smoother than expected,” reducing both technical risk and business disruption.
Low-code/no-code agility for compliance
Thailand’s rapidly evolving regulatory environment demanded a digita, lending platform that could adapt quickly. ACP’s embedded low-code/no-code configuration engine, accessible via ACP Studio, empowered business users to modify workflows, decision rules, and compliance parameters in real time—without waiting on traditional development cycles.
Compliance-Driven Lending Innovation
Through ACP Retail Loans and ACP Embedded Finance, BRED IT Thailand scaled its digital lending capabilities without compromising on compliance. The platform enabled rapid rollout of personalized lending journeys, while ensuring automated adherence to regulatory standards—making compliance a built-in enabler of innovation.
Testimonials
There is a low-code/no-code tool embedded in the ACP solution, which allows flexibility in customizing the workflows and the rule engine. ACP is a key element that allows us to move with confidence.
“Managing legacy systems is a challenge we’re constantly facing—and they’re not going away overnight. At BRED IT, this was one of our main concerns when we implemented ACP. To be frank, it went smoothly—a lot smoother than we were expecting.
There is a low-code/no-code tool embedded in the ACP solution, which allows flexibility in customizing the workflows and the rule engine. We are not stuck waiting on development cycles, as it allows us to deploy changes relatively quickly without breaking the roadmap and without altering it. At the pace required by regulations, we can reconfigure and roll out our compliance updates—thanks to that capability. ACP is a key element that allows us to move with confidence. I cannot speak for others, but while some may be stuck in compliance bottlenecks, we are not.”