Transforming business lending and term deposit pricing with ZafinDriving profitability and agility through pricing automation and real-time decisioning

A leading Asia-Pacific bank set out to modernize how it priced and managed its business lending and term deposit products. Its objective was clear: eliminate manual, error-prone processes and empower front-line teams with real-time insights and control. By implementing Zafin’s Rates & Fees and Product Catalog, the bank moved from spreadsheet-based pricing to real-time decisioning, improving turnaround time, pricing consistency, and margin performance.

About the Client

A regional bank with approximately USD $100 billion in assets sought to digitize and streamline pricing operations for its business lending and term deposit portfolios. The initiative was part of a broader transformation to improve responsiveness, profitability, and governance in its core banking activities.

Results at a Glance

• Time-to-Market : 6-month rollout for lending pricing 
• Profitability Uplift: ~15 bps margin improvement
• Operational Speed: < 10 seconds for deposit origination
• Coverage: 600 front-line users across channels

The Challenge

The bank relied on manual spreadsheets and email-based approvals for pricing and rate management.

Relationship managers submitted pricing requests through spreadsheets and email approvals, creating delays and limiting visibility into how pricing decisions were made. This increased the risk of inconsistencies and missed revenue opportunities.

Audit and compliance reviews were manual and time-consuming, making it difficult to respond quickly to market changes or competitive pressures.

The Solution

The bank deployed Zafin Rates & Fees and Product Catalog, integrating them with its CRM and core banking systems to to digitize pricing and approval workflows.

This implementation enabled the bank to:

• Reduce pricing turnaround time by executing pricing decisions through a system rather than spreadsheets and email
• Improve deal quality and margin consistency through real-time visibility into profitability at the point of decision with built-in return-on equity (ROE) calculations
• Ensure consistent pricing decisions by enforcing governance within defined thresholds and approval workflows
• Empower front-line teams to price deals directly without manual coordination across teams

Results

With Zafin’s pricing automation, the bank achieved measurable financial and operational gains:

• ~15 bps profit uplift across targeted portfolios
• End-to-end origination in under 10 seconds
• Full auditability and governance transparency
• Enhanced staff experience and faster client response times

Operational Impact

What the client had to say

We moved from spreadsheets to real-time pricing in months — our teams can now serve customers faster.

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