
A major African financial institution, recognised as one of the largest lenders on the continent, continuously seeks to optimise its loan portfolio while ensuring that its technology stack enables the institution to meet the credit expectations of its expanding client base.
The bank embarked on a journey to simplify its technology architecture, beginning with the consolidation of several core banking platforms.
Having relied on a heavily customised legacy core banking and finance system for over two decades, the bank sought to modernise its lending architecture. In 2020, discussions began around building a unified Enterprise Lending Platform — one that could consolidate lending products across multiple operational divisions.
The bank’s extensive and complex lending portfolio meant any solution needed to be flexible enough to serve diverse customer needs, yet standardised enough to avoid heavy customisation. Given the prominence of SAP technology within the bank, SAP was one of several vendors evaluated.
The institution selected SAP S/4HANA Loans Management due to its lightweight design, enterprise-grade stability and proven ability to support secured and unsecured lending products on a single platform.
The project was initiated in late 2021. In late 2022, Bancon was appointed as the prime banking system integrator and implementation partner.
Bancon assembled a team with deep expertise in lending and S/4HANA technology. Working alongside the bank’s internal experts, the team delivered on a challenging roadmap, successfully fulfilling the original business case.

