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Outgrowing Legacy Lending Systems? Here’s How to Migrate Without the Chaos!
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India’s MSME lending ecosystem is advancing rapidly, but for many lenders, their technology hasn't kept pace. As businesses scale and operations grow more complex, legacy lending systems—once sufficient for simpler use cases—become bottlenecks. Disbursals slow down, collections require manual interventions, compliance reporting becomes tedious, and IT teams are stretched thin trying to plug gaps. If this sounds familiar, you’re not alone. We see this pattern across more than 100 NBFCs and fintech's we work with. The good news? Migration doesn’t have to be chaotic. In fact, with the right approach, it can be a catalyst for your next phase of growth.
Most legacy platforms weren’t designed for the fragmented, fast-paced, and compliance-heavy demands of India’s MSME segment. Rigid workflows fail to accommodate diverse borrower profiles and loan types. Manual work arounds become the norm across loan origination, servicing, and collections.
Integrations with credit bureaus, KYC systems, and banking APIs are either absent or require custom fixes. Deploying updates is slow, often requiring backend support or vendor involvement, and visibility across operations, risk, and compliance remains limited. These constraints result in slower growth, higher operational costs, increased compliance risk, and a borrower experience that falls short of expectations.
Despite the clear limitations, the idea of migrating system scan feel overwhelming. And for good reason. Lenders worry about potential data loss, operational disruption during transition, already stretched internal band width, and the challenge of retraining teams. These concerns are valid—but surmount table. That’s exactly why we developed the AllCloud Migration Frame work: a phased, structured, and low-risk approach designed specifically for Indian lenders.
At AllCloud, migration doesn’t begin with a line of code—it begins with understanding your business. Every migration is built on a foundation of context. We start with deep discovery: assessing your current operations ("as-is" workflows), mapping out the future you want to achieve ("to-be" processes), and identifying what’s working, what’s broken, and what success looks like for both your business and technology teams. Once this is established, we co-create a phased migration plan tailored to your institution’s structure, scale, and goals.
In Phase 1, we focus on discovery and mapping. This includes auditing existing platforms, dependencies, and data models; understanding third-party integrations; and identifying friction points in your workflows. Next, in Phase 2, we develop a detailed migration plan. Here, we define future-state processes, prioritize integrations like CKYC, credit bureaus, and payment gateways, and set up a rollout plan using controlled pilot groups to ensure zero disruption. In Phase 3, we configure and test the new platform. We tailor domain-specific workflows, set up risk and compliance rules, and enable real-time dashboards.
Teams are trained in sandbox environments and participate in user acceptance testing (UAT) to ensure readiness. Finally, in Phase 4, we go live—gradually rolling out the platform across your products and branches, with dedicated post-launch support and ongoing optimization.
What makes this process smooth is our ecosystem readiness. AllCloud is built with deep integrations into the core systems lenders already use or wish they had. On the KYC and compliance front, we support CKYC, video KYC, and document uploads with OCR validation, along with customizable fraud checks and rule engines. For credit bureau and risk management, we integrate with all four credit bureaus, offer real-time CIC pulls, and enable adaptive underwriting logic.
Disbursal and collection features include integrations with eight major Indian banks, UPI 2.0 mandates, and three payment service providers for eNACH and payment gateways. Our legal and operations layer covers e-sign, e-stamp, accounting APIs, audit logs, and role-based access. Plus, we’re ISO27001 and Cert-In certified. On the infrastructure side, we’re hosted on AWS with end-to-end encryption, real-time monitoring, and configurable role-based access controls.
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