Licensed underwriters handling manual review cases Three-step plan: IFML portal → real-time ML scoring → BPMN STP. End-to-end journey from application receipt to fund disbursement. Individual or organisation applying for a loan Applicants expect real-time digital loan decisions GDPR, AML, KYC requirements driving process automation Applicant receives a binding decision within 48 h Fraud identified before disbursement Process cannot proceed to underwriting unless identity is confirmed No loan may exceed 500 000 currency units (regulatory mandate) A formal request for a loan with applicant and financial data Party requesting the loan Ensures regulatory adherence Investigates anomalous cases Evaluates loan eligibility Assesses credit risk Structured BPMN backbone; adaptive CMMN overlay for anomalous cases Immutable compliance audit store External credit scoring REST endpoint SMS/email delivery service Mostly manual process: paper ID checks, batch overnight credit scoring. Fully digital: IFML portal, real-time ML fraud scoring, BPMN STP. Customer-facing IFML portal integrated with BPMN loan process. Real-time inference microservice replacing nightly batch job. Automated straight-through path for clean low-risk applications. No self-service portal; customers apply only via branch office. Batch scoring introduces 24 h delay; target requires < 500 ms ML inference.