Alliance Bank Goes Live with AI-Enabled Loan Origination System from CTOS and JurisTech

Kuala Lumpur, 17 November 2025 — Alliance Bank Malaysia Berhad (Alliance Bank) has gone live with its AI-enabled Retail Loan Origination System (RLOS), delivered through a strategic collaboration with CTOS Data Systems Sdn Bhd (CTOS) and JurisTech. 

Awarded in May 2023, the project set out to transform Alliance Bank’s retail loan origination processes and deliver a more agile, customer-centric operating model. The new platform went live with its first production release within 12 months, demonstrating disciplined execution and a clear commitment to accelerating digital transformation.

Built on a scalable architecture, RLOS now supports end-to-end customer journeys across lead management, digital onboarding, document processing, origination, decisioning, disbursement, and credit administration. The system is designed to manage multiple product lines seamlessly, enabling the Bank to grow with confidence as customer demand evolves.

From left to right: Loh Kok Leong, Group Chief Executive Officer of CTOS; Gan Pai Li, Group Chief Consumer Banking Officer of Alliance Bank; and See Wai Hun, Chief Executive Officer of JurisTech.

Early performance indicators have been strong. Application turnaround times and staff productivity have improved by 40%, supported by straight-through decisioning that enables personal loans to be disbursed within one day (down from three), credit cards to be approved within the day, and mortgage processing to be reduced from seven days to three. The Bank has already launched three products, namely Mortgages, Personal Loans, and Credit Cards, on the platform.

Alliance Bank is now preparing to extend the platform to Share Margin Financing and will begin a proof-of-concept to embed new Generative AI capabilities via Juris AICraft. Planned enhancements include:

• AI Co-Pilot Assistance: Intelligent document processing and automated preparation of credit proposal papers through advanced summarisation and recommendation capabilities.
• Automated Credit Assessment: Adaptive AI models that refine assessment logic based on evolving customer behaviours and risk profiles.
• Scalable Operations: Virtualised decisioning to strengthen operational resilience and reduce dependency on physical loan officer workflows.
• Personalised Customer Journeys: AI-driven recommendations and dynamic scoring to broaden financial inclusion and better serve underserved customer groups.

JurisTech’s CEO, See Wai Hun sharing her remarks alongside CTOS’s Group Chief Executive Officer, Loh Kok Leong, and Alliance Bank’s Group Chief Consumer Banking Officer, Gan Pai Li, during the press conference. 

“At JurisTech, we don’t just deliver technology—we deliver transformation. Our best-of-suite lending solutions are backed by decades of experience and deep consultative knowledge, enabling banks to execute with precision and scale with confidence,” said See Wai Hun, Chief Executive Officer of JurisTech. “By combining AI into our cutting-edge platform, with strategic insight, we empower financial institutions to reimagine credit, automate complexity, and unlock growth in a digital-first world.”

Loh Kok Leong, Group Chief Executive Officer of CTOS, said the initiative “demonstrates how data intelligence can redefine lending. By combining insights with innovation, we are helping banks open new doors of opportunity for every Malaysian.”

Gan Pai Li, the Group Chief Consumer Banking Officer of Alliance Bank, said, “The successful implementation of the Retail Loan Origination System marks a significant milestone in our digital transformation journey. As The Bank For Life, we understand that customers today are looking for a more convenient and personalised banking experience. By adopting advanced technologies and data-driven decision-making into our products and services, we are confident that this is the right step forward to continuously enhance customer experience in every step of their journey with us.”

With this implementation, CTOS, JurisTech, and Alliance Bank have set a new benchmark for digital lending in Malaysia, demonstrating how AI, data, and modern architecture can collectively reshape the future of retail credit.

About JurisTech

JurisTech is a cloud-native, global-leading company specialising in enterprise-class lending and recovery software solutions for banks, financial institutions, telecommunications, and automobile companies worldwide. We embrace a microservices architecture to ensure scalability and flexibility in our solutions.

We power economies by reimagining financial services with cutting-edge software solutions, leveraging composable architecture and generative AI. Our offerings include artificial intelligence (AI), auto-decisioning, digital customer onboarding, loan origination, credit scoring, loan documentation, litigation, and debt collection. Our solutions have enabled businesses across a broad array of industries to undergo digital transformation, providing enhanced customer experiences and, most importantly, achieving their business goals.

JurisTech has been mentioned as a Representative Provider for Lending Ecosystems, as a Representative Vendor for Commercial Loan Origination Solutions, and as a Sample Vendor for Commercial Banking Onboarding across Gartner reports in 2024.