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HCL Enables International Personal Finance To Digitally Transform its Consumer Lending Experience

Published Date: 
Nov 02, 2015
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Noida, India, Warsaw, Poland, November 2, 2015: HCL Technologies (HCL), a leading global IT services provider today announced that the company has supported International Personal Finance plc (‘IPF’ or ‘Group’) with the successful launch of its digital lending business in Poland. HCL helped to create the ‘hapipozyczki’  IT platform, which provides online loans to Polish consumers.

This is an important part of IPF’s growth strategy and will help the group to attract new customers who want to take out a remote loan with the business via digital channels.  The digital transformation program has enabled IPF to drastically reduce its application-to-loan-disbursement cycle to 15 minutes. This was done through a new digital lending platform powered with real-time analytics and process accelerators. The new platform will help IPF deliver a great online experience and further cement brand loyalty.

“While our Polish presence was growing, the business was mindful of increasing competition, particularly from online lenders.With HCL as our preferred technology partner, we launched the hapipozyczki business by digitalizing processes such as credit decisioning, fraud prevention and loan disbursements.” said Doug Kleppen, IT Director, IPF. “HCL’s involvement and application of its industry-leading solutions helped IPF to successfully introduce a new business proposition.”
"We are pleased to have partnered with IPF in the launch of their hapipozyczki digital business. This platform is a new revenue channel for IPF and enables highly automated loan processing," said Rahul Singh, President, Financial Services, HCL Technologies. "Our solution helps IPF to make the most of the opportunities it faces by appealing to customers who want to avail loans digitally. The successful execution of this solution is a testimony to HCL’s business focused digital transformation capabilities.”
HCL’s BeyondDigital Business Unit delivers digitalization services to Fortune500/Global100 using its unique approach of digitalizing the entire business i.e. front office, middle office and back office of an organization. The business has a dedicated base of industry-leading skills and several unique IPs which differentiate its position in the market.

About IPF

International Personal Finance (‘IPF’) is a leading international provider of consumer credit in Central and Eastern Europe and Mexico.

IPF aims to make a difference in the everyday lives of its customers by offering simple, transparent and personalised financial products. It provides small, unsecured, short-term loans to 2.6 million customers who are underserved by existing financial institutions in Poland, the Czech Republic, Slovakia, Hungary, Mexico, Romania, Lithuania, Bulgaria, Finland, Estonia, Latvia, and Australia.

IPF’s resilient business model is based on home credit operations underpinned by unique personal relationships with customers through a wide network of agents. To complement its home credit offering, IPF established a digital business, which comprises hapiloans, a remote lending business launched in Poland in 2014 and the Credit24 and Sving brands integrated with the acquisition of MCB Finance Group (‘MCB’), in 2015.

IPF promotes inclusive and responsible lending and believes that meeting corporate and social responsibilities is essential to maintaining a sustainable business. IPF’s efficient risk management procedures are underpinned by the IPF’s business model and approach to lending.

In 2014 IPF reported revenues of £783.2M, issued £1,022.0M credit and delivered pre-tax profits of £123.5M. Internationally IPF has more than 8,260 employees and 30,000 agents and is one of the biggest British employers in Central and Eastern Europe.

A FTSE 250 business, IPF was listed on the London Stock Exchange in July 2007 and took a secondary listing on the Warsaw Stock Exchange in March 2013. Its head office is in Leeds, United Kingdom.

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About HCL Technologies

HCL Technologies is a leading global IT services company working with clients in the areas that impact and redefine the core of their businesses. Since its emergence on global landscape after its IPO in 1999, HCL has focused on 'transformational outsourcing', underlined by innovation and value creation, offering an integrated portfolio of services including software-led IT solutions, remote infrastructure management, engineering and R&D services and Business services. HCL leverages its extensive global offshore infrastructure and network of offices in 31 countries to provide holistic, multi-service delivery in key industry verticals including Financial Services, Manufacturing, Consumer Services, Public Services and Healthcare & Life sciences. HCL’s organizational beliefs of 'Employees First, Customers Second', ‘Trust, Transparency and Flexibility’, and ‘Value Centricity’ empower its 105,571 Ideapreneurs to create real value for customers by delivering a Relationship Beyond the Contract. HCL Technologies, along with its subsidiaries, had consolidated revenues of US$ 6.1 billion, as on 30th September 2015 (on LTM basis). For more information, please visit

For more information, please contact:-

Kunal Takalkar
+91 9810773217

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