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    Digital Origination
    Our expertise

    Turn Initial Interest Into Long-Term Relationships

    Sandstone’s Digital Origination Product Suite delivers pre-configured templates across every major banking product right out of the box, paired with complete flexibility to customise to your exact workflows and processes.

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    %

    reduction in processing time on home loan applications

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    decrease in data re-work

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    increase in home loan approvals

    Business Outcomes

    Superior Customer Experience

    Deliver modern, fast, and frictionless digital interactions across every device.

    24/7 Sales Capabilities

    Turn your public website, internet banking, and mobile app into active sales channels day and night.

    Higher Web Conversion

    Convert browser traffic and marketing impressions into fully qualified applications.

    Reduced Cost to Serve

    Shift routine enquiries and applications away from high-cost manual channels into automated digital workflows.

    Accelerated Time to Yes

    Automate checks, verification, and decisioning to deliver rapid approvals.

     

    Lead Generation

    Rapid Leads (24/7 Product Enquiry)

    Never lose an interested customer after hours. Rapid Leads provides quick, high-conversion enquiry forms designed to capture and route leads immediately.

    • Customisable form fields and messaging tailored to your brand.

    • Go live in less than 1 month.

    • Directs enquiries straight into the relevant customer service team or CRM.

    • Deploy across Public Website (New to Bank), Sandstone Internet Banking, and Sandstone Mobile App.

    Download Rapid Leads brochure
    Rapid Leads
    Lead Generation

    LARA (Interactive Calculator)

    LARA (Loan Application Research Assistant) is an interactive, 24/7 self-service calculator suite that lets customers explore loan options, repayment scenarios, and borrowing capacity on their own terms.

    • Research data entered into LARA automatically populates the application in Apply, dramatically reducing completion time and friction.

    • Real-time serviceability estimates keep momentum high, guiding prospects smoothly into the application journey.

    Learn more about LARA
    LARA
    Application Capture

    Apply Lite (24/7 Digital Onboarding)

    Capture complete application details with a lightweight, user-friendly digital onboarding interface suitable for all banking products.

    • Fully customisable form fields and copy for consumer, business, and deposit accounts.

    • Ready to launch in under 1 month.

    • Drops applications directly into customer service queues or connects via API into your Loan Origination System (LOS) / CRM.

    • Available on Public Website, Sandstone Internet Banking, and Sandstone Mobile App.

    Download Apply Lite brochure
    Apply Lite
    Application Capture

    Apply (24/7 Time To Yes)

    Transform complex origination into a frictionless digital journey with automated workflows and instant decision capabilities.

    • Real-time serviceability checks, credit bureau checks, and host system integrations.

    • Built-in AML/KYC checks and automated ID verification.

    • Smart document extraction and verification powered by AI/ML to accelerate processing.

    • Clear application status tracking keeps applicants informed every step of the way.

    Download Apply brochure
    Apply

    Request a demo and see how our Digital Origination Product Suite in action
    Request a demo and see how our Digital Origination solution
    Frequently Asked Questions
    What is Digital Origination in banking?

    Digital Origination is the process of a financial institution taking on new customers for their products and services via an online channel

    How does Digital Origination improve the customer experience?

    Customers are able to apply for new financial products 24/7 from anywhere, anytime, on any device.

    How does Sandstone's digital lead generation solution help with lead capture?

    It delivers high quality leads with tailored lead capture and qualification - reducing the manual process time for staff and customers both.

    How does Sandstone’s Digital Origination platform improve the onboarding experience?

    Our Digital Origination solution streamlines applications with automated decisioning, ID&V, KYC and AML checks reducing manual work while ensuring regulatory compliance.

    Is Sandstone's solution suitable for banks, building societies, and credit unions?

    Yes, our solution is designed for a variety of financial institutions such as banks, building societies, specialist lenders, and credit unions.

    What types of products can be originated through this platform?

    Home loans, personal loans, credit cards, and savings accounts.

    Does your solution offer omni-channel support?

    Yes, it provides a seamless experience across digital and physical channels.

    Can your platform be integrated with Open Banking?

    Yes, all our platforms are open banking ready.

    Do you provide support and training for the FI's team?

    Yes, we offer training workshops and ongoing support for a smooth transition.

    Is the solution scalable as the customer base and offerings grow?

    Yes, our solution is highly scalable to support growth and evolving business needs.