ReCAL (Responsible Credit and Lending) is a Lending-as-a-Service (LaaS) platform leveraging enterprise-grade IT architecture and microservices for secure, scalable lending operations. A key component of its system is the Keikai Spreadsheet framework, which enables low-code business logic, allowing credit evaluation teams to modify scoring models without engineering expertise.
By embedding Keikai, ReCAL streamlines loan processing, automates data ingestion, and accelerates new product deployment using structured XLSX templates. Unlike SaaS alternatives, Keikai’s on-premise deployment ensures compliance, data privacy, and real-time performance. This integration enhances ReCAL’s agility, making data-driven lending more efficient and responsive in a competitive financial landscape.
Read the full case study here!