On 17 November 2025, CTOS (we) announced with Alliance Bank and JurisTech the successful go-live of its (our) new Retail Loan Origination System (‘RLOS’) with plans underway to support Share Margin Financing and to embed Generative AI capabilities powered by JurisAI.
Since implementation, RLOS has delivered measurable results;
✅ Faster Turnaround with 40% Approval Rate
✅ Straight-through decisioning
✅ Next-day disbursement for personal financing
Next phase enhancement includes Agentic AI for intelligent document processing, adaptive credit assessment, and personalised customer experiences.
From all of us at CTOS, we extend our sincere appreciation to Pai Li Gan Group Chief Consumer Banking Officer of Alliance Bank, for trusting us, and to Wai Hun See, Chief Executive Officer of JurisTech, for your partnership.
The upgraded RLOS streamlines the entire loan origination life cycle for Alliance Bank to eventually be able to evaluate eligibility more dynamically to better serve customers based on their spending and repayment behaviours.
Source: LinkedIn
