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Platform Engineering
Loan Origination Re-architecture for NAB.
Core banking rebuilt on microservices. 2 weeks to 2 hours. 300 staff freed.
01/ the brief
Slow approvals. Outdated architecture. Customers frustrated. Teams constrained.
NAB is one of Australia's four major banks, serving millions of retail and business customers under strict APRA regulation. Their core loan origination platform had fallen years behind the demands of the business — a monolithic architecture that couldn't adapt, compounded by manual processes at every stage of the approval journey.
- Loan applications and approvals were slow and manual — frustrating customers and driving up operational cost
- The monolithic platform couldn't adapt to rapidly changing business and customer expectations
- Processing inefficiencies were compounding: poor experience, increased complaints, and mounting technical debt
02/ the solution
Microservices architecture, automated workflows, and a modern front-end — built under APRA governance.
Crystal Delta re-architected NAB's core loan origination platform on a microservices-based, multi-cloud foundation — automating workflows, digitising documentation, and embedding DevOps practices across teams.
What's under the hood
- Core banking re-architected on microservices deployed in a multi-cloud environment — built for flexibility under APRA governance
- Modern responsive banker front-end with automated loan workflows replacing manual origination steps
- Digitised loan documentation enabling same-day contract generation via digital signatures
- Automated straight-through pricing changes from customer request to ledger — across multiple products
- DevOps practices and 'build to run' model embedded across delivery teams
- Secure pricing controls, robust audit trails, and real-time compliance reporting
03/
The Impact
Contract generation
2 weeks → 2 hours
Contract generation time — through digital signatures and automated workflows.
300 staff
Freed from manual processing and redistributed to higher-value roles.
Reduced complaints
Faster approvals and streamlined processes improved customer experience significantly.
Future-ready
Microservices architecture enables NAB to respond to market change and innovate faster.