Credit Wise, a leading consumer finance NBFC, manages documentation, customer onboarding, and agreements for two-wheeler loans. They first signed Melento to process dealer agreements, and second, the API-based automation with the LOS partner to digitize their lending process using Melento’s (formerly SignDesk) digital signature and digital stamping.
We helped Credit Wise to see immediate value, avoiding manual stamping costs, reducing paperwork, and lowering operational expenses.
Credit Wise relied heavily on manual processes for dealer agreements and the digital lending operation. They were facing challenges like limited use of digital workflows, high overhead expenses like manual stamping, courier workflows, and operational overhead. These bottlenecks slowed down turnaround times, reduced visibility, and increased per-transaction effort.
Melento (formerly SignDesk) enabled Credit Wise to digitize the documentation process. Using Melento’s compliant Aadhaar eSign and nationwide digital stamping workflow, Credit Wise accelerated agreement execution while avoiding operational friction.
The Benchmark Solution
Melento delivered an efficient, portal-based digital execution system tailored to Credit Wise’s documentation workflow.
End-to-End Digital Execution
Delivered fully digital and compliant execution with unified Aadhaar/DSC signing and nationwide eStamping.
Streamlined Workflow Management
Automated sequential/parallel signing and bulk processing to accelerate dealer agreement turnaround.
Identity Verification & Compliance
Ensured secure, legally defensible digital execution with VBEC, liveness, geo-tagging, and audit trails.
Document Management & Stamping Intelligence
Simplified stamping and document control with smart merging, automated duty calculation, and tamper-proof outputs.
Wallet, Payments & Financial Control
Enabled seamless real-time stamping operations with prepaid wallets, auto top-up, and flexible payment modes.
Monitoring, Reporting & Oversight
Delivered full visibility across stamping and signing cycles with dashboards, MIS, callback APIs, and bulk downloads.
API-Ready & Future-Proof Architecture
Ensured scalability of loan onboarding with LOS-ready stamping and signing APIs.
Dealer Agreement Execution
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Before Melento
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After Melento
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|---|---|
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Manual, paper-heavy
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Digital, eSign + eStamp on portal
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Stamping Process
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Before Melento
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After Melento
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|---|---|
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Physical, slow, costly
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Fully digital stamping
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LOS Integration
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Before Melento
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After Melento
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|---|---|
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Not enabled
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Ready to activate with the LOS partner
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Monthly Ops Cost
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Before Melento
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After Melento
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|---|---|
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Higher due to paper & logistics
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Cost reduction by up to 50%
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Document Storage
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Before Melento
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After Melento
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|---|---|
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Manual
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Centralized, searchable repository
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Process Visibility
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Before Melento
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After Melento
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|---|---|
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Low
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Real-time tracking & audit trails
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Compliance
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Before Melento
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After Melento
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|---|---|
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Manual
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Automated & fully traceable
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“Melento’s eSign and eStamp workflows helped us digitize dealer agreements and loan onboarding quickly with ready-to-activate full LOS integration. With reduced paperwork,
lower overheads, and audit-ready compliance, the team now executes agreements and
handles digital documentation faster and more efficiently.”
— Gurpreet Singh Sodhi (Co-founder & CEO, CreditWise) &
Vineet Ojha (Director of Production & OPS, CreditWise)
Lenders operating at scale, especially in the two-wheeler and consumer finance sectors, cannot depend on manual stamping and paper-driven documentation. With a digital-first workflow, institutions can reduce operational costs, improve loan onboarding TAT, and build a compliant, audit-ready documentation layer. API-based LOS integrations further accelerate lending operations. Melento enables this shift with secure, regulatory-compliant eSign and eStamp solutions tailored for lending workflows.
About Melento eSign: Melento’s eSign Workflow enables fast, secure, and legally valid digital signing, eliminating paper, delays, and manual steps. It streamlines document execution end-to-end with global compliance, full audit trails, and seamless collaboration.