Banks pursuing aggressive lending expansion are increasingly investing in advanced credit decisioning platforms to balance growth with risk management. As digital lending volumes rise, automated policy engines and data-driven underwriting tools are becoming essential infrastructure for scaling consumer and small business credit portfolios.
TBC Bank Group, the leading financial institution in Georgia, has officially partnered with US-based software provider GDS Link to overhaul its credit decisioning infrastructure. The implementation is a cornerstone of the bank’s ambitious “Strategy 2030,” which aims to double its loan book to more than 20 billion dollars and increase net profit to over 1 billion dollars by the end of the decade. The new platform is already live, supporting the bank’s first retail secured loan product and providing the technical foundation for a massive expansion into small business and consumer lending.
The shift to GDS Link’s technology is designed to improve transparency, governance, and internal control over the execution of credit policy. For the bank’s risk teams, the platform offers a “low-code” environment where they can design, configure, and manage complex credit strategies directly. This reduces historical dependence on specialised IT resources, allowing bank staff to independently adapt credit flows and launch new products with significantly shorter change cycles.
As of December 31, 2025, TBC Bank’s loan book in Georgia stood at approximately 10.21 billion dollars (GEL 27.6 billion), reflecting a 10.7% year-over-year growth. To maintain this momentum, the bank is focused on enabling digital access to unsecured loans within 5 minutes. This project recently earned the Best Use of Tech in Consumer Lending title at the 2025 Banking Tech Awards. The integration of GDS Link ensures that this speed is matched by robust risk modelling and automated compliance checks.
The group, which also operates a growing digital-only bank in Uzbekistan, is utilising this new stack to standardise its lending processes across different jurisdictions. By centralising its credit policy engine, TBC Bank can ensure that its high standards for Digital-First banking are maintained even as it scales toward its 20 billion dollar target. The platform’s ability to ingest diverse data sources, including traditional credit bureau information and alternative digital footprints, allows for more inclusive lending to SMEs and retail customers who were previously underserved.
For the Georgian financial sector, this partnership illustrates the rapid maturation of local institutions into global technology leaders. TBC Bank is no longer just competing with regional peers but is setting a benchmark for automated, transparent lending on a global scale. The move to an “independently managed” credit system provides the agility needed to respond to market volatility or shifting consumer trends in real-time.
As the bank moves into the second half of 2026, the focus will remain on migrating additional loan products onto the GDS Link rails. By combining deep local market knowledge with world-class decisioning technology, TBC Bank is positioning itself to lead the digital transformation of the Caucasus and Central Asian banking corridors. This milestone confirms that the path to a 20-billion-dollar portfolio is built on a foundation of automated, data-driven intelligence.
Key takeaways
- TBC Bank Group has partnered with GDS Link to modernise its credit decisioning infrastructure
- The platform supports the bank’s Strategy 2030 goal of expanding its loan book to over $20 billion
- Provides a low-code credit policy engine allowing risk teams to design and manage lending strategies directly
- Enables faster product launches and greater transparency in credit governance
- Supports digital lending initiatives including unsecured loans approved within five minutes
- Allows the bank to integrate multiple data sources for more inclusive SME and consumer lending
- Forms part of TBC Bank’s broader strategy to scale digital lending operations across Georgia and Uzbekistan
Photo by Markus Winkler on Unsplash
