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EXL wins industry recognition for digital lending innovation in point-of-sale financing

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EXL (NASDAQ: EXLS) was named the category Winner for Lending Transformation in the 2025 IDC FinTech Real Results program for its collaboration with First National Bank of Omaha (FNBO).

The teams built and launched a cloud-native point-of-sale (POS) financing solution in four months, using pre-built accelerators, configurable APIs, embedded compliance checks and omnichannel communications. Since launch, more than 95% of borrowers through the program were new-to-bank customers, and the platform is modular to support feature expansion and scale.

EXL (NASDAQ: EXLS) è stata nominata vincitrice della categoria per la Trasformazione del Credito nel programma 2025 IDC FinTech Real Results per la sua collaborazione con First National Bank of Omaha (FNBO).

I team hanno costruito e lanciato una soluzione di finanziamento cloud-native point-of-sale (POS) in quattro mesi, utilizzando acceleratori pre-costruiti, API configurabili, controlli di conformità integrati e comunicazioni omnicanale. Dalla fase di lancio, più del 95% dei mutuatari tramite il programma erano clienti nuovi per la banca, e la piattaforma è modulare per supportare l'espansione delle funzionalità e la scalabilità.

EXL (NASDAQ: EXLS) fue nombrada ganadora de la categoría Transformación de Préstamos en el programa 2025 IDC FinTech Real Results por su colaboración con First National Bank of Omaha (FNBO).

Los equipos construyeron y lanzaron una solución de financiamiento nativa en la nube para punto de venta (POS) en cuatro meses, utilizando aceleradores preconstruidos, APIs configurables, comprobaciones de cumplimiento integradas y comunicaciones omnicanal. Desde su lanzamiento, más del 95% de los prestatarios a través del programa fueron clientes nuevos para el banco, y la plataforma es modular para apoyar la expansión de funciones y la escalabilidad.

EXL (NASDAQ: EXLS)은 FNBO와의 협업으로 2025년 IDC FinTech Real Results 프로그램에서 대출 혁신 범주 우승자로 선정되었습니다.

팀은 클라우드 네이티브 POS 대출 솔루션을 네 달 만에 구축 및 출시했으며, 사전 구축된 가속기, 구성 가능한 API, 내장 규정 준수 체크, 옴니채널 커뮤니케이션을 활용했습니다. 출시 이후 이 프로그램을 통해 대출자 중 95% 이상이 은행 고객이었고, 플랫폼은 기능 확장과 규모 확장을 지원하도록 모듈식으로 설계되었습니다.

EXL (NASDAQ: EXLS) a été nommé vainqueur de la catégorie Transformation du crédit dans le programme IDC FinTech Real Results 2025 pour sa collaboration avec First National Bank of Omaha (FNBO).

Les équipes ont développé et lancé une solution de financement cloud-native POS en quatre mois, en utilisant des accélérateurs préconstruits, des API configurables, des contrôles de conformité intégrés et des communications omnicanal. Depuis le lancement, plus de 95 % des emprunteurs du programme étaient de nouveaux clients de la banque, et la plateforme est modulaire pour soutenir l’expansion des fonctionnalités et l’évolutivité.

EXL (NASDAQ: EXLS) wurde als Kategorie-Sieger für Lending Transformation im Jahr 2025 IDC FinTech Real Results-Programm für seine Zusammenarbeit mit First National Bank of Omaha (FNBO) ausgezeichnet.

Die Teams haben eine Cloud-native POS-Finanzierungslösung in vier Monaten entwickelt und eingeführt, unter Nutzung vorkonfigurierter Beschleuniger, konfigurierbarer APIs, integrierter Compliance-Checks und Omnichannel-Kommunikation. Seit dem Start waren mehr als 95 % der Kreditnehmer im Programm Neukunden der Bank, und die Plattform ist modular aufgebaut, um Funktionsumfang und Skalierbarkeit zu unterstützen.

EXL (NASDAQ: EXLS) تم اختيارها كفائزة في فئة التحول التمويلي في برنامج IDC FinTech Real Results لعام 2025 عن تعاونها مع First National Bank of Omaha (FNBO).

بنَت الفرق وحَددت وحَسَنتت حل تمويل نقاط البيع السحابي (POS) في أربعة أشهر، باستخدام مسرعات مدمجة مسبقاً، وواجهات برمجة تطبيقات قابلة للتكوين، وفحوص امتثال مدمجة واتصالات متعددة القنوات. منذ الإطلاق، كان أكثر من 95% من المقترضين عبر البرنامج عملاء جدد للبنك، وتعتبر المنصة قابلة للوحدة لتوسيع الميزات وتوسيع النطاق.

EXL (NASDAQ: EXLS) 被评为2025年 IDC FinTech Real Results 计划中“贷款转型”类别的赢家,表彰其与奥马哈第一国民银行(FNBO)的合作。

团队在云原生的销售点(POS)融资解决方案上花费四个月时间完成构建与上线,使用预构建的加速器、可配置的 API、嵌入式合规检查和全渠道通信。自上线以来,通过该计划的借款人中超过95%是银行的新客户,且该平台具有模块化设计,可支持功能扩展和规模化。

Positive
  • Cloud-native POS lending launched in 4 months
  • 95%+ of borrowers were new-to-bank customers
  • Modular platform enables feature expansion and merchant integration
  • Pre-built accelerators and APIs reduced time-to-market
Negative
  • None.

Breakthrough digital transformation initiative recognized as the Winner in IDC FinTech Results program

NEW YORK, Oct. 16, 2025 (GLOBE NEWSWIRE) -- EXL [NASDAQ: EXLS], a global data and AI company, announced it has been recognized as the category Winner in the 2025 IDC FinTech Real Results program for Lending Transformation excellence. The award recognized EXL’s collaboration with First National Bank of Omaha (FNBO) to develop a breakthrough point-of-sale (POS) financing solution that allowed the bank to introduce new financing options quickly, integrate seamlessly with merchants and scale with agility.

FNBO partnered with EXL to accelerate its entry into POS financing, leveraging EXL’s pre-built accelerators, configurable APIs embedded compliance checks and omnichannel communication capabilities. Together, the two were able to develop and launch a cloud-native lending solution in just four months. The platform’s modular approach provides flexibility to add features and expand into new segments, while maintaining seamless customer experience and ensuring compliance at every stage of the program’s lifecycle.

“EXL being named the Winner for Lending Transformation in the 2025 IDC Fintech Real Results highlights the measurable impact of its work with FNBO to design and deliver an innovative POS financing product,” said Jerry Silva, program vice president, IDC Financial Insights. “By enabling FNBO to expand its lending capabilities and provide a seamless financing experience at the moment of purchase, EXL has demonstrated how advanced data, AI and digital solutions can drive tangible business outcomes and customer value.”

Since deploying the solution, more than 95% of borrowers engaged with FNBO through this initiative were new-to-bank customers, highlighting the platform’s ability to attract and acquire new customers at scale.

“We’ve worked with EXL for years now leveraging them as our end-to-end system of record for multiple installment lending solutions,” said Brett Worick, senior vice president, partnership lending at FNBO. “Their team is always top notch and delivers features and functionality quickly through a consultative approach. Recently, we migrated our home improvement lending business into our loan management system with EXL, and they delivered a timely and smooth transition ensuring our products and services remain best in class.”

The award highlights how EXL is helping financial institutions like FNBO reimagine lending by bringing together digital technology, compliance expertise and customer-centric design into a single solution. The collaboration demonstrates how banks can increase speed to market, support diverse merchant needs and deliver superior borrower experiences through scalable, cloud-based lending platforms.

“This recognition by IDC underscores our successful work with FNBO and highlights our ability to drive measurable results and future-ready impact for banks to complete and win in an increasingly competitive consumer finance market,” said Vikas Sharma, senior vice president and banking practice lead at EXL. “This implementation underscores deep domain expertise and our ability to deliver agile compliant and customer-centric digital lending solutions at scale.”

Learn more about EXL’s banking and finance solutions.

About EXL

EXL (NASDAQ: EXLS) is a global data and AI company that offers services and solutions to reinvent client business models, drive better outcomes and unlock growth with speed. EXL harnesses the power of data, AI, and deep industry knowledge to transform businesses, including the world's leading corporations in industries including insurance, healthcare, banking and capital markets, retail, communications and media, and energy and infrastructure, among others. EXL was founded in 1999 with the core values of innovation, collaboration, excellence, integrity and respect. We are headquartered in New York and have approximately 61,000 employees spanning six continents. For more information, visit www.exlservice.com.

About FNBO

FNBO (First National Bank of Omaha) is a subsidiary of First National of Nebraska, Inc. (FNNI). FNNI and its affiliates have nearly $35 billion in assets and 5,000 employees. FNBO is a leader in the partnership payment arena, with partners in a variety of industries including retail, travel, entertainment, automotive, oil, nonprofits and more. FNBO specializes in providing comprehensive payment solutions with personalized service to help its customers achieve their goals. Founded in 1857, FNBO has maintained its commitment to helping build strong communities for more than 165 years. Learn more at FNBO.com and connect with us on FacebookX and Instagram.

Cautionary Statement Regarding Forward-Looking Statements

This press release contains forward-looking statements within the meaning of the United States Private Securities Litigation Reform Act of 1995. You should not place undue reliance on those statements because they are subject to numerous uncertainties and factors relating to EXL's operations and business environment, all of which are difficult to predict and many of which are beyond EXL’s control. Forward-looking statements include information concerning EXL’s possible or assumed future results of operations, including descriptions of its business strategy. These statements may include words such as “may,” “will,” “should,” “believe,” “expect,” “anticipate,” “intend,” “plan,” “estimate” or similar expressions. These statements are based on assumptions that we have made in light of management's experience in the industry as well as its perceptions of historical trends, current conditions, expected future developments and other factors it believes are appropriate under the circumstances. You should understand that these statements are not guarantees of performance or results. They involve known and unknown risks, uncertainties and assumptions. Although EXL believes that these forward-looking statements are based on reasonable assumptions, you should be aware that many factors could affect EXL’s actual financial results or results of operations and could cause actual results to differ materially from those in the forward-looking statements. These factors, which include our ability to maintain and grow client demand, our ability to hire and retain sufficiently trained employees, and our ability to accurately estimate and/or manage costs, rising interest rates, rising inflation and recessionary economic trends, are discussed in more detail in EXL’s filings with the Securities and Exchange Commission, including EXL’s Annual Report on Form 10-K. You should keep in mind that any forward-looking statement made herein, or elsewhere, speaks only as of the date on which it is made. New risks and uncertainties come up from time to time, and it is impossible to predict these events or how they may affect EXL. EXL has no obligation to update any forward-looking statements after the date hereof, except as required by federal securities laws.

Contact
Media
Keith Little
media.relations@exlservice.com


FAQ

What award did EXL (EXLS) win on October 16, 2025?

EXL was named the category Winner for Lending Transformation in the 2025 IDC FinTech Real Results program.

How long did it take EXL and FNBO to launch the POS financing solution?

They developed and launched a cloud-native POS lending solution in four months.

What percentage of borrowers from the EXL–FNBO POS program were new-to-bank?

More than 95% of borrowers engaged through the initiative were new-to-bank customers.

How does EXL’s solution support merchants and banks for POS financing?

The solution uses configurable APIs, pre-built accelerators, embedded compliance and omnichannel communications to integrate with merchants and scale.

What is the expected business benefit for banks using EXL’s POS lending platform?

The platform aims to increase speed-to-market, support diverse merchant needs and acquire new customers at scale.

Which stock symbol should investors use to follow EXL?

EXL trades on NASDAQ under the symbol EXLS.
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