Analysts, committee and board
Smart Management
Clients, loan applications, assessment and committee, contracts, collateral, portfolios, treasury, configuration and reports.
Built for the sector
Bank of Mozambique reporting
Cross-institution risk centre
Certified digital signature
SMS · Email · WhatsApp
Desktop, tablet and mobile
Why Lianna
Everything a credit decision rests on, in one place
The case, the documents, the opinions, the collateral, the risk assessment, the signature and the payment history all live inside the same file — not scattered across spreadsheets, inboxes and paper folders.
Traceable end to end
Who did what, in which module, at what time. Every opinion is attached to the case with author and date.
AI-supported decisions
Lianna AI weighs client history and collateral against the amount requested — as support, never as a replacement for the person deciding.
Reporting as a by-product
Bank of Mozambique reports come formatted out of the work already done in the system, not from manual collection.
Three surfaces of the same operation
Each front serves a different audience and all write to the same database.
Modules
Everything a credit operation needs, in a single system
Lianna AI
Risk level assessment, with a report to back it
Risk is weighed against payment punctuality, previous operations and recorded incidents — and against the collateral offered for the amount requested, flagging any mismatch between what is asked for and what covers it.
Automated assessment is a support instrument, not a substitute for human judgment. The result reaches the analyst and the committee as one more element of the case, alongside documents and opinions.
01
Client history
Payment punctuality, previous operations and recorded incidents.
02
Collateral coverage
Real market value against the amount requested, with mismatches flagged.
03
Assessment report
A complete, digitally signed document — whether the decision is approval or refusal.
04
Human decision
The AI opinion joins the case beside documents and expert opinions; the ruling stays with whoever is competent to make it.
Security and compliance
Regulatory reporting stops being a parallel exercise
Monthly and quarterly Bank of Mozambique reports formatted for filing, a risk centre shared across institutions using Lianna, and a full record of every user's activity.
Bank of Mozambique reports, monthly and quarterly, ready for submission.
A risk centre shared across institutions running the Lianna platform.
Digital signature registered once in each user’s profile.
Access granted by area and by profile — every role sees its own menu.
A record of who did what, in which module, from which address and at what time.
Implementation
From first conversation to live operation
STEP 01
Discovery
Mapping the institution’s credit lines, rates, charges and decision circuit.
STEP 02
Configuration
Lines, capital limits, terms, period rates, arrangement fees and commissions set up in the system.
STEP 03
Profiles and training
Staff, area permissions and training for credit, committee and management teams.
STEP 04
Go live
Client channels opened and close support through the first collection cycles.
Clear plans, no hidden fees
Three microfinance tiers and a full plan for microbanks.
Beginner
4,800
MZN
per month
The full internal operation, from simulation to repayment.
Pro
7,800
MZN
per month
Everything in Beginner, plus the institutional website and Internet Banking.
Premium
10,800
MZN
per month
Everything in Pro, with priority support and assisted configuration.
Microbank
On
request
website, e-banking and system
Adds deposit management and the client process file.
Is Lianna for microbanks or only microfinance?
Both. Beginner, Pro and Premium cover microfinance institutions; the Microbank plan adds deposit management and the client process file, with website, e-banking and system in one package.
Do website applications reach the system?
They land directly in Smart Management tagged with the Website origin, as do those from Internet Banking or the branch. That makes each channel’s return measurable on its own.
Are the business rules configurable?
Yes. The institution defines its credit lines — capital limits, terms and purposes — and configures interest rates by period, arrangement fees, commissions and other charges. Changing a parameter changes every simulation and case that follows.
How does the risk centre work?
It checks whether a client has active instalments at other institutions running Lianna, giving visibility over exposure that would otherwise stay invisible. It is complemented by a register of barred entities and clients flagged for default.
Does the platform work on mobile?
Yes. Smart Management, Internet Banking and the website run on desktop, tablet and mobile, with the same information and the same permissions.
Who builds and supports the platform?
Lianna is developed by StillDEV Studio, with email and phone support and close accompaniment through implementation and the first collection cycles.
Already a client of an institution running Lianna?
Reach Internet Banking and Smart Management at the same address, with your institution's credentials.
Sign in to the platform
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