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November 24, 2025Cooperativa Pacífico optimizes its credit processes quickly and securely
Founded in 1970, Cooperativa Pacífico has established itself as one of Peru’s leading financial institutions, recognized for its values of trust and solidarity. Its main objective is to provide financial services that drive the economic and social development of its members. However, its trajectory faced a crucial challenge: the digitalization of its credit processes, which were carried out manually, slowly, and bureaucratically.
Before implementing a technological solution, the cooperative’s credit granting process depended almost entirely on paper. This generated several issues:
- Slowness and bureaucracy: Manual document management made access to information a tedious process, slowing down the entire credit cycle and causing significant delays for members.
- Lack of control and traceability: Handling physical documents increased the risk of errors and information loss. Additionally, the absence of a centralized platform prevented real-time visibility into processes.
- Poor customer experience: In an increasingly agile financial market, slowness and errors resulted in an unsatisfactory experience for members, affecting the cooperative’s competitiveness.
In its effort to modernize operations, Cooperativa Pacífico sought not just a tool, but a solution that would provide the autonomy required to carry out its transformation independently. They chose to subscribe to Deyel and invested in training their internal team, giving them the ability to manage the platform on their own.
This strategic approach was essential, as it allowed them to:
- Accelerate implementation, since there were no intermediaries in decision-making.
- Ensure long-term sustainability, as the organization acquired the technical knowledge needed to be fully self-sufficient in managing and evolving its platform.
With Deyel, Cooperativa Pacífico’s internal team was able to build processes visually, automating tasks without writing code. This gave them the flexibility to create a fully customized credit model, optimizing workflows and standardizing approval criteria. Unlike rigid market solutions, Deyel allowed them to quickly make process changes as new needs emerged, ensuring the platform could evolve at the pace of the market.
Our experience was completely successful. Deyel not only enabled a more agile response to members’ needs but also led to substantial improvements in response times and greater flexibility to adapt dynamically to the demands of the financial market.
The implementation of Deyel resolved the cooperative’s primary challenges, delivering benefits in three key areas:
- Operational efficiency: Digitalizing the credit process eliminated paperwork, resulting in much faster processes and reducing errors and workload for staff.
- Optimized customer experience: By accelerating application processing, the cooperative was able to offer faster response times and a smooth, frictionless digital experience for its members.
- Real-time control and visibility: The centralized platform provided management with complete visibility of each stage of the process, facilitating data-driven decision-making and in-depth analysis.
With Deyel, Cooperativa Pacífico shifted from a manual model to a fully digital, agile, and member-centered one, strengthening its competitiveness and ensuring its future growth in the financial sector.