Savy – Streamlining AML Compliance in Peer-to-Peer Lending

Savy

Savy – Streamlining AML Compliance in Peer-to-Peer Lending

Learn how our customers are enhancing compliance and minimizing manual effort with AMLYZE.

Industry: Peer-to-Peer Lending

Use Case Type: AML/CFT platform tailored for alternative lending

Modules Used: Transaction Monitoring, Customer Risk Assessment, AML Investigations, Customer Screening

“Savy” is the first peer-to-peer lending platform in Lithuania, connecting borrowers with individuals looking to grow their savings. Regulated by the Bank of Lithuania, Savy has financed over €80 million in loans since launching in 2014 and paid more than €12 million in interest to its 40,000+ registered investors. With over 200,000 registered borrowers, ensuring responsible lending and financial crime prevention is a top operational priority.

“Savy” is Lithuania’s pioneering peer-to-peer lending platform, connecting borrowers with individuals seeking to grow their savings through meaningful investments. Regulated by the Bank of Lithuania, “Savy” has successfully financed over €130 million in loans since its launch in 2014 and paid more than €20 million in interest to a community of over 16,000 active investors. With a borrower base exceeding 250,000 registered users, “Savy” remains deeply committed to responsible lending practices and robust financial crime prevention, making these core priorities in its day-to-day operations.

Challenge

As a digital-first lender, “Savy” faces unique AML/CFT challenges – from ensuring accurate customer onboarding to continuously monitoring borrower and investor activity.

Previously, their compliance operations relied heavily on manual processes with limited visibility into customer behavior and constrained case management capabilities. These inefficiencies made it difficult to maintain a consistent and risk-based approach aligned with regulatory expectations.

“Savy” needed a modern solution to:

  • Replace fragmented, manual workflows
  • Gain visibility into customer activity specific to their lending model
  • Implement scalable behavioral monitoring
  • Improve speed and accuracy of investigations

Solution

“Savy” selected AMLYZE for its ability to deliver both flexibility and depth. Unlike rigid, one-size-fits-all tools, AMLYZE offered a tailored platform that matched “Savy‘s” industry-specific risk profile and operational model.

With modules for Transaction Monitoring, Customer Risk Assessment, AML Investigations, and Customer Screening, “Savy” was able to:

  • Automate critical compliance tasks
  • Apply consistent risk evaluation across customer segments
  • Link onboarding data to real-time behavioral analysis
  • Centralize case tracking and documentation
  • Screen customers efficiently against sanctions and PEP lists

AMLYZE helped us reduce manual workload and speed up investigations. It’s a reliable partner for staying audit-ready. The platform’s interface is user-friendly, straightforward, and clean. It makes managing alerts, cases, and rules smooth and efficient without any extra hassle.

AMLYZE’s proactive and approachable Customer Success team has played a key role in helping Savy resolve issues quickly and continually adapt the platform to our operational needs.”

– Linas Dragūnas, CAMS, Money Laundering Reporting Officer at “Savy”

Result

Since implementing AMLYZE, “Savy” has significantly reduced manual workload, increased the speed of investigations, and enhanced its audit-readiness with better documentation and reporting.

Key improvements include:

  • Reduced compliance overhead through automation
  • Faster and more efficient case resolution
  • Clearer visibility into customer behavior
  • Effective customer screening
  • Smooth user experience for compliance staff

“Savy” now operates with a streamlined, adaptable AML platform that supports regulatory compliance without slowing down innovation or growth.

We chose AMLYZE because it wasn’t just another off-the-shelf solution. It was built to adapt to our model and scale with our goals.

– Linas Dragūnas, CAMS, Money Laundering Reporting Officer at “Savy”

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