Refo vs Flowable : which is better for creating banking products

We recently ran a test with a group of developers and product managers: build an SMB lending workflow on Refo vs. Flowable, a traditional BPM platform.

The outcome?
📉 Flowable took over a month.
📈 Refo wrapped it up in just 1.5 days.

Here’s a detailed breakdown of how Refo fared against Flowable.

Why such a stark difference?

Refo brings two key ingredients to the table:

• An AI-powered data layer we’ve been building over the past two years — purpose-built for banking use cases.
  
  
• A prebuilt library of banking-ready flows, so your teams don’t have to start from scratch every time.

What’s more — it’s not just about SMB lending. Whether it’s a new savings product, a credit card journey, or a customer onboarding flow, Refo’s architecture is designed to help you move fast, iterate easily, and scale without friction.

No complex BPM setups. No heavyweight engineering lifts. Just product launches in days, not months.

Imagine this velocity across your entire product portfolio.

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Want to see how it works in your environment?

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Contact us for a personalized demo and we’ll walk you through it.

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