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Benefits
- An online credit system will help reduce the consumption of paper and other paper products thereby promoting sustainability in the environment.
- It allows more access for loan borrowers making payments and even availments more convenient and fast.
- It will make credit processing more efficient. Checking the clients for their past credit dealings will be more accurate because it will provide a more detailed report on availments and handling of loans
- By making the entire process more efficient and fast, more people could be accomodated by banks or financial institutions

Problems
- Without personal inter action with a client it will be difficult to assess the identity of a loan applicant.
- Without internet access the whole system will not work.