Early Warning System (Kredit monitoring) is an innovative digital platform developed by BRB-TECH to strengthen risk management and enhance financial stability for banks and enterprises. The solution provides real-time monitoring of loan portfolios, enabling financial institutions to track repayment schedules, identify irregularities, and assess borrower performance with advanced analytics. A key feature of the platform is the Early Warning Signals system, which uses predictive algorithms to detect potential risks and alert stakeholders before problems escalate. This allows banks to take proactive measures, reduce non-performing loans (NPLs), and improve overall credit portfolio quality. For businesses, the platform ensures transparency, timely notifications, and better financial discipline. By combining automation, data-driven insights, and smart alerts, Kredit Monitoring supports sustainable lending practices, minimizes risks, and contributes to the broader digital transformation of the financial sector.