Our solutions are out of the box ready and with extremely agile structure, all of them together they represent an overall eco system.

  • Structured workflow for automatic routing of business applications & operational processes
  • Support different origination channels
  • Support different loan products and loan types
  • Loan type parameters and constraints definition
  • Interface to external systems, including core banking
  • Provide internal credit checking, credit scoring and debt burden calculation
  • Support multi-tier rate structure
  • Generate letters and forms automatically
  • Application details and status enquiry
  • Document imaging and archiving
  • Provides sales personnel guide lines
  • Support the entire sales process in benches
  • Provides 360-degree view over customer data in simplified way

Our Application Processing System

is one of the most essential features in our overall solutions. Each loan application is monitored from the time it is entered into the system, and tracked through the various work steps of credit review, approval process and (auto) decision making. The system allows these work steps to be performed in different locations while maintaining control of the flow and making sure no required steps are being missed.

Our solutions can support the business processes (workflows) related to:

Lending products

  • Credit Cards
  • Consumer Loans
  • Mortgage Loans
  • Overdrafts
  • SME Loans

Leasing products

  • Operational Lease
  • Financial Lease

Logistics operations

  • Warehouse identifications
  • On-the-road follow-up

Insurances

  • Auto insurance
  • Home insurance
  • Life insurance
  • Specific and rare types insurances

Banking operations workflows

  • Terms Changes
  • Partial & Early Prepayment
  • Credit Limit Increase/Decrease
  • Customer Relationship Management
  • Anti-Attrition Tool

Lending products

  • Credit Cards
  • Consumer Loans
  • Mortgage Loans
  • Overdrafts
  • SME Loans

Leasing products

  • Operational Lease
  • Financial Lease

Logistics operations

  • Warehouse identifications
  • On-the-road follow-up

Insurances

  • Auto insurance
  • Home insurance
  • Life insurance
  • Specific and rare types insurances

Banking operations workflows

  • Terms Changes
  • Partial & Early Prepayment
  • Credit Limit Increase/Decrease
  • Customer Relationship Management
  • Anti-Attrition Tool

Existing Data Retrieval

Our systems can interface existing (core) systems to retrieve information either in real time or via batch approach and to be performed auto population of data. Information updated also can be uploaded to the back- end system later on.

Credit Scoring

The use of credit scoring is a more systematic approach to make approval decision and is now generally adopted as the preferred credit granting approach. The credit scoring mechanism automatically calculates the score of an application based on the information entered and the score card used. Score card parameters can easily be changed with the built-in score card maintenance interface. Multiple score cards for different loan types are supported in our solutions.

Print-out Forms

Print-out forms are generated easily. automatically upon completion of certain task. Our solutions can integrate application data with pre-defined templates to generate and print contracts or any kind of forms without human intervention.

Reporting

There is a set of comprehensive reports provided within the systems. It includes MIS reports, progress reports, drawdown reports, workflow statistics reports etc. Moreover, our solutions can offer field reporting universe, allowing combination of all existing fields to be performed by the end user without administrators support, as well as data export in different file formats

Document Storage

With our solutions, paper documents can be scanned into the system once they are received. Then the electronic images are available and can be shared by all users immediately. All processing including verification, review and approval can be done with these electronic images displayed side by side with the application record on screen. This eliminates the delay in paper folder routing which is always the bottleneck in the application processing. Electronic folders, similar to paper folders, will be created for each individual application to hold images of all the forms and the supporting documents.

Status Enquiries

Our solutions provide advanced search criteria to allow users to making any kind of enquiries. In status enquiry, our systems can provide information on which work step where the application is situated at the moment. This is particular useful for customer service needs to handle enquiry from the customer. In addition, there is a work history associated with each application. It records down all the activities done on the application starting from when an application first enters the workflow till processing completes.

Agile Interfacing

Our systems are able to interface with any kind of system and on top of that not only to retrieve data, as well as to write data.

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