Solutions

OUR SOLUTIONS

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

The 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:
  • Leasing products
  • Operational lease
  • Financial lease
  • Logistics operations
  • Warehouse identifications
  • On-the-road follow-up
  • Lending products
  • Mortgage loans
  • Overdrafts
  • SME loans
  • Credit cards
  • Consumer loans
  • Banking operations workflows
  • Terms changes
  • Partial & Early Prepayment
  • Credit limit increase/decrease
  • Customer Relationship Management
  • Anti-Attrition tool
  • Insurances
  • Auto insurance
  • Home insurance
  • Life insurance
  • Specific and rare types insurance

WEB DEVELOPMENT

  • Expert CMS Solutions – We specialize in WordPress and custom CMS platforms, ensuring easy content management and scalability.
  • SEO-Optimized Development – Our websites are built with SEO best practices, including fast loading speeds, clean code, and mobile optimization, helping you rank higher on search engines.
  • Custom & Responsive Designs – We create visually stunning, user-friendly, and fully responsive websites that deliver seamless experiences across all devices.
  • E-Commerce Excellence – We develop high-performing online stores with secure payment gateways and optimized checkout experiences.
  • Performance & Security – Our development approach prioritizes speed, security, and reliability, ensuring a smooth and safe browsing experience for your users.
  • Seamless Integrations – We connect your website with essential tools like CRMs, analytics, APIs, and third-party services for enhanced functionality.
  • Ongoing Support & Maintenance – We provide continuous updates, troubleshooting, and performance optimization to keep your website running at its best.

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 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.

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.

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.

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.

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.