Omni-channel loan applications
Your clients want to have complete freedom when applying for a loan – whenever and wherever convenient. Thanks to our solution, they can apply online, through the mobile application, by calling the call center or in a bank division and the system will automatically record their progress and allow the process to be continued on any device.
Flexible creation of loan forms
Intuitive interactive loan forms, designed in conformity with the best UX/UI practices, eliminate unnecessary steps and reduce the number of abandoned applications. You can also adjust the content and scope of the required information depending on the client profile and bank offer which allows the sales process to be personalized.
Recording of loan applications and collecting the required documents
The solution ensures a transparent, ergonomic and automated electronic loan application form which is integrated with bank systems. This enables a loan application to be filed without the need to prepare an application in hard copy manually. Verification of whether documents are complete is ensured by checklists automatically generated by the system which make it easier to contact clients directly on a regular basis in order to supplement missing or outdated documents. When a loan application is filed, the system automatically checks the client in the databases required by the bank policy, e.g.: BIK, BIG, MIG DZ, KRD, KRS/CIDG (credit information bureaus, central registers of debts and debtors, central register of companies and businesses) or other registers with which the process can integrate easily.
Risk analysis – better loan decisions
Automation of a loan granting decision using a decision engine significantly reduces the time needed to take a decision and ensures that risk assessment is more accurate. It supports the work of analysts and the remaining steps of the loan granting process. Thanks to the decision engine, a loan granting decision may be taken fully automatically. The solution makes it possible to evaluate the client’s creditworthiness, to define optimum conditions of financing and automatically generates the required documents. Thanks to advanced analysis of data, the system identifies potential risks already at a very early stage of the process, which allows banks to take more accurate decisions and minimize potential losses.
Generating and signing agreements
The loan process enables the required documents e.g. an application, a loan decision, a loan agreement, a collateral agreement or an assignment agreement, to be generated automatically. Documents can be signed electronically (advanced electronic signature or qualified signature) by all parties to transaction.
Registration in bank system and disbursement of funds
Thanks to comprehensive experience in integration with central systems and bank support systems, the loan granting process on the Ferryt platform ensures fully automatic registration of client data, transaction data, collaterals, etc. posting in accounting books, disbursement and transfer of funds from the loan to specified bank accounts.
After-sales operations – complete control over loan handling
Automation of loan processes does not end once loans are granted. It also supports after-sales service, ensuring tools for active loan management for banks. The system enables key operations to be performed, such as drafting of annexes to agreements, disbursement and payment of further instalments or current monitoring along with fast generation of reports.
Our predefined solutions ensure support of different loan categories for various entities
- cash loans
- instalment loans
- mortgage loans
- credit cards
- overdrafts
- client-based limits
- working capital loans
- investment loans
- other
As a result, they fulfil the needs of various clients
- retails clients
- micro enterprises
- small and medium sized enterprises
- corporate entities
- farmers
- local government units
- other
