Gradatim MFResolve Digital Banking Platform

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Gradatim MFResolve® is a cloud-ready, comprehensive digital banking platform designed to enable banks and financial institutions to rapidly design, launch, and manage banking products and services through configuration rather than coding. This approach allows for swift adaptation to market changes, facilitating the introduction of new products targeting emerging markets. Key Features and Functionality: - Product Definition: Supports complete setup for retail, personal, micro, and SME lending products, with definitions utilized across loan origination, management, and transaction accounting. - Loan Origination: Provides a digital framework that streamlines mid-office and back-office operations during the loan origination process. - Credit Decisions: Features configurable settings aligned with organizational and product credit policies, integrating with external credit systems or third-party evaluations. - Collateral Management: Enables tracking of loan collateral, lien marking, task management, and market-value triggers throughout the loan lifecycle. - Document Management: Offers a centralized library for all products, processes, and compliance documents, facilitating a fully electronic loan file process. - Risk Rating: Allows for the assignment of risk grades based on potential loss exposure assessments prior to loan approval. - Relationship Management: Manages data for customers and all contacts involved in loan and account administration. - Channel Management: Oversees data for all intermediaries, including distribution and sourcing channels, with support for hierarchical organizational structures. - Payment Integration: Manages integration with various payment channels such as credit cards, debit cards, online banking, and mobile payments. - Financial Accounting: Facilitates financial accounting of transactions, loan processes, and collection management, including invoicing, journalizing, and integration with general ledger and payment systems. Primary Value and User Solutions: Gradatim MFResolve® addresses the challenges of growth, scalability, and digital transformation faced by banking executives. By offering a configurable, end-to-end solution, it enables rapid deployment of new products, reduces time-to-market, and enhances operational efficiency. The platform's flexibility allows financial institutions to adapt quickly to market changes, cater to digital-native customers, and establish a robust infrastructure for innovation and continuous improvement.