Introduction to SmartCheck Platform
Our Universal Lending Solution is a cutting-edge software platform, designed to empower lending companies with a comprehensive suite of tools and capabilities to streamline their operations. At its core, our solution encompasses every facet of lending, from Loan Origination, Loan Assessment, Loan Management, Collections and Reporting.
Our platform is highly configurable, allowing you to tailor it to your unique business models and processes, ensuring a seamless fit with your specific needs.
Designed to operate independently, but also act as an extension to your existing financial technology, our solution easily integrates with third-party services and systems, enhancing efficiency and connectivity within your fintech ecosystem.
Platform Capabilities
• Configurations and Settings: Manage user access, system settings, and organizational structure.
• Product Configuration: Configure loan products, repayment plans, and promotional campaigns.
• Loan Origination: End-to-end process from KYC to loan disbursement.
• Loan Management: Tracking payments, managing loan accounts, and handling any modifications.
• Notification management: Automated notifications via SMS, Viber, Email, and Push.
• Comprehensive Reporting: Detailed reports on portfolio, collections, sales, and credit bureau data.
Loan Origination
• Products Definition
• Configure Product Characteristics
• Promotions
• Configure Promotions and Campaigns
• Client Identification
• Manual KYC
• KYC by payment instrument (Card, IBAN)
• Automatic KYC
• Credit Application
• Create custom application forms
• Application form custom field validations
• Application forms embedding and visualization in custom websites and mobile apps
• Approval
• Pre-approval process support
• Auto-approval custom rules configuration
• Manual approval
• Internal client scoring (R-models)
• External client scoring (integration)
• Client score-based credit decision suggestions
• External client data sources support (integration)
• Sharing of client data checks between companies
• Customizable visualization of client data by source
• Documents
• Dynamic definition of document sets and visualization
• Document templates creation
• e-Document storage - digital archive
• e-Document signing (SMS, picture of signature)
• Document e-signing
• Public document links (option for download by the client)
• Disbursement
• Cash disbursement (office, CC)
• Manual IBAN, Card disbursement (integration)
• Automatic IBAN, Card disbursement (integration)
Loan Management
• Credit Management
• Loan account management
• Cash disbursement
• Visualization of credit-related data
• Visualization of person-related data
• Credit completion
• Reporting
• Generation of custom reports by the business (Power BI)
• Loan performance reports
• Financial analysis
• Client Communication
• Visualization of messages (integration)
• Custom messages (integration)
• Messages per event (approved/rejected etc.)
• Sales and marketing notifications
• Multi-channel support (SMS, Viber, Email, Push notifications)
Collection Module
• Monitoring overdue payments and managing delinquent accounts
• Initiating recovery actions for overdue loans
Compliance
AML (Anti-Money Laundering)
• Transaction Monitoring:
o Continuous monitoring of transactions to detect suspicious activities.
o Integration with sanction lists (PEPs, Black Lists).
• Customer Identification Management:
o Verification of customer identities using reliable and independent data sources.
o Document OCR for efficient data extraction and validation.
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GDPR (General Data Protection Regulation)
• Data Anonymization:
o Ensuring personal data is anonymized to protect customer privacy.
o Implementation of measures to secure personal data against unauthorized access.
• User Management:
o Control over user access to sensitive data.
o Implementation of policies for data protection and privacy.
• Consent Management:
o Ensuring that customer consent is obtained for data processing activities.
o Maintenance of records for consent and data processing activities.
