Make your loan origination as easy as possible, support individual requirements of different customer groups, and provide customers with an ongoing support and immediate response to their needs from any place at any time. Build an advanced Loan Management Ecosystem, automate each step of a customer journey, and provide your customers with a seamless and positive customer experience.
Working in the mass market of retail loans often means having to deal with a large amount of typical requests for relatively small loans. To effectively process the significant application flow and stay competitive, lenders need to create a reliable technological platform that can help them to automate loan origination procedures, manage risk across the credit portfolio, quickly take loan decisions, create new products and smartly customize the origination underwriting.
It rarely happens that the corporate lending department offers standard credit products – business customers borrow larger amounts and require an individual approach, and the bank needs to customize and propose the best solution for each specific business task. A higher level of risk due to larger loan amounts is another important peculiarity of the corporate lending. Rely on the modern Digital Q LOS solution to handle the risk properly and deliver to your customers personalized high-quality services.
SME loans are relatively small, but they cause higher administrative expenses and require more human resources than other types of lending. Many owners of SMEs are hard to reach since they are located in remote rural areas. In addition, the lender has to handle a lot of financial information to take a right decision and mitigate risks. Streamline these procedures, reach remote customers and facilitate the whole SMEs lending process with modern technological tools and features offered by Digital Q LOS.
Microfinance services to poor and low-income households and their businesses, often known as micro-enterprises, plays a critical role in reducing the poverty. Embrace this wide customer group, reach your remote customers and smartly orchestrate your loan origination and management processes with the broadest range of advanced tools provided by the Digital Q LOS solution.
Quick registration of applications and entering of complex financial reports through integration with web cameras, scanners, ID scanners, specialized banking equipment, document capture and recognition software
Enhance your lending business processes with valuable tools provided by the broader Digital Q Loan Management Ecosystem. The ecosystem supports post-sale borrower servicing and management of credit contracts and helps streamlining your overall sales process
Loan origination and processing through various service channels: bank branches, bank agents, ATMs, contact center agents, the website, Internet/mobile banking applications or other channels.
Consistent information on the customer and his/her service history, products and services in all channels.
Channel blending, easy switch from channel to channel (an application can be created in one channel, continued in another, and completed in a third one).
Intuitive modern interfaces that feel identical in all channels.
Easy deployment of services and pre-set scenarios in all channels.
Easy configuration and customization of business processes with pre-integrated visual modelling tools designed for no-code process configuration. All steps and checks can be configured as a sequence or as parallel activities and completed either automatically or manually.
Quick setup of product parameters with flexible front-office tools and settings.
Flexible setup of automatic and manual scoring procedures and check scripts.
Setup of loan application stages by the bank with the use of inbuilt Digital Q editors and wizards.
Ready-to-use business schemes that allow custom configurations.
Support of standard and individual loan terms and conditions.
Flexible product customization for different customer groups and packaged deals.
Operation Over Low Bandwidth Connections
Minimization of Java scripts, CSS and HTML files, traffic optimization technologies for high availability even in case of poor internet connection.
Visual No-Code Modelling
Pre-integrated visual modelling tools for no-code process configuration. All steps and checks can be configured by business users without coding. They can be presented as a sequence or as parallel activities and completed either automatically or manually.
Enhanced User Experience
No need to train users with the intuitive user interface, easy navigation, support of hints, reference lists, filters and step-by-step wizards. Easy input of data and pre-population of fields with data from other information systems. The system guides the user through each step of a business process, highlights mandatory fields and verifies all forms to avoid human errors.