Decrease of bad debt portfolio by effective pre-collection and early collections treatments.
Boost average customer profitability by pre-approved loans, event-based personalised offers with geo-tagging, and regular adjustments of credit limits and rates.
Increase customer loyalty by providing targeted proposals as a quick reaction to the client’s situation change, through all available channels.
Cash loans
Credit cards
Refinancing
POS-loans
Mortgages
Auto-loans, etc.
SME and entrepreneur financing
Investment lending
Credit lines
Overdraft
Leasing
Factoring, etc.
You can many goals by applying ABLE Monitoring software in your financial organizations.
Tailored to the needs of banks and microfinance (credit unions, leasing and much more)
Target promotions and cross-selling by determining the next product to offer the customer, and the best channel to make the offer. You can cross-sell more effectively, build customer loyalty, and target solicitations to low-risk, profitable customers.
Accelerates pre-collection and collection treatments on higher-risk customers, while lower-risk customers are given time to self-correct. Increases collections effectiveness, reducing both collections costs and losses while maintaining customer satisfaction.
Identifies the total credit line to be extended to an account or borrower, which improves profits by expanding the buying power of your best customers, while limiting exposure from those that are riskier.
Targets pricing adjustments based on customer behavior, acting not only to invoke punitive pricing when permitted by your service agreement(s), but also to increase revenues by stimulating increased usage.
Allows fast real-time decisions on shadow limits for point-of-sale transactions using 360 customer view, which grows revenue and improves customer satisfaction.
Any other decision area can be configured for event-based loan monitoring and treatment in ABLE Monitoring solution.
100+ positive and negative event triggers are weighted and aggregated into indicators for more holistic customer level decisions and actions
Early warning indicator examples: default with other lenders, bankruptcy, collateral status, covenant breach
Events cover client and related parties, collateral and covenant state, internal transactions and balances, external data sources (bankruptcy, litigation, triggers from credit bureaus) and media
Geo-location events based on mobile devices data and transaction location
Real-time and batch event detection and processing
UI for manual decision-making and actions in ‘gray zone’: 360° customer snapshot screen, history of events and actions
Personal tasks and group queues, supervision functionality
Role-based access model, pre-configured permissions and roles
SMS, email, push notifications at internet banks and mobile banking apps
Internet chats: WhatsApp, Facebook, Telegram, Viber, etc.
Two-way communication with a client
Flexible scenarios taking into account the last customer events
Universal API for integration of partner solutions
Integration with credit bureaus, pension and tax authorities/agencies, AML/KYC services and other providers
Workflows to process outgoing and incoming messages
Caching of external data providers responses for cost optimization
Configurable OCR for document recognition
Calendar for required documents checks
Tags for saved documents
Integration with existing document management system if required
Business user friendly UI for rule configuration
AI predictive models hosting for pattern recognition and non-standard behaviour identification
Strong testing capabilities, including scenarios and champion-challenger functionality.
Extendable operational and analytical dashboards
Real-time information feeding
Web-based OLAP analytical reporting
Capability to apply Machine Learning models for pre- and post-processing of reports
ABLE Monitoring solution provides business users with extensive loan monitoring capabilities over retail, SME, and corporate portfolios and enables lenders to more profitably manage customer and account relationships.
from application to disbursement
minimal implementation period
growth of productivity
customisable platform
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