• ABLE Origination

    ABLE Origination system automates the lending process from A to Z.
    For banks and finance companies, for consumer and commercial loans.

    REQUEST A LIVE DEMO

Loan origination software system

ABLE Origination software system automates the entire loan origination process front-to-back. The solution can operate with little to no human interaction and provide personalised offers based on 360° customer view. Maximize portfolio revenue, while providing unparalleled customer experience.

15 minutes

From application to disbursement

2 months

Minimal implementation period

80%

Features are out of the box

100 %

Customisable platform

Trusted by Banks and Fintechs

Loan Application Processing Software

ABLE Origination solution has a modular basis and is highly configurable yet scalable to business requirements. The system automates the lending process at all stages:

  • Omnichannel application initiation
  • Data validation, integration with external data sources
  • Instant application decision and personalised offers
  • Debt consolidation, restructuring and customer negotiation capabilities
  • Loan disbursement automation

A credit origination solution for any product type

Retail loans

  • Cash loans
  • Credit cards
  • Refinancing
  • POS-loans
  • Mortgages
  • Auto-loans, etc.

Commercial loans

  • SME and entrepreneur financing
  • Investment lending
  • Credit lines
  • Overdraft
  • Leasing
  • Factoring, etc.
Loan application form

The agile platform for future growth

Powerful preconfigured features

  • Web forms for loan application data capture, verification and underwriting, credit committee
  • Extensible status model of the application, 15 statuses to be used out-of-the-box
  • Role-based access model, 400+ pre-configured permissions and 15+ roles 
  • Print form templates based on MS Excel
  • Administration, logging and audit functionality

Configurable Product catalog

  • For Retail, SME and Microfinance business lines
  • Flexible discounts and programs
  • Complex commissions calculations
  • Flexible collateral requirements 
  • Performance based pricing packages
New product
Auto-filling

Smart data capture

  • Online checks, auto-filling and masks
  • Background checks when submitting a form to the next step
  • Codebooks and search in the application history

Multichannel interaction with customers

  • 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

Personal offer calculation

  • Offer matrix calculation 
  • Selection and negotiation of loan terms with the client
  • 360° customer view for offer calculation
  • Restructuring and consolidation of loans

OCR and Documents recognition

  • Recognition of fields containing personal information in ID
  • Scanning of photos, stamps, holographic images
  • Matching of recognized information with the client’s profile
Text recognition

Application document management

  • Required documents attachment checks at every step
  • Tags for saved documents
  • Integration with existing document management system if required
  • Webcam integration for seamless client photo

Integration with 3rd party data and service providers

  • Integration with credit bureaus, pension and tax authorities/agencies, AML/KYC services and other services
  • Creation of a unified credit history report on the basis of reports from various bureaus and internal data repository
  • One page summary of various credit bureaus data
  • Caching of credit bureaus responses for cost optimization
3d party integration

Dashboards and analytical reporting

  • 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

The loan origination platform endorsed by the market

  • Solution performance proven by performance tests and live production environments
  • Positive references about the platform and implementation team
  • Capabilities of HA/DR and horizontally scale based on Redhat-stack

Smart application decisions. Personalised offer for every client.

Capable of fully automated loan application decisions

  • Hard and soft eligibility rules for products, regions, client segments etc.
  • Credibility and affordability estimation for applicants and related parties
  • Calculation of verification level, recommendations for underwriting and Credit committee involvement
  • Decision engine can be used for online and batch decisioning

Personal offer calculation based on client’s risk level

  • Risk based offer matrix calculation
  • Credit limit matrix calculation based on estimated risk level and lifetime value of the client
  • Different offers for various proof of income and employment
  • Integration with internal or external Product catalog

Visual UI for rules configuration

  • All decision components are 100% visual (scripts are also available but not necessary)
  • Rule configuration assumes Business and Risk team users with no IT team involvement
  • Online validation of new changes
  • Work groups support
  • Versioning, release management capabilities

Scorecards of any complexity, Machine Learning models

  • Unlimited number of scorecards and model versions
  • ML model support as separate components and as Python scripts
  • Import of any models supported by PMML standard
  • Dual-scorecard and multi-scorecard matrixes and models

360°Customer View for application decisions

  • Application data enrichment from internal and external data sources
  • Data enrichment calls directly from decision flow
  • Risk-based pricing, LTV-based pricing
  • Behaviour-based and Event-based pricing

Powerful validation and testing, optimal decision strategy calculation

  • Online and batch testing of changes
  • Champion-challenger capabilities
  • Scenario analysis, what-if analysis at portfolio level
  • Decision modelling and optimisation capabilities

Analytical reporting for loan portfolio and models stability

  • Multi-dimensional reports based on OLAP 
  • Efficiency analysis for decision strategies and models, including Champion-challenger set-up
  • Population stability analysis

Learn more about ABLE Origination

Find out how our loan origination system can streamline your lending business. Please leave your request and we will contact you to schedule a personal demo.