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Loan Origination Solution

ABLE Origination platform automates the lending process from A to Z. Ideal for banks and alternative lenders alike, for consumer and SME lending.

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ADVANTAGES

ABLE Origination in action

ABLE Origination platform 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.

Speed

<15 min

from application to disbursement

Time to Market

Months

minimal implementation period

Efficiency

x 7

growth of productivity

Flexibility

100%

customisable platform

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CUSTOMERS

Trusted by banks and fintechs

ABLE covers the needs of bank loan software, cash loan software, installment loan software, personal loan software, small loan software, and more. Tier 1 and Tier 2 banks and microfinance institutions use our solutions to ensure a continuous and high-quality lending process.

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ABOUT ABLE

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:

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  • 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

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TYPES OF PRODUCTS

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.

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FEATURES

The agile platform for future growth

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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 offer programs

  • Complex commissions calculations

  • Flexible collateral requirements 

  • Performance based pricing packages

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.

  • Chat bots

  • 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 customer 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

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 photography

Integration with 3rd party data and service providers

  • Integration with credit bureaus, pension and tax authorities/agencies, AML/KYC services and other systems

  • Creation of a unified Credit report on the basis of reports from various bureaus and internal credit history

  • One page summary of various credit bureaus data

  • Caching of credit bureaus responses for cost optimization

Dashboards and analytical reporting

  • Extendable operational dashboards and analytical reports

  • Real-time information feeding 

  • Web-based OLAP analytical reporting

  • Capability to apply Machine Learning models for pre- and post-processing of reports

The platform endorsed by the market

  • Solution performance proven by performance tests and live implementations

  • Positive references about the platform and implementation team

  • Capabilities of HA/DR and horizontally scale based on RedHat-stack

Achieve great results in 12 weeks or less

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RISK DEPARTMENT

Smart application decisions. Personalised offer for every client

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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

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