Specification

Integration with layout (developed by our team or by customer).

Allows to confirm access of the potential borrower to the entered communication sources (phone number, email).

FIAS Integration.

Editting data at the entry stage (for example, editting the salary value after having entered it), information about client's device, browser, screen resolution, detection of the actual location by IP (there is personal IP mapping service)

This service allows to define fraud clients by comparison data from new request with data stored in database and to consider user behavior model as well. System provides about 20 different rules

This service allows to identify client by receiving data from credit bureaus, to make decision for client request considering his credit history from different commercial banks and to form internal client credit history as well.

Automatic formation of borrower documents (contracts and consents) for following entities: a new loan, prolongation and refinancing. As well as letters with pay requirements, court orders and claims.

Client can view and edit personal information thorugh personal account.

View information on current and latest loans, submitted applications and payments, signed documents and bonuses.

Loan repayment options are available through integrated payment systems in the personal account.

Early and partial loan repayment without any limitations.

Allows to apply for a repeated loan (without completing personal data) through personal account.

Allows to extend a loan through personal account, as well as to sign an offer.

Bonus account, system for accruing and writing off bonuses. Following bonus programs are provided: invite a friend or repay the loan on time and get bonuses.

Display of information about overpayments and possibility of using overpayments to close a loan.

Automatic SMS notification on certain activity, including approval and refusal, prolongation, refinancing, delay, bonuses, access to personal account and much more (you can turn on/off notifications in settings).

Automatic Email notification on approval and refusal, prolongation, refinancing, delay, bonuses, access to personal account and much more (you can turn on/off the notifications in the settings).

The mechanism of creating promocodes and fields for their input, as well as for customer unique offers.

Integration with Ariuspay, Yandex.Kassa and more. You can choose one gateway for usage.

Verification of the client bank card through charging required amount of money; this function works with a limited number of payment gateways.

Integration with the payment system "Contact" (loan issue at the sale points, payment cancellation and refund, payment status).

Integration with the payment system "Korona Pay" (loan issue at the sale points, payment cancellation and refund, payment status).

Integration with Yandex.Money (payment, identification of the wallet holder, payment status).

Integration with Yandex.Kassa for payment on account.

Automatic check of the payment system balance, notification with minimum balance, shutdown if necessary.

Integration with Payonline, Ariuspay and Yandex.Kassa. You can choose one gateway for usage.

Integration with payment system "Contact" for loan repayment at the sale points

Integration with payment system "Korona Pay".

Integration with Yandex.Money (repayment through wallet).

Integration with QIWI (repayment through payment terminal and electronic wallet).

1C Integration for data exchange between systems in case of direct money transfer to company bank account.

Acquiring credit history of a potential borrower.

Automatic export of borrower credit history back to credit bureau (helps to reduce the cost of the request), correcting export options.

Verification of a potential borrower based on information from the Information Committee, without a remark on request in the credit bureau.

OKB antifraud service.

Acquiring credit history of a potential borrower.

Automatic export of borrower credit history back to credit bureau (helps to reduce the cost of the request), correcting export options.

Acquiring credit history of a potential borrower.

Automatic export of borrower credit history back to credit bureau (helps to reduce the cost of the request), correcting export options.

Acquiring credit history of a potential borrower.

Automatic export of borrower credit history back to credit bureau (helps to reduce the cost of the request), correcting export options.

Acquiring data of debts from the Court Bailiff Service.

Helps to find out whether the card is a credit card, what bank issued by, type (visa or mastercard) and more.

Gives you information of the phone plan payments. This service is a phone verification analogue, which allows you to find out whether this phone number is being used and what kind of payments were made.

Authentication of the customer's personal data. In addition, it gives data on both the administrative and legal violation.

Includes personal information from such social networks as Moy Mir, Odnoklassniki, VKontakte and Twitter.

Terrorist Database. Automatic updates are provided.

Lost Passport Database. Automatic updates are provided.

Possibility of automatic removal or consolidation of doubles in the credit history. Preliminary information preparation from several sources.

Analytics information from Finkarta service, including such information on whether the client has applied for a loan in other MFO (including loans in the other person name), loan amount and more.

Integration with Individual Bankrupt Search Service.

Flexible configuration of automatic, semi-automatic and manual decision making, including the sequence and necessity of requesting information sources, additional services, stop factors, scoring (based on a group of parameters), and a test check.

Flexible configuration of the following loan parameters: interest rate, amount, term, annuity payment and availability of collateral and more.

Allows you to edit all the system directories through a special interface.

Parameters of working with payment systems, credit bureaus and partner services.

Allows you to edit messages and the sending forms (layout).

Allows to edit, add and remove verification questions, which can be displayed either as a result of the strategy (automatically) or manually.

Allows to provide flexible roles configuration for individual groups of employees, including the "field of vision", tasks and sections.

Configuration of the cost of a single bonus program, bonus course, enabling and disabling of various bonus programs, the ability of repayment with the bonuses, and also maximum limit is provided.

Creating the employees profiles.

Receiving applications from lead generators, such as: CityEds, LinkProfit, LeadGid, Lead.su and others.

Allows to pay the loan advance (for surety lending).

Different values ​​of the interest rate at different stages of the loan life.

Allows to quickly adjust the maximum amount of debt.

On working days and holidays.

Including information on requests, loans, payments, borrowers, reports, tasks and collections.

Allows to edit information entered by a borrower or an employee.

Bonus charging without taking part in a bonus program.

If necessary and available, the employee can perform this function for the customer to repeat any payment from the system.

Allows to create a loan request and register client in the system through the employee user account.

When referring to the court, customer refusal and in other similar cases.

Depending on the role, the employee automatically receives tasks.

Standard management reporting and statistics.

Workflow distribution among the employees, both within the organization and transferring borrower experience to external partners, fixing the results of interaction with borrower through all the information sources, tasks assignment.

Flexible Manual Message Sending through Email and SMS.

VoIP integration for storing information on the details of the call, conversation records assignment to the customer and more.

Allows to create lists for transferring to the external collector, view the lists and store results.

Distribution (Soft, Hard), the collector interface (task assignment, result storage, adding contacts), the supervisor interface (application distribution onto Collection).

Including the separate strategy configuration.

If decision is made automatically or decision is a refusal, such decision can be changed.

Including the statement of debt and more.

Loan prolongation through the employee account.

In accordance with the customer information.

Automatic display of the customer photo into the profile in the manager account.

Integration with 1C due to the company requirements, including development for company accounting software as well as formation and transfer information of the Marginal Lending Rate (MLR) and reserves.

Data transferring for reporting to 1C regulatory authorities.

Description of the database and the technical ability to connect the database to the analytics services.