Specification

Automatic formation of documents for the borrower or for the investor.

Client can view and edit personal information thorugh personal account

View information on current and latest loans, opened and closed deposits, submitted applications and payments, signed documents and more.

Loan repayment and money transfer through integrated payment systems in personal account

Early and partial loan repayment without limitations or with particular limitations.

The initial rating of the Borrower is formed in personal account. After completing the full list of fields, the Borrower can receive investments at a lower interest rate (the interest rate depends on the results of automatic scoring)

Allows to prolong a loan through personal account, to sign an offer, as well as allows investors to accept prolongation

Bonus account, system for accruing and writing off bonuses

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 notifications. The function is configured upon the consumer request

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

The algorithm is determined by the customer

Multi-investor financing of a single loan

Formation of loan packages for investment in accordance with the customer algorithm

Analytical statistics and detailed reports for the investor

Analytical statistics and detailed reports for the borrower

Flexible configuration of automatic, semi-automatic and manual decision making (without programmer involving), including the sequence and necessity of requesting information sources, additional services, stop factors, scoring (based on a group of parameters), as well as a test check for rating formation and loan approval

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

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

Allows to edit messages and the sending forms (layout)

Allows to perform a customer verification and add appropriate tags for verified customers

Download data from the database through a special interface

Allows to perform flexible 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 using bonuses and maximum limit are provided

Creating the employees profiles

Integration with 1C due to the company requirements, including development for company accounting software

For example, integration with Deductor, as well as downloading a CSV file from the database are provided

Allows to confirm contact information on the potential borrower/investor (phone number, email)

Integration with FIAS

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