Digitise and automate the entire credit process, from application to the approval decision through to disbursement and repayment tracking.
Our software drives loan origination from end to end, from the application and document sharing through to credit scoring, the approval decision, disbursement and repayment tracking.
Software built, deployed and operated by Intervalle, integrated with your core banking.
From reviewing a credit application to the decision and scoring engine, see the credit lifecycle as it is run on the back-office side, all in a single tool.
On the bank side, the analyst finds the applicant's consolidated file, works through the document and compliance checks, then verifies income and debt ratio before sending the file to the scoring engine.
The credit score breaks down factor by factor, checked against your approval rules. The approval decision is proposed automatically, ready for the analyst to confirm or revise.
From application to disbursement, a controlled, fully traceable credit lifecycle.
Credit application intake and secure sharing of supporting documents, online and centralised.
Identity verification and politically exposed person screening on every file.
Credit score computed factor by factor and an assisted approval decision, fully transparent.
Loan allocation and fund disbursement automated as soon as the approval decision is confirmed.
Repayment schedule, instalments and alerts tracked in real time throughout the life of the loan.
Configurable review workflows and approval rules applied automatically at every step.
Accelerated, objective and fully traceable decisions.
Files reviewed and scored faster, without unnecessary manual steps.
The credit score computed automatically, factor by factor, on a single foundation.
Systematic checks that make every credit file more reliable.
Approval rules applied the same way to every file.
Funds allocated and disbursed without re-keying as soon as the decision is confirmed.
Full visibility over repayments, due dates and alerts.
Indicative figures, varying with context and scope.
A controlled rollout, from requirements to ongoing operation.
Analysis of your credit policy, your approval rules and your review journeys.
Setup of scoring, KYC and PEP checks and approval workflows.
Connection to the IS, data migration and go-live.
Run, scoring optimisation and steering of the credit lifecycle over time.
Six stages of the customer lifecycle — from onboarding to collections, through to improving the customer experience — resting on a cross-cutting automation and data foundation that connects them and improves them continuously.
From the first interaction to account opening: a smooth, compliant onboarding, for individuals and businesses alike.
Learn more →Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.
Learn more →Secure, compliant payment journeys: electronic wallet, mobile banking and card switch.
Learn more →Two dimensions under control: credit risk throughout the loan lifecycle, and balance-sheet risk (ALM, capital) steered at the bank level.
Credit lifecycle automation is this financing stage.
Learn more →In the event of default, our solution automates the collections process — through to litigation management where needed.
Learn more →Data and automation in the service of the relationship: anticipate churn risk and deliver ultra-personalised experiences that boost satisfaction and revenue.
Learn more →Take Adam Wolfe's file, a business owner seeking a business loan. His application and documents are submitted online, KYC and PEP screening are automatic, scoring makes the approval decision objective and, once confirmed, allocation and disbursement follow on before repayment tracking begins — from application to financing, without a break.
Request a demo: we show you how to automate loan origination, credit scoring, the approval decision, disbursement and repayment tracking. Leave us your details and an expert will get back to you.