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.
from application to disbursement
minimal implementation period
growth of productivity
customisable platform
ABLE Platform as a loan origination system, 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 loan origination solutions to ensure a continuous and high-quality lending process.
ABLE Origination solution has a modular basis and is highly configurable yet scalable to business requirements.
Our banking loan origination software automates the lending process at all stages:
Cash loans
Credit cards
Refinancing
POS-loans
Mortgages
Auto-loans, etc.
SME and entrepreneur financing
Investment lending
Credit lines
Overdraft
Leasing
Factoring, etc.
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
For Retail, SME and Microfinance business lines
Flexible discounts and offer programs
Complex commissions calculations
Flexible collateral requirements
Performance based pricing packages
Online checks, auto-filling and masks
Background checks when submitting a form to the next step
Codebooks and search in the application history
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
Offer matrix calculation
Recognition of fields containing personal information in ID
Scanning of photos, stamps, holographic images
Matching of recognized information with the client’s profile
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 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
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
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
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
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
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
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
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
Online and batch testing of changes
Champion-challenger capabilities
Scenario analysis, what-if analysis at portfolio level
Decision modelling and optimisation capabilities
Multi-dimensional reports based on OLAP
Efficiency analysis for decision strategies and models, including Champion-challenger set-up
Population stability analysis
“Very mature solution for loan origination and servicing that has rich features and a powerful decision engine.
Fast deployment within 3 months, a lot of features are available out-of-the-box. The platform automates the entire loan origination process front-to-back. Gave about 558% improvement in productivity. Availability of multichannel interaction with customers like chatbots, messengers, etc.”
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