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Cards, money, Credit::eCSpert |
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Thursday, 11 June 2009
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Putting into commercial operation of the Credit::eCSpert Card Lending subsystem has been completed at Kredobank OJSC
The CS Company continues saturating the functionality of their products. From now on, the Credit::eCSpert system capabilities include automation of card lending.
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The Card Lending module has successfully passed the test operation period at the Bank and was highly estimated by the Bank management, IT-specialists and even by end users - transaction officers, Call Center employees, all levels verifiers.
Development and implementation of the subsystem synthesized the customer's desires with experience of the CS Company developers. The work performed resulted in the product enabling complete automation of the card lending process: from filing a loan request to its automatic processing in the ABS B2, at a processing center, the eFOUR Joint Register of Customers.
The time spent for the loan request processing has been minimized:
- The loan calculator helps to choose the loan program with terms and conditions best suited for the customer;
- The customer is preliminarily qualified at the stage of the request form completion, thereby cutting off known unreliable borrowers before the request form is presented for consideration;
- All the request verification stages are automated (call history for the Call Center, scoring and the customer's financial rating for loan experts);
- The loan disbursement according to the approved request passes through the Joint Register of Customers in the eFOUR system;
- The eFOUR system automatically opens a transaction in the ABS B2 and initiates a card issuance in the SmartVista card processing;
- The system enables generating, scanning and saving all the required printed documents, arising in the course of the request processing (questionnaire, loan agreement, minutes of the Loan Committee's meeting, loan disbursement authorization etc.).
We hope that implementation of the Card Lending module at one of the largest Ukrainian banks means that we have passed yet another stage on the way toward overcoming consequences of the crisis, and we will soon see resuming lending activities in the entire market of banking services.
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