Time is money

aLOS - Loan Origination System

aLOS is the software for automated loan origination process and credit cards issuing. Basic suite comes with a relational database and user-friendly interface which makes the system both robust and extremely easy to use.. With a combination of standard and customer-specific web screens, aLOS users can submit loan applications, view initial decisions based on point score, print necessary documents, search existing loan requests...

Basic features:

1. credit scoring calculation (in cooperation with Statistical Decisions UK)
2. in total compliance with NBS regulations (EIR calculation, printing of payment schedules, contracts and accompanying documents)
3. communication with Credit Buerau
4. communication with NBS website to verify if company account is blocked
5. reporting
6. statistical analysis
7. realtime reporting for all decision making participants about pending tasks that need to be executed in order to speed up client request route from various statuses to final decision
8. generating proposal sheet document (based on credit score, DTI etc.)
9. fraud detection
10. blacklists
11. multiple criteria search
12. adding scanned documents to specific items
13. knowledge management
14. targeted marketing campaigns
15. letter printing

aLOS is a web application and it can be accessed via company's intranet using any popular web browser which simplifies distribution to branch offices.

System is protected with username and password, and there are six levels of user access. Application Processing System can be delivered with pre-defined score card.

System has modular concept that allows users to combine basic module with necessary add-ins and to integrate it with with other systems that exist in the company.

technologies: ASP.NET 2.0, MS SQL Server 2000, AJAX

REFERENCES

• National Bank of Greece, Belgrade, Serbia
• Vojvodjanska banka, Novi Sad, Serbia

SMS Banking

In cooperation with the partner company – LMG Litesphere – we offer SMS Banking system to financial institutions.

Our clients can use both types of commercial SMS - Push and Pull.

Typical push SMS services include:

- periodical account balance reporting
- payment notifications
- successful or unsuccessful execution of a standing order
- large value withdrawals from an account
- large value withdrawals from ATM or POS
- report about credit card usage abroad
- loan debt collection - info on outstanding debt

Typical pull SMS services include:

- account balance enquiry
- mini statement request
- electronic bill payment
- transfers between customer's own accounts (e.g. moving money from a savings account to a current account)
- deactivating lost/stolen credit or debit cards
- foreign currency exchange rates enquiry

SMS Banking system can be delivered along with aLOS software.