Industry Solutions

Ké Concepts have extended our CreditEase offering even further to provide industry-specific solutions that cater for specialised segments within the financing market:

Micro Finance

CreditEase Micro Finance applies the powerful CreditEase application suite in a micro-lending environment and is currently being used by a number of leading financial organisations across the African continent. The suite has evolved to encompass the entire lending lifecycle including origination, risk assessment, disbursement, debtors and contract management, receipting, delinquent debtor rehabilitation and the associated legal business processes.

The CreditEase Micro Finance Edition offers tight integration with a host of credit bureaus and convenient automated collections through numerous financial institutions and government and private payrolls across Africa.

The origination module has been recently upgraded to offer credit providers additional routes to market, including a self-service mode via the internet, in store, telephonic, SMS, in the field, or using the embedded offline capabilities.

DOWNLOAD A MICRO-FINANCE BROCHURE

    DOWNLOAD A MICRO-FINANCE CASE STUDY

Back to top.

Secure Home Loan

CreditEase Secure Home Loan is an alternative home loan solution. It enables lenders to grant loans to beneficiaries seeking finance for home-related expenditure using a pension fund as security. The solution provided makes extensive use of workflows embedded within the CreditEase suite to ensure that lenders have all the necessary documentation and securities in place before disbursement takes place. Complete integration to the fund is enabled using a Microsoft® BizTalk Server.

Furthermore it handles the additional complexities of settling existing loans prior to the disbursement of funds. The solution builds on existing debt order and payroll collection functionality to streamline the receipting of the monthly installments and associated fees.

Back to top.

Structured Finance

The CreditEase Structured Finance Applications Suite combines latest technology with a wealth of experience to empower lending organisations to align financial instruments to their clients’ available cash flows, utilising the most appropriate business processes.

The CreditEase origination module boasts a powerful set of calculators, which provide unprecedented flexibility to lenders in structuring their deals to suit their clients’ requirements. Deals can be structured to include disbursement schedules across multiple time periods, capitalised fees, deposits, repayment intervals, special payments, escalations, capital or interest moratoriums, fixed, linked or tiered interest rates, as well any number of cyclical fees. Multiple scenarios can be defined until an agreement is reached. The module then creates all the relevant agreements for signature and routes the deal for approval.

Facility management is a key feature in managing exposure and provides a credit limit umbrella under which a portfolio of products can be offered and managed. Collateral and asset information can also be recorded and tracked as part of the contract lifecycle process.

The ability to record, manage and relate any number of counterparties to a deal means lenders can review exposure and other contract information across multiple entity dimensions such as funder, surety, agent, supplier or administrator.

DOWNLOAD A STRUCTURED FINANCE BROCHURE

    DOWNLOAD A STRUCTURED FINANCE CASE STUDY

Back to top.

Vehicle Finance

The CreditEase Vehicle Finance Solution is designed around our deep understanding of individual, corporate and commercial vehicle finance needs. It provides risk management, debtor’s management and collections management for current and future vehicle finance deals.

Ké Concepts have effectively leveraged our insight into the vehicle finance industry’s challenges to create a solution that provides the flexibility of individual deal structuring or controlled product structuring, as well full credit vetting via full integration with credit bureaus. It is also fully compliant with NCA (National Credit Act) requirements.

Back to top.

Equipment Leasing

TAs South African companies continue to place greater emphasis on cash flows and how best to manage resources, local equipment leasing and rental agencies need to offer solutions with real value. Consumers are demanding greater flexibility and more tailored products, and Ké Concepts is leveraging our development skills to continually deliver new products to our existing client base.

CreditEase Equipment Leasing meets the demands of both the local and international asset-based financing and equipment leasing market, taking into account the complexity and additional functionality requirements now prevalent in this industry. For example, CreditEase offers web-based loan origination from various global hardware platforms, adjusts quickly to the newer, more flexible methods of credit scoring, and offers excellent integration with credit bureaus.

TCreditEase Asset Finance supports this market’s need for a cradle-to-grave solution that is able to merge seamlessly with CRM components, contract management, sophisticated leasing and loan accounting management components, general ledger, collections and finally asset management.

Back to top.

If you would like to arrange a software demonstration please request a demo and a member of the Ké Concepts team will contact you immediately to arrange a convenient time.

Alternatively, if you would simply like some further information, please request a callback.