Ké Concepts Products

The CreditEase Application Suite is a modular, n-tiered service-oriented application distributed over a number of technology layers. It effectively leverages leading Microsoft technologies within a credit management and lending context, balanced by a wealth of financial and technical experience to ensure relevance and functionality.

CreditEase offers lending organisations a complete cradle-to-grave loan management solution, with impressive depth of functionality at each stage of the credit management life-cycle. CreditEase equips your organisation with a proven suite of processes that streamlines and automates multiple business functions. Spanning a range of financial products, and supporting multiple routes to market, the solution is geared to help lenders grow market share.

CreditEase displays a proven ability to integrate with existing, legacy solutions and its familiar Microsoft-based look and feel adds to its user appeal. Simple to deploy and easy to scale (both upwards and downwards) it has been designed with the African loan landscape in mind.

The Front Office (Origination) is designed to streamline, automate and manage origination, risk assessment and disbursement processes related to processing individual and commercial credit applications. CreditEase exhibits a set of truly best-of-breed origination processes evidenced by the fact that our solutions are currently deployed within a number of leading credit providers.

The application is extremely flexible and caters for a broad range of financial products. It enables customers to select the most convenient manner to interact with the lending organisation, be it in a self-service mode across the internet, in-store, telephonically, via SMS, or in the comfort of their own home or workplace.

Within the risk assessment module, a workflow enabled role-based inbox is coupled with a flexible self-service rules engine to ensure that all applications can be assessed timeously in a single or multiple step approval process. Assessors have a holistic integrated view of all the application information including Credit Bureau data coupled with scanned images of all the supporting documents upon which to make informed decisions.

Disbursements are authorised and processed in a near real-time manner simultaneously to one or more beneficiaries. The Front Office incorporates a full enquiry capability which manages customer facing activities and delivers unparalleled service levels to your clients.

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The Back Office manages the entire lifecycle of the financial instrument, focussing on the raising, tracking and receipting of instalments and associated fees collected from financial and third party organisations.

Offering a limitless number of contracts, CreditEase allows you to implement multiple debtors’ books within a single installation. An event-driven, flexible status engine lets each of your departments, such as accounts, tax, operations, collections and legal; view the debtor’s book from their specific perspective. All documents and agreements that relate to the debtor or loan can be viewed at a click of a button.

At the core of the application is a robust rules-based multi-currency transaction engine that records each journal processed against the debtor’s account. The automation of transactions dramatically reduces associated administration overheads.

A powerful diary caters for typical follow-up requirements. Activities can be escalated or re-allocated depending on the operator’s security profile. A full audit trail of all activities is logged and is typically used to identify process bottlenecks.

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Soft Collections (Arrears Management) uses embedded iterative processes to successfully rehabilitate defaulting debtors. The module accommodates both inbound and outbound calls and can be integrated into telephony and voice recording systems.

Matters are allocated to specialised collection inboxes’, where tailored rehabilitation strategies can be applied. Intelligent filters segment defaulting debtors into priority-ordered work queues. These queues then initiate an SMS, call, letter, or combination thereof to the debtor. User interfaces associated with each queue ensure that the operator has access to all relevant information while dealing with the debtor and a scripting engine guides operators through the call process.

The system offers a comprehensive set of operational, performance and management reports that can be delivered using popular tools such as Microsoft Excel°.

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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.