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Digital Channels
FinnOne Neo Digital Channels
With growing customer preference for contactless and digital transactions, offering faster, simpler and convenient customer access to lending across a variety of digital channels has become a priority for banks and other financial institutions.
FinnOne Neo provides a comprehensive set of digital channel offerings across the loan lifecycle – from acquisition and origination to servicing and collections. FinnOne Neo Digital Channels includes mobile application and web portal software for loan origination, self-sourcing, self-service, collections and delinquency management, geo location tracking of field agents and AI powered conversational chatbot on instant messaging platforms such as WhatsApp. Digital channel applications reduce processing time with a completely paperless approach, dramatically cut down the costs and automate the entire operations. The solutions provide API based integrations with the fast evolving lending ecosystem comprising FinTechs, Credit Bureaus, Utility bills data providers and KYC solutions. We design, develop and configure computer hardware and software for banks and other organizations in the lending industry.
Digital applications for end customers
The FinnOne Neo Digital Channels suite offers interactive and user-friendly self-sourcing/servicing channels for the loan customers. The channels include self-sourcing of loans on mobile and web where customers can apply for a loan in few steps and get instant loan approvals, self-servicing on mobile and web which helps existing loan customers to access various loan reports and raise service requests and self- servicing of loans on WhatsApp or any other OTT messenger to provide AI enabled intelligent conversational loan servicing solution for customers. These solutions help in significantly improving operational efficiencies and substantially reducing costs associated with customer reach and support.
1. FinnOne Neo Mobile Loan Self-Sourcing
FinnOne Neo Mobile Self-Sourcing (mApply) empowers banks’ loan customers to learn about the various loan products available with the bank and apply for loans digitally and instantly through their mobile phones. Customers can also track the application status, check their credit worthiness, and eventually get an approval, on mobile. With the provision of pre-approved loan offers and instant primary approval on the applied loans, the mobile loan software significantly reduces the turn-around time and overhead expenditures on customer reach and support.
2. FinnOne Neo Mobile Loan Self-service
FinnOne Neo Mobile Loan Servicing (mServe) application enables retail lenders to offer convenient and comprehensive self-service capabilities to their loan customers. The mobile banking software allows the bank’s loan customers to access reports such as account statements, payment details and repayment schedules from their mobiles. This mobile loan servicing software contributes significantly in reducing the reliance and overhead expenditures on customer support functions such as call centers
3. FinnOne Neo Digital Portal
FinnOne Neo Digital Portal supports loan self-sourcing (eApply), which enables banks and other financial institutions to offer convenient customer on-boarding and accept digital loan applications without requiring their customers to visit a branch. With eApply, loan customers can evaluate loan offerings and apply without any intervention from bank staff. FinnOne Neo Digital Portal provides loan servicing (eServe), where loan customers of banks and other financial institutions can access a range of reports such as loan summary, account statement, payment details, interest details and payment plan. In addition, customers can make changes such as installment amounts, schedules and due dates. These portals offer seamless omni-channel experience and easy configurability.
4. FinnOne Neo myLoan
FinnOne Neo myLoan is an AI powered conversational chatbot for loan customers of banks and other financial services companies to self-service their loans on WhatsApp and other instant messaging platforms. The chatbot readily integrated with WhatsApp, significantly reduces the service time, reduces the cost of servicing and enhances the customer experience tremendously. Through easy steps, a verified customer can register to the WhatsApp bot service deployed at a customer channel. FinnOne Neo myLoan ensures secured conversation and transmission of data / attachments through integrated- Enterprise Communication Connector (ECC), which is integrated with FinnOne Neo Integration Framework (NIF).
Digital applications for field staff
FinnOne Neo offers comprehensive digital channel solutions for field agents to perform end-to-end loan operations on mobile phone or web interface. The channels include a mobile app for sourcing of loans instantly, a web interface for assisted loan sourcing, a mobile app for loan collections and a mobile app for microfinance. These solutions empower the field staff in digitizing loan operations, boosting operational efficiencies and mitigating the credit risk.
1. FinnOne Neo Mobile Customer Acquisition
FinnOne Neo Mobile Customer Acquisition (mCAS) is a mobile application designed to help financial institutions bring the bank to the customer by providing their field staff with powerful applications on their mobile devices. The mobile loan software provides full customer acquisition capabilities via phones and tablets. It helps users perform paperless data sourcing, check application status, and submit field investigation responses. The application drastically reduces risk with integrated, automated credit checking with credit bureaus. This mobile banking application also empowers the underwriter to approve or reject cases when on the move in an online / offline mode.
2. FinnOne Neo Sales Assist
FinnOne Neo Sales Assist is sophisticated web based loan customer onboarding software for field staff of banks and other financial institutions that are engaged in sale of credit products at locations such as retail stores, auto stores and malls that fall outside the branch network. The software caters to loan origination for a wide variety of loan products such as personal loans, auto loans, housing loans, loans against property, credit cards and consumer durable loans. FinnOne Neo Sales Assist incorporates light and advanced technology architecture, combined with a smart and intuitive user interface that enables the field staff to source high quality credit leads – quickly and accurately.
3. FinnOne Neo Mobile Loan Collections
FinnOne Neo Mobile Loan Collections (mCollect) is a debt recovery and delinquency management application digitizes end-to-end field collections. FinnOne Neo mCollect helps banks and other financial services companies eliminate the risks associated with cash based collections and float money. The mobile lending software automates manual processes to minimize chances of errors, frauds and misrepresentation. The mobile loan software allows allocation of cases to agents on mobile and enables paperless processing, eliminates receipt books and other time consuming procedures such as issuance and reconciliation.
4. FinnOne Neo Mobile Microfinance
FinnOne Neo Mobile Microfinance (mFin) is an end-to-end digital microfinance platform that enables microfinance companies to provide microcredit services anytime, anywhere. The mobile banking loan software comes with comprehensive digital capabilities and ensures that microfinance companies can perform paperless data sourcing, real time application submission, instant data verification, and provide credit grading on a single mobile application.
