ATLOS

ABLE Monitoring platform enables business users to exploit extensive loan monitoring capabilities over retail, corporate, and SME portfolios and gives lenders opportunities to manage customer and account relationships more profitably. ABLE Monitoring Features: - Cross-sell and up-sell communications - Behavior-based pricing - Collections to facilitate cash flow - Card authorizations - Credit line management - Custom decision area Capabilities: 1. Boost average customer profitability by pre-approved loans, event-based personalized offers with geo-tagging, and regular adjustments of credit rates and limits. 2. Increase customer loyalty by providing targeted proposals as a quick reaction to the client’s situation change. 3. Decrease bad debt portfolio by effective pre-collection and early collections treatments.

ABLE Origination platform automates the lending process from A to Z: from the loan application to origination, servicing, collection, and compliance. Due to a modular basis, ABLE Origination is highly configurable and scalable. The platform is powered by: - AI-driven technologies and ML algorithms, - 400+ pre-configured permissions and 15+ roles, - APIs for integration of partner solutions, - 360° customer view for offer calculation, - Dashboards and analytical reporting. ABLE Origination benefits: - 2-4 months is the average time to market. - Full access to the source code. - <15 min from application to disbursement - 600% growth of productivity - 100% customizable platform

Margill Loan Manager is a world-class loan servicing software designed to save time and increase accuracy. Trusted by leading companies in 38 countries worldwide, Margill Loan Manager offers tools for servicing simple and complex loans, mortgages, lines of credit, receivables, judgments, and leases, origination, automatic recomputation of fees, post-payments, fixed/variable interest rates, and more. This reduces accounting reporting time, calculation errors, and risk and bad debts.

Financing Platform, Leasing and Lending, Software Development 4. URL: N/A 5. Who should use: The Sopra Financing Platform is designed for captives, banks, and independent finance companies that are involved in retail and commercial leasing and lending. It is suitable for organizations of all sizes, from small independent finance companies to large multinational financial institutions. 6. Why use: The Sopra Financing Platform offers an end-to-end financing solution that supports both retail and commercial leasing and lending. It is a component-based platform that combines the expertise and capabilities of two market leaders, Apak and Cassiopae. By using this platform, organizations can streamline their financing operations, save time and money, and benefit from the extensive global and local knowledge of the software solution. The platform is designed to lower implementation and ongoing risk and offers innovative features, such as open API libraries, multi-language and multi-currency support, sophisticated automation and workflow, and cloud-ready deployment. 7. How to use: The Sopra Financing Platform can be customized and tailored to meet the specific needs and requirements of each organization. It offers a comprehensive set of features and functionalities that cover all aspects of financing, including loan origination, credit scoring, document management, collections, portfolio management, and reporting. The platform is built using a component-based architecture, which allows organizations to selectively enable and integrate different modules based on their business needs. It supports multiple currencies and languages, allowing organizations to operate in different regions and serve a diverse customer base. The platform is designed to be fully scalable and secure, and it can be deployed on-premises or in the cloud. Organizations can work with the Sopra Financing Platform as their expert partner, receiving support and guidance throughout the implementation and ongoing use of the platform. 8. What is included: The Sopra Financing Platform is a comprehensive software solution that includes all the necessary components and modules for managing leasing and lending operations. The platform covers the entire financing life cycle, from loan origination to collections and portfolio management. Some of the key features and functionalities of the platform include: - Loan origination: The platform allows organizations to manage the entire loan origination process, including credit evaluation, application processing, and document management. - Credit scoring: The platform provides advanced credit scoring capabilities to assess the creditworthiness of borrowers and determine the appropriate loan terms and conditions. - Document management: The platform includes document management features to store and manage all the necessary loan documents, such as contracts, agreements, and financial statements. - Collections: The platform offers robust collections capabilities to manage delinquent accounts, track payments, and handle collections processes efficiently. - Portfolio management: The platform provides tools to monitor and manage the overall loan portfolio, including financial analysis, risk management, and performance tracking. - Reporting: The platform includes comprehensive reporting and analytics features to generate custom reports, track key performance indicators, and gain insights into the financing operations. - Integration: The platform supports integration with external systems and services, such as credit bureaus, payment gateways, and accounting software, to streamline data exchange and automate processes. - Security: The platform is designed to be fully scalable and secure, with advanced data encryption, access control, and audit trail features to ensure the confidentiality and integrity of sensitive financial data. - Support and training: Organizations can receive ongoing support and training from the Sopra Financing Platform team to ensure smooth implementation and optimal usage of the platform. 9. Statistics: N/A