AdvantEdge

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

ORCA is an extremely flexible platform, equally at home with ledger management as with very large volume debt collection. The product is client / server-based and utilizes SQL Server as the back-end data repository. This makes it very scalable and can be configured to replicate across multiple sites for disaster recovery compliance. The frontend screens are written in Microsoft visual studio which makes it very easy for us to develop integrations into other windows products. We also have an API available for developers wishing to communicate with Orca from other third-party products. We also have an API available for developers wishing to communicate with Orca from other third-party products. Modern look and feel. Customizable account screens. Easily add your own additional fields to the system. Create your own data import routines. Drag and drop workflow designer. Automated direct debit processing. PCI-DSS compliant card processing.

Bad debts do not necessarily mean bad customers! These should be addressed in the most efficient and effective way to balance collection and retention. Acquisition costs can increase. So you should carefully select collection actions to keep retention rates high. The Cost of Collection does not need to be high in order for you to obtain maximum collection results! Allows for automated decision and process flows in every step of the collections cycle: soft, middle, hard and legal collection. Automation of collections: automatically sending SMS, e-mail, making voice calls or mailing print letters. Automation of a delinquent account routing between different collection process participants. Automation of every-day tasks of collection officers due to the set of specialized customizable web-based workplaces. Ability to assign roles and responsibilities to various stakeholders in the collections process and hierarchy.