Credit risk minimization
Make worthy credit-risk decisions having more information on customer's payment behavior and current credit obligations.
Credit Bureau Solution is enhanced with credit reporting service providing users with an opportunity to get thorough details of the potential borrowers' past and present financial obligations as well as responsiveness to credit repayments, and thus helps banks and credit organizations to grant credits to worthy borrowers.
Fraud prevention
Fraud minimization through data subjects' matching and identification which enables detecting provided misinformation on previous credit history and personal/organizational data.
The pluggable three-level identification system included in Credit Bureau Solution makes it possible to recognize data subjects even in case of providing false details on previous credit history, civic activity or modified personal/organizational data. The system user will be provided with similarity rates of identified subjects and will be able to prevent granting credits to fraudulent debtors.
Real-time credit reporting
Searching and viewing data subjects' credit histories based on available information in the system database.
Credit reports display real-time information relating to queries made by the system users for data subjects so that the borrower who tries to get credits from different banks/credit organizations simultaneously will be detected immediately.
Repayments stimulation
Increasing customers' responsibility on financial obligations which guarantees favorable credit histories.
Credit reports display information relating not only to previous and current credit obligations but also repayment patterns and behavior showing on-time and delayed payments of borrowers. The borrowers realize that building a favorable credit history is easier than repairing the bad one.
Increased confidence
Accessing objective and reliable information on customers' financial performances.
Credit Bureau Solution is enhanced with automatic and manual tools for data validation, errors processing and tracking, data cleansing and dispute management which ensures submitted data authenticity and consistency. Therefore, the customers become more confident towards the informative services offered by the Credit Bureau Solution.
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Credit granting optimization
Detecting worthy borrowers and thus decreasing credit granting percentage.
Before making any decision relating to granting the credit, banks and credit organizations can view customers' financial and civic activity patterns available in the system database. This information will help analyze credit-risks and distinguish worthy borrowers from unreliable ones, thus reducing the number of disadvantageous credits.
Borrowers' monitoring
Having constant view on borrowers' financial or personal/organizational data updates.
The informative service of data subjects' monitoring assumed by the Credit Bureau Solution enables banks and credit organizations to get daily updates on data changes relating to their customers of interest and analyze their civic and financial activities based on those data.
Activity statistics
Controlling over users' performance regarding the usage of system services.
Each action performed in the system by its users is logged and becomes available in statistics reports allowing to control users' activity, detect suspicious attempts or actions, and to exactly evaluate the system usage.
Analytics
Accessing to detailed analytical and statistical information on the system partners' portfolio.
Embedded with three interrelated universal tools for database queries building, data form conversion and reports generation, the Credit Bureau Solution grants its users with an opportunity to compose and generate MIS reports which provide analytical data on system partners' portfolio of different aspects based on the system database content.
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