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Identity Verification On Demand for Initial & Continuous Authentication

Allied Bill Payments creates a new avenue for community Financial Institutions to fend off disintermediation by centralized services (like Billers Direct), optimize consumer experience to use their available funds in real time, and maximize Financial Institutions’ informed marketing opportunities.

Clinc’s Virtual Banking Assistant (VBA) enables Financial Institutions to boost digital engagement and reduce service agent workload by automatically addressing the “low value” requests, freeing up the resources to handle deeper interactions. The solution serves as an important step in the customer journey by providing 24/7 coverage of customer queries by understanding and following complex conversations, enabling a vastly superior customer interaction.

The system can handle complex product and company structures. It covers the lending process from the first interaction with prospects to disbursement, the monitoring processes and miscellaneous secondary operations processes like restructuring, termination. The whole credit lifecycle is supported by Camunda BPM and Document Management. Beyond these processes the solution unifies any related loan and collateral administration as well as covenant handling.

6Sigma Group's IFRS 9 module efficiently captures data and calculates expected credit losses, while the Portfolio Risk Rating and Stress Testing modules provide comprehensive portfolio analysis and stress testing capabilities. The ESG Risk Rating module assesses clients’ environmental, social, and governance compliance, and the Credit Automation module streamlines credit processing.

SavvyMoney provides end-users with the ability to view their credit scores and educate themselves on aspects of their finances that affect these scores. Financial Institutions can offer products to their users based on their credit scores and insights into competing products. Through the credit score and report tool, the user not only sees their score, but gets guidance in understanding the factors affecting their scores and full credit report. Users are also able to engage with a credit score simulator to see what impact certain actions may have on their score.