Personal finance system
User-centered, convenient personal finance system
We will help our clients to maximize their market share and also operating profit by establishing a flexible and scalable system based on client/user-centered, convenient personal financial systems through leading capitals of experience-based applications.
System Outline
Personal finance is a loan service that provides funds raised by financial institutions to clients in the industrial economy under certain conditions. Personal financial loan management consists of counseling, application, review, execution, payment, and follow-up management.
Flow chart
Key functions
| Business functions | Detailed explanation of business | Business functions | Detailed explanation of business |
|---|---|---|---|
| Consultation service management |
- Consultation with applicant/guarantee through telephone, internet, and internal counseling - Check available loans through internal and external credit information and transaction information - Prescreen the inflow of credit delinquents and determine internal qualification standards |
Registration management | - Process loan applications via various channels |
| evaluation management |
- Evaluate based on internal and external credit information, transaction information, and 대출 격기준 - Calculation of price and limit, Qualification using credit ratings - A final decision on whether an individual is eligible for a loan via telephone evaluation and precise evaluation |
Settlement management | - Process management of settlement - Management of the process of loan approvals in accordance with the approver's process such as normal approval or rejection |
| Implementation management |
- Process of implementing loans based on a finalized application and evaluation details - Management of created accounting information with loan confirmation - Variation by rate options, history management, management of rate administration |
Payment management | - Process payment on finalized loans to loaners - Process payment through real-time online payment, collective payment for automatic transfer on the following day - Sales/Repayment schedule/between fund ledgers |
| Consultation service management |
- Managing information of settlement date and billing address of clients - Managing different types of billing system (invoice, E-mail, SMS) - Process partial or full deposit of the monthly billing and the arrears among client's unpaid amount - Process payment of arrears to those who registered in legal spelling due to the progress of legal procedures - Process designated deposits by selecting a specific product or prepayment of a product |
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Features and Advantages
| Retaining know-hows of buliding financial business system |
- Securing expertise by composing financial specialists - Securing know-hows of system constructions of other financial institutions - Provides knowledges from project implementation experience |
|---|---|
| Security enhancement |
- The introduction of the teller system enables aggregation and management by user. - Granting authorization to users prevents unqualified access of the system. |
| Flexible response to interest rate fluctuations | - Variable interest rates can be applied by customer / loan case / section |
| Establishment of integrated and optimal databases |
- Established an integrated database by collecting standardized information and measure - Transfer enterprise data model design and technology for future business expansion - Establishment of Integrated database provides low maintenance costs and high productivity |
| Customer Single View |
- Provides customer-centered financial services based on a unified Single View - Maximizes transaction convenience |
| User-centered, convenient system |
- Accelerates process of task by providing a single interface to all users - Therefore, this system is a user-centered system created to maximize convenience |
