Ressources pour une organisation bancaire durable

Français || English

Homepage | Downloadable resources | LOAN OBJECTS Project | Consulting | Contact




More strong points

Know more


1. Business point of view

  • Suitable for any national market.

  • Multi-currencies.

  • Maximum aid to employees in charge of loan sales: whenever a customer is selected, a list of "possible" and "recommended" offers is displayed to the operator

  • Processings re-computing the billing (interests, insurance premiums...) from any past date onwards, in order to take into account all backdated events.

  • Design which does not ask for any interruption of the interactive session, and thus allows interactive processing “24 H over 24, 7 days out of 7”

  • Design of end-of-month accounting processings allowing them to be run a few days after the last day of the month, thus suppressing all need for accounting “regularization” entries.

  • No more customers "doubles" thanks to the systematic identification of the new customers not yet compared to homonyms, and to the existence of user-friendly operations merging customer doubles.

  • Management of credit repurchase

  • Management of consumer loyalty programs

  • Management of “packaged” products and contracts.

  • Management of the simultaneous granting of two or more contracts (for instance, of the simultaneous granting of a limit upgrade and a new loan)

  • Functions allowing an operator to pledge himself on the acceptance of an offer  ("pre-approval"), without incurring any risk of a later refusal.

  • Any payment may be assigned to the oldest unpaid debt.

  • Balance breakdown between unpaid interests, unpaid insurance premium etc. is always exact in real time.

  • The number of borrowers may be higher than 2, the borrowers may belong to more than one household.

  • Optimization of granting rules pooling between:

    • Sale of installment loan/sale of revolving credit/sale of package

    • Sale of new loan/sale of a limit increase on a permanent account/financing on a permanent account

    • Proposal (with or without pre-approval)/final decision

    • Loan contract/guarantee contract

  • Any payment schedule can be made up of any number of stages, each one having its own interest rate, periodicity, graduation rate, payment amount…

  • Calculation of the spreading out of fees, commissions and depreciations according to CRC 2002-03 (France) and IAS/IFRS regulations.

  • Full compliance with the 2009 Credit card bill (United States)

  • Full design of the “Business Intelligence” data warehouses (including those necessary to compute Basel 2 "internal ratings".

  • Full description of the data structures awaited by "Accounting Interpreter" softwares

  • Any operation or contract with customers may be billed.

  • Possibilities of remuneration of the lender compliant with Islamic law (sharia)

2. "IT governance" point of view

  • LOAN OBJECTS addresses only the "business" layer, allowing the "technical" layer to be organized freely.

  • The formalism used (“object” design) is the only one which is truly suited to the implementation of components which can be integrated in any front-office software.

  • The semantics of LOAN OBJECTS is fully consistent with other business domains, as we have taken care not to give, to a component, a name which might have another meaning in another business domain (for instance : Insurance).

  • While complying with the rule above, we have taken care to "specialize" objects only as much as strictly necessary; consequently, much of them could certainly be directly re-used in domains other than credit-to-individuals, for instance:

    • 70% of the components might be re-used to for the management of unspecified contracts (insurance…)

    • 100% of the “account management” part might be re-used to manage corporate loans or deposit accounts.

  • LOAN OBJECTS can be regarded as the object of a contract, for which the “list of the functions covered by LOAN OBJECTS” (to be fond in Product full presentation (French)) can be used as “specifications”. So our customers are particularly protected.

Legal mentions