DIGITAL LENDING SERVICES

Bureau Lending Services for
Banks and Financial Institutions

We provide end-to-end support for loan origination and booking processes to the BFSI companies via digital lending solution.

When the Traditional Lending Approach Is No Longer Suitable

Traditional lending has been the go-to option for corporations searching financial support. However, in the swiftly changing financial landscape, this traditional lending has constraints and disadvantages.

  • Necessity for a borrower to visit the branch

  • Stringent credit requirements

  • Likeliness of data entry errors

  • Complicated, lengthy loan approval process

Single Platform With Multiple Business Benefits

KMS’ digital lending solution enables financial institutions to streamline lending process and create a convenient digital loan experiences for customers.

Loan Application Efficiency

Saves time by allowing customers originate loan applications within seconds via digital devices. Enhances productivity and increases growth opportunities.

Efficient Scalability

Paperless, automated workflows that help process larger number of loan applications. Lending platform also minimize the number of systems involved in lending practices.

Error-Free Evaluation

Eliminate sources of human error by leveraging AI/ML evaluation for greater consistency in both the credit approval process and portfolio management.

Compliance-Driven Processes

Digital loan origination systems provide predictable, repeatable, auditable processes, keeping banks and credit unions in compliance with business lending regulations.

Transform Your Loan Products with Confidence

Release your Commercial Lending, Retail Lending, SMB Lending Products with different categories of lending solutions.

Digital Loan Application​

A well-designed Customer Journey using mobile apps for an excellent lending experience. From onboarding, servicing, and disbursement to collections, you rest assured that your process is automated with optimal efficiency and personalized experience.

Loan Origination System (LOS)

Enable centralized credit evaluation and approval for retail and corporate customers automatically in their loan origination cycle, spanning from application, scoring, approval, customer acceptance, and documentation, to final loan booking.

Loan Moratorium

Loan Moratorium serves as a resilient option in response to difficulties and challenges faced by borrowers in loan installment services, at the same time helping to control and manage non-performing loans for lenders.

Customer Lending

Cater to both consumer and wholesale lending needs, offering a diverse range of financial products to meet the unique requirements of individuals and businesses alike from Mortgages, Revolving Lines of Credit, Term Loans, Secured and Unsecured Loans, Installment Loans, and Syndicated Loans.

Delinquency Management

Oversee accounts throughout the debt recovery process, issuing timely reminders for overdue payments.

Restructure debt by rescheduling loan terms, adjusting interest rates, or modifying payment schedules to effectively manage troubled debts.

Collaterals/Limits Management

Integrate with and accept collateral data from all banking systems, including core banking, trade finance, and loan origination for real-time, management-level insight into risk exposure.

Monitor limits, automate alerts, and set up approval processes.

Advanced Lending Services for Efficient Lending Business Operation

Take confidence in your digital lending product with comprehensive offerings from KMS’ Bureau Lending Services

API integration

API Driven Integration with Other Systems

  • Employing robust and standardized APIs to seamlessly connect with third-party systems.
  • Ensuring compatibility with a variety of external platforms, such as credit bureaus and financial databases.
  • Facilitating data exchange in real-time, promoting efficiency and reducing manual intervention.
  • Providing secure authentication and authorization mechanisms for secure integration.
consolidating data in lending process

Consolidated View of Customer Relationships

  • Complete, Consistent, and Consolidated View of Customer Relationships via CRM system
  • Ensuring data consistency across all touchpoints to avoid discrepancies in customer information.
  • Consolidating data from various sources to provide a comprehensive overview of customer relationships.
  • Enabling easy access to historical interactions and transactions for a better understanding of customer behavior.
configurable and automated lending process

Highly Configurable and Automated

  • Offering a user-friendly interface that allows easy configuration
  • Incorporating automation tools to reduce manual effort and errors, with flexible workflow design for adapting to changing requirements.
  • Enabling customization without extensive coding, making the system adaptable to diverse business processes.
  • Flexible charging schemes based on growth volumes.

End-to-end Support for Loan Origination System & Booking Process

Loan Origination

  • Pre-approved offers
  • Loan calculator

Loan Application

  • Data Entry / Verification
  • Borrower / Co-Borrower
  • Credit Requests
  • Financials
  • Collaterals
  • Documents

Underwriting / Decision Making

  • Credit Scoring
  • Pricing
  • Re-payment schedule simulation
  • Credit Decision

Documentation

  • Offer Notification
  • Customer Acceptance
  • Credit Admin Check-list

Loan Booking

  • Straight Through Processing
  • Automatic Decisioning
  • Multi levels approvals

Disbursement

  • Loan activation
  • Collaterals registrations

Transform Your Digital Lending Process to Approach New Generations

Explore possibilities in delivering greater business and operations results with our next-gen digital lending solutions.

Let’s start the conversation today!

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Growing Successfully With Us!

Revolutionize Lending Strategy with Bureau Lending Solutions

Revolutionize Lending Strategy with Bureau Lending Solutions

Three strategies for incumbent banks to jump aboard Digital Lending

Three strategies for incumbent banks to jump aboard Digital Lending

An A-Z Guide to Digital Lending

An A-Z Guide to Digital Lending