End-to-end, configurable and agile credit process management with CreditFlow Business Process Management (BPM) from CRIF.
Business & Credit Process Management
Balancing continuously changing demands, while providing better service, quicker responses, improved results and more control calls for an innovative and agile solution like CreditFlow Business Process Management (BPM), which transforms a slow, rigid and unenforceable credit process to an automated, paperless and governable end-to-end process.
CreditFlow is a flexible and innovative business process management (BPM) suite built specifically for credit processes like customer onboarding and loan origination. CreditFlow automates the end-to-end process, from data capture to approval and booking, orchestrating manual activities with workflow and document management, connecting participants and integrating all systems involved to meet your credit process needs either with a pre-defined or custom-tailored solution. CreditFlow tracks each step of the process, including status and who-did-what-when, providing complete control and maximum straight through processing. It can support any geography, channel and any lending instrument, across your enterprise.
- Adapt with agile, powerful, graphical tools to design credit processes and integrate data sources and systems into an end-to-end process, including front and back office applications and credit bureaus.
- Optimize. Process more applications in a consistent and fast manner improving point of sale response, minimizes reworks, errors and process bottlenecks and leads to increased volume and quality and lowered costs of ownership.
- Control at your fingertips with online monitoring, traceability and measurement of your entire business processing to meet KPI/SLA targets and be compliant-ready to internal policies and country regulations.
- Access to CRIF professionals who can help you realize all these benefits through consulting, setup, training, customization and on-going support.
Ensuring business continuity for the BlueStep origination process
In order to support its growth, BlueStep needed to continue to rely on a strong origination system for unsecured loans. What’s more, BlueStep’s plans also included the implementation of an origination system for mortgages.
Austria Wirtschaftsservice Gesellschaft GmbH (AWS)
Risk and revenue in one system
In contrast to a commercial bank which focuses its attention mainly on historical information when granting loans, AWS, as a development bank, looks primarily at the future, weighting soft facts much higher than historical hard facts.
Findomestic Banca, BNP Paribas Group
Findomestic: optimization of the dealer assessment processes
Findomestic took on a new challenge in the world of business credit with the aim of expanding into the business sector, starting with car dealerships.
Uralsib Bank doubles its application volumes and reduces its overdue loans
The client is Uralsib, a major Russian financial group formed through the merger of 6 regional banks of varying sizes and business specialties.
Transforming compliance into a value-add for both customers and the bank
A CRIF Credit Management Platform customer, driven by local and European Union compliance and regulatory mandates, embarks on a significant overhaul of its credit risk management processes, both customer facing and in back office.
How Gjensidige Bank achieved innovative, digital customer onboarding
"The success of the implementation of a new credit system in the bank is dependent not only on first class systems and technology, like CreditFlow and StrategyOne, but also on the people involved in the project and their competence and commitment."
OpenSky, a business line of Capital Bank
Capital Bank’s OpenSky puts CRIF’s CreditFlow & StrategyOne to the test
All lenders have a process to determine the creditworthiness of borrowers, but not all have an efficient and effective way to do so. CRIF's technology helps lenders maintain growth and agility while managing risk.
International financial group
Integrated and scalable solution to standardize decision engines
Following a corporate merger, it became essential for the client to standardize its information systems in order to take advantage of business synergies and to have unambiguous views on a customer level. The chosen solution was to re-engineer the Decision Engine.
K&H Bank in Hungary
This KBC group bank relied on a best practice model and solution to overhaul its business loan origination
Needing to improve our customer value propostion for small and medium sized business loan origination, we adopted a 360 degree approach with a solid foundation from an organizational, credit management and technology perspective and focused on defining the best process design and credit workflow to meet our needs.
SME assessment platform: qualitative assessments, financial assessments, and scoring
The Small and Medium Enterprises General Authority (“Monsha’at”) is the first dedicated authority in Saudi Arabia tasked with the support and development of the SME sector.
Transformation of the credit culture: the Enel experience
Following deregulation and privatization and increasingly rigid restrictions on regulated markets, Enel needed to build a new credit governance model, appropriate to the size and complexity of the company.
Hera Group: A state-of-the-art credit governance model for businesses
How multi utility Hera improved its credit KPIs and cost control from customer onboarding through collection.