Loan Process Automation

Documentation of the loan, which includes preparation of the document package, automatic or manual specifying services to approve and sign the agreement (with a digital signature in particular). There is also the ability to generate and print document packages, and control the covenant agreement and document package legitimacy

A sub-system for calculating credit indicators, and solvency and security ratios. Automatic or manual specifying services to review and approve credit applications, or refine them if necessary. Automatic generation of the consolidated conclusion of application approvement

Conducting client dictionary with complete information about contacts, details, documents, and operations. There is a possibility to exchange data with other systems with the help of integration capabilities, and also a consolidation of client information in a single place

An electronic voting sub-system, quorum qualification, and presence of timers for vote conducting. Configuring the voting logic, and automated generation of decision protocol, with the next signing with the digital signature (QES)

Centralized storage for the information and documents related to the borrowers, credit applications, credit limits, and pledge objects. All information is stored centrally and is accessible to users according to their official powers

Credit application creation directly from the client card with the automated setting of bilateral connection

Employees will be able to build an approval process of any complexity due to the dedicated flexible designer, including easily choosing the approval type (sequential, parallel, mixed), determining persons to approve, and setting up stages parameters. In addition, all events of the document’s lifecycle are kept, including date, time, and comments on document approval

Support of qualified electronic signature (QES) attachment for all document types, and the ability of group operations on several documents, batch digital signing in particular. You will always be able to see the document signatories list with indicating of state and date of signing, verify attached digital signatures, and download a file containing digital signatures (P7S) or the document with overlayed visualization of digital signatures

Each employee will get a personal space with all aggregated tasks, assignments, and documents. An employee can set up a dashboard with important messages and information about the last activity. The personal cabinet also contains links to external resources, a directory of business processes, company structure, and colleagues' contacts

The product provides all necessary for convenient work with documents through all business process stages. Round-the-clock access to all documents from any device and anywhere, processing any file types, simultaneously editing and reviewing with colleagues online, and converting text documents to download as PDFs

The ability to ‘remotely’ (out of the office) perform functions of approvement, refinement, commenting, additional file attachment, voting, signing with the digital signature, document viewing and editing, etc.

Over the whole document lifecycle, the ability to work online with your team is provided: edit, review, comment, and consolidate changes

Discuss important questions and leave comments not only inside the attached file but in the document card too. All comments and answers will be shown in a simple tree view, while some comments may have limited access

Powerful tools for task processing and deadline monitoring: taking assignments according to prioritization, control over their execution, evident visualization of overdue tasks or tasks with close execution end term. The function of cyclic control allows you to monitor repeated tasks and events, such as contract prolongation, invoice issuing, giving specifications, or making purchase requests

Make your own library of ready-to-go templates, that will significantly save employees’ working time and will provide abidance to corporate standards. Create a new document in minutes with the help of ready-to-use templates (DOCX, XLSX) and automatic fields autofill from the document card will make that process comfortable and fast

Due to the designer of automatic document enumerators, all system items are registered and numbered meeting the customer’s registration rules, utilizing the mechanism of preventing duplicate registration or cloning. In addition, control over filling document required attributes is present

To be ensured in correct field filling or completeness of the attached document pack, we made a convenient checklist with indicators. There is also checking for correctness of filling form fields or presence of electronic signatures, and the possibility to comment that

Configure connections between document cards or files for permanent access to full information. For example, you can link the incoming and outgoing documents, the appeal with the answer, contracts with additional agreements, invoices, acts, etc.

A flexible and multifunctional search allows you to quickly find the necessary documents and tasks, provide document search not only on the system level as a whole but in separate categories, provide filters by attributes, items sorting and grouping, and search results export to Excel. In addition, there is support for document content full-text search, including morphology

Keeping the detailed history in the system gives you the ability to view this data over the whole system or by a single user and generate audit reports. The complete information about document processing is kept: the course of the approval process, signing, task execution, controlling, saving, and commenting with precise time stamps

To not miss the control terms and not forget about your tasks, you can get automatic notifications and reminders via email or SMS. You can also configure individual notifications, using the templates (design, content, links, buttons) and setting rules or times to notify with

Powerful tools for generating reports, and many built-in templates of information-analytical reports. Use dashboards to visualize the data and understand the key indicators of activity, execution discipline, employees' workload efficiency, etc. Integration of business analytics panels, visualization of KPI and trends of changing selected indicators

The ability to configure personal routes for business processes, or set system element names and card attributes without coding thanks to low-code and no-code tools (BPMN in particular). The possibility to individually configure most system dictionaries, such as document kinds, forms and types of arrival, appeal subjects, counterparty types, user groups, etc.

A sub-system of managing roles and user rights: flexible configuring of user rights and access policy, setting available functions in the system for different user groups, separating user powers, and full-fledged Azure Active Directory support

Support of multilingual user interface (EN, DE, PL, UA, etc.), setting of various user-preferred interface languages

Administrators can configure processes, forms, classifications, and dictionaries, manage roles and rights, conduct system audit, and track actions

Automatic paper document scanning thanks to the support of stream scanning, printing and recognition of barcodes/QR codes, and importing to the electronic documents archive

User interface customization and the ability to complete adaptation under the company brand book with the possibility of individual configuration of representation and product outlook

The product allows you to automate a complete range of crediting business processes, that lead to a significant reduction in document processing time, a reduction of up to 60% in operating losses, a 30% reduction in administrative expenses, and a reduction of financial risks due to delays. The time for approval and signing of documents is reduced from 2-3 weeks to 1 hour. The softXspace platform allows you to implement the product on a completely free stack of server products (OS, DB, application server, and development tools). This will provide a low cost of system ownership and extremely low overheads

Due to the standardization of all working procedures, you can forget about mistakes while one or another business process. Configure standard approval routes, work with typical document templates, that have passed a legal examination, and provide compliance with regulations and all approved procedures. Provide 100% resolution executions thanks to the term monitoring and on-time performance of work duties. Be assured that documents are moved through all required approval and signing stages

The product provides reliable storage of documents in the cloud, avoids data leaks, and provides users secure access at any convenient time. You will be able to have full access to files 24/7 and work from anywhere and at any time, including the ability to teamwork and document online editing, that assists comfortable remote employees operations and interaction simplification of employees from different divisions

We use only cutting-edge technological solutions and our LowCode platform softXspace (the product is built on) allows you to develop solutions on your own by using no-code tools. We use such modern technologies of user identification to secure the data as Bank ID, Mobile ID, QES, and two-factor authentication (MFA). We also provide data encryption both to network transferred data and to the storage of documents and metadata. In addition, our products have a modern design, which is adapted for work on mobile devices and allows working directly in the system through any browser

The product can be placed centralized or locally, as it has the possibility to be installed both in the cloud and in your company infrastructure or built as a hybrid solution. Easy product setup allows you to implement it in the organization quickly, adapt it under the processes and corporate standards, and operatively develop the additional functionality. We can also provide solutions for integration tasks, training, detailed product documentation, quality warranty, and service support

The product can be adapted both under small or middle enterprises and under large corporate businesses with widely branched regional structures, with employees and clients throughout the world. Thanks to low-code and no-code tools (BPMN in particular), our products based on the softXspace platform have rich abilities for configuring and development, support horizontal and vertical scaling, and can be used for building fault-tolerant configurations and reliable simultaneous operating of thousands of users

With the help of the softXspace platform capabilities, you can transform your everyday routine work, automate processes and create a modern information space in a short time with minimal costs. Our Low Code tools for the personal development of business processes without programming will allow you to quickly build individual forms, cards, and many more

You can quickly integrate our ready-to-go products with a document workflow system, contract automation, procurement management, etc. Powerful open API (REST, SOAP, a full-fledged CMIS standard implementation) allows you a rapid integration of the product into the company information space

Establish a unified integrated IT infrastructure due to the ability to combine the product with third-party systems: ERP, ECM, DMS, internal portals, The ability to integrate with acounting systems and CRM (Dynamics 365, SAP, Salesforce), automated banking systems, or other systems that support integration abilities

Ability to integrate with Microsoft 365 services (Outlook, Teams, OneDrive, SharePoint, Microsoſt Exchange, Word, Excel, Power BI, etc.), Google (Drive, Document, Gmail, Calendar, Meet, etc.). Integration with services of electronic signing, online sites of legally significant document workflow, counterparty verification services, etc.

Provide a full-fledged legally significant document workflow thanks to the integration of document signing services (use keys of most popular Ukrainian TSP, Diia Sign, digital signature service (DSS), Adobe Sign, DocuSign, and others). Ability to net/cloud storing of keys and rich functionality of signatures visualization

Our scan&recognition module allows you to implement the functionality of text recognition from scanned documents of any format, the ability to search by the text content of scanned documents, stream scanning directly into the system, and processing of QR and bar codes