Streamline and automate the loan and account originations process with Expresso.
Customer Onboarding & Originations
Expresso Originations is a configurable multi-channel product origination and workflow platform that provides a simplified, paperless account opening and lending experience. The platform offers tailored forms for multiple account opening scenarios, including transactional accounts and other banking products. Complete end-to-end customer onboarding and product origination for loans and credit applications is integrated with electronic identity verification and credit scoring to maximise efficiency and reduce processing errors. The platform will also allow your institution to automate business and decisioning processes for mortgage origination, from application capture to customer acceptance and final approval.
Electronic Identity Verification
Partnering with any credit checking system, including Equifax, Green ID and Experian means applications are quick, secure and accurate. Integrating with these systems also helps to identify potential fraud and meets AML and CTF legislation.
Online Credit Checking
Online credit checking identifies fraud at the point of application and reduces exposure to bad debt; therefore ensuring responsible lending. Full integration into credit checking systems allows real-time application approvals.
Integration into your core banking system creates a seamless customer experience. Removing the need to re-key customer information reduces errors, decreases processing time and increases efficiency. With our powerful rules engine, end-to-end processing can facilitate instant approval, depending on your business rules.
A simple, intuitive application and administration console allows your institution to view submitted forms, including details of identity checks. Smart business process administration will reduce the time and costs associated with paperwork processing and storage.
A unique configurable tool with 24 hour secure access which allows brokers to track leads and calculate commissions.
Single or Joint Applicants
Expresso supports single, joint, and complex corporate and trust based applicants, giving your customers greater flexibility when applying for your product offerings.
Engage your customers with borrowing capacity and repayment calculators. This reduces the volume of unqualified applications and increases your customer retention and satisfaction.
Take your customers out of the marketplace with a complete end-to-end, paperless solution for originations, onboarding & loan applications.
Real-time application approvals facilitated by electronic identity verification remove the need to visit a branch. Your customer is then captured and taken out of the marketplace, decreasing the chance of customer & prospect attrition and increasing the customer experience.
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Digital Play Banking
Discover how Digital Play Banking provides new opportunities to identify customer needs, personalise offerings & adapt to ever-changing customer expectations.