Applications across channels
Branch, digital and partner applications arrive with inconsistent information and document handling.
Business Domain Solutions
General Lending
Connect loan origination and servicing across the lending lifecycle.
Application intake and credit decisions lead into loan contracts, disbursement and repayment. Connected workflows carry approved lending information into ongoing account and loan servicing.
02 / Situations
When the lending lifecycle becomes fragmented
Decisions and exceptions
Credit policies and approval exceptions need traceable decisions across teams.
Handover to servicing
Approved applications must reach the servicing system with the agreed contract data and conditions.
Changes through the loan term
Schedules, interest, collateral and accounting need to remain consistent as contracts change.
03 / Value
Keep the lending record connected
01
Organized applications
Bring applicant information, documents and assessment activity into the origination case.
02
Defined decision controls
Apply supported credit policies, approval ladders and exception-handling rules to the workflow.
03
Contracts linked to servicing
Manage schedules, interest, fees, collateral and guarantees against the loan contract.
04
Controlled lifecycle changes
Connect rescheduling, restructuring and accounting with the agreed collection-system interfaces.
APPLICATION FILEApplicant & documents
DECISION RECORDPolicy & approvals
LOAN CONTRACTTerms & servicing
Carry the agreed information from assessment into the loan contract.
04 / Scope and functions
From application to the last repayment
Follow applications through assessment and approval into disbursement, repayment and servicing. Explore specialized dealer and lease operations under Asset Finance.
Application intake
Branch, digital and partner applications, applicant information, identity checks and consent.
Credit decision
Policy matrices, bureau integration, ratings and exception review.
Pricing and approvals
Product conditions in BX-PF, approval ladders and decision audit trails.
Documents and handover
Documentation, electronic signing where supported, disbursement and the servicing interface.
Loan servicing
Contracts, repayment schedules, accrual, early repayment and closure.
Collateral and accounting
Guarantees, collateral, restructuring, collections integration, general-ledger posting and reconciliation.
ORIGINATIONAssess & decide
- Applications & documents
- Credit policies & ratings
- Pricing & approvals
CONTRACT & DISBURSEMENTApproved data
+ contract terms
+ contract terms
SERVICINGManage the contract
- Schedules & accrual
- Collateral & guarantees
- Changes & accounting
Carry approved information into the servicing record through an agreed handover.
Explore detailed functions
Function availability and implementation scope are confirmed for the selected product version and institution. External services, local network connections and additional development are agreed separately.
Loan origination
5 areas · 37 detailed functions
Application and channels8 functions
- Digital loan portal
- Online application processing for new and existing customers.
- Omnichannel intake
- In-person, digital and partnership channels flow through the same workflow.
- Data-driven application
- Real-time credit bureau, partner-data and transaction-history feeds populate the case.
- Integrated process management
- Consultation, application, decision, documentation and disbursement in one visible workflow.
- Single customer view
- Deposit, loan and FX balances, transactions, contacts and benefits shown before a decision.
- Party onboarding
- Individuals, sole proprietors, corporations, associations and correspondent banks.
- KYC / real-name verification
- Identity verification with AML risk rating on the applicant.
- Consent / authorisation
- Consent records captured for bureau inquiry and data use.
Credit decision7 functions
- Policy-based automated approvals
- Approvals inside policy are automated; exceptions route to an approver.
- Matrix-based decision logic
- Decision matrices by product, segment and counterparty.
- Data-driven analytics
- Analytics on bureau, partner and transaction data inform the decision.
- Real-time credit bureau integration
- Bureau inquiries run during the application.
- Customer classification and rating
- Classification and rating from CIF feed limits and pricing.
- Assessment / credit templates
- Generic-model templates hold scoring and assessment conditions.
- Blacklist / contact-block
- Blacklisted parties are stopped at intake.
Pricing and product management8 functions
- Dynamic loan pricing
- Customised rates per application and future-rate scheduling.
- Product launch by business staff
- Loan products launched and maintained through the Configurator in BX-PF.
- Rate / fee / condition configuration
- Conditions configured and simulated before launch, independent of any account.
- Multi-channel deployment
- Release supported product definitions to agreed channels, with changes tracked and validated before release.
- Multi-view classification
- Risk, compliance, seller, buyer and finance views of one product.
- Unified product catalog
- Own and competitor products in one catalog with AI-assisted entry.
- Unified fee management
- Origination fees managed centrally with what-if simulation.
- Preferential pricing
- Rate discounts by balance tier, taking the maximum tier the customer qualifies for.
Approval and operations7 functions
- Maker-checker approval
- Single or multi-level with amount thresholds and timeout escalation.
- Task monitoring
- Asynchronous monitoring, rejection-reason tracking and resubmission.
- Transaction restrictions
- By actor, customer or contract, and by channel.
- Numbering / sequence generation
- Application, contract and document numbers from 13 or more patterns.
- Business-day / holiday calendar
- 30-year calendar for value dates and first repayment dates.
- Organisation and permissions
- Seven-dimension access control over who can decide and approve.
- Notification
- Unified notification API with multi-language content.
Documents and disbursement7 functions
- Document generation and issuance
- Contracts, statements and certificates from templates; inbound documents recorded.
- E-signature
- Connect electronic-signing services for the agreed contract and origination workflows.
- OCR-based classification
- Inbound documents classified automatically and attached to the case.
- Audit trail
- Every decision and document action is logged.
- Disbursement
- To the customer’s deposit account or a third party on approval.
- Real-time posting
- Journal entries by product, amount type and account at disbursement.
- Handover to servicing
- Contract passed into servicing or to the servicing system you keep.
Product catalog 6 product groups
- Mortgage / home loan
- Property-secured lending with collateral records, valuation-based limits and long-term repayment schedules.
- Collateral and certificate-pledge loan
- Loans secured by deposits, certificates or other pledged assets held in the same system.
- Guarantee-backed loan
- Loans backed by a guarantor or guarantee institution, with the guarantee recorded on the contract.
- Auto finance
- Vehicle purchase financing with dealer-channel intake; extended dealer and lease functions are in Bankware Asset Finance Solution.
- Lease
- Lease contracts originated through the same decision and document flow.
- Assessment / credit templates
- Generic-model templates for scoring and assessment conditions reused across product lines.
Loan servicing
6 areas · 35 detailed functions
Loan contract lifecycle6 functions
- Disbursement
- Single or multi-tranche disbursement to the deposit account or a third party.
- Contract maintenance
- Changes of terms, inter-branch transfer, restrictions and dormant handling.
- Early repayment
- Partial or full prepayment with schedule recalculation and configured fees.
- Closure
- Contract closure with release of collateral and final accounting.
- Certificates and statements
- Repayment schedules, balance certificates and statements issued from the contract.
- Numbering / sequence generation
- Contract and document numbers from 13 or more patterns.
Repayment and interest7 functions
- Repayment schedule
- Generated from the product condition and recalculated on any change.
- Interest accrual with simulation
- Accrual on base plus preferential rate composition, simulated before it applies.
- Interest equation types
- Additional interest equations added as plug-ins without changing existing programs.
- Fee-waiver rules
- Waiver conditions added as plug-ins.
- Auto transfer / Center-Cut batch
- Installments collected by automatic transfer or the day-end Center-Cut batch.
- Catch-up collection
- Missed installments collected asynchronously and in parallel.
- Unified fee management
- Servicing fees managed centrally with what-if simulation.
Collateral and guarantees4 functions
- Collateral record
- Collateral registered, valued, revalued and released against the contract.
- Certificate pledge
- Deposit or certificate pledged and frozen in the pledged account.
- Guarantee
- Guarantor or guarantee institution recorded on the contract.
- Multi-dimensional balances
- Frozen balances held apart from available and actual balances.
Restructuring and arrears5 functions
- Obligation tracking
- Outstanding balances and obligations per contract.
- Repayment scheduling
- Rescheduling of installments with approval.
- Restructuring workflow
- Term changes through maker-checker with audit trail.
- Transaction restrictions
- Restrictions on the contract or customer by channel when in arrears.
- Collection-system integration
- Cases passed to a separate collection system through the integration layer.
Accounting and general ledger6 functions
- Real-time / deferred posting
- Disbursements, repayments, accruals and write-downs post to a multi-entity ledger as the rule defines.
- Journal-entry rules
- Entries derived from product, amount type and account.
- Balance reconciliation
- Business ledger, off-balance items and GL reconciled.
- Off-balance transactions
- Commitments and guarantees recorded off balance sheet.
- Suspense-account management
- Unapplied repayments tracked until cleared.
- Business open / day-end close
- Day-end close with pre-close validation.
Customer, benefits and operations7 functions
- Single customer view
- Loan balances next to deposit and FX balances, transactions and benefits.
- Benefit determination and granting
- Rate discounts and other benefits from the benefit ledgers.
- Preferential pricing
- Rate discounts by balance tier, taking the maximum tier.
- Maker-checker approval
- Single or multi-level with thresholds and escalation.
- Business-day / holiday calendar
- 30-year calendar for due dates and accrual.
- Notification and multi-language
- Due-date and arrears notices through the unified API.
- Organisation and permissions
- Seven-dimension access control.
Product catalog 6 product groups
- Mortgage / home loan
- Long-term secured lending with collateral records, accrual, schedules and restructuring.
- Collateral and certificate-pledge loan
- Loans secured by pledged deposits, certificates or other assets held in the same system.
- Guarantee-backed loan
- Loans with a guarantor or guarantee institution on the contract.
- Auto finance
- Vehicle loans serviced on the same ledger; dealer and lease functions are in Bankware Asset Finance Solution.
- Lease
- Lease contracts serviced with schedules and asset records.
- Derivative templates
- Set-off and swing templates from the generic product model for netting arrangements.
05 / Foundation and delivery
Products, connections and delivery
Products behind the solution
BX-CBP
Main productLoan origination and servicing capabilities
Loan originationLoan servicing
Connect the lending ecosystem
Channels & partners
Branch, digital portals and partner channels
External services
Credit bureaus, partner-data providers, electronic-signing and OCR
Retained bank systems
Deposits, loan servicing, collections and general ledger; payment and regulatory-reporting interfaces where required
Logical interface view. Agree the origination-to-servicing handover, interface list and data responsibilities for your institution.
Configure, connect and launch
Plan deployment in the bank’s environment or an agreed cloud environment.
- Step 1
Define & configure
Agree lending scope, retained systems and operating responsibilities. Configure supported products and workflows.
- Step 2
Connect & validate
Implement agreed interfaces and test the lending handover. Scope extensions and additional development separately.
- Step 3
Rehearse & launch
Map migration data, rehearse and reconcile before the agreed cutover and operational handover.
Migration and cutover scope
- Open applications, customer and KYC records, decision history and document repositories where continuity is required; closed applications can be archived
- Live contracts, conditions, balances, accrued interest, repayment schedules and history
- Collateral, guarantees, restructuring history and open documents
- Bankware migration tools and rehearsals, with bank-owned cleansing and sign-off
- Parallel-run cutover where required
06 / Evidence
Lending technology in practice
Kakao Pay
A lending system for Kakao Pay
South Korea · Lending system
Bankware was awarded Kakao Pay’s lending-system project, bringing BX-CBP-based lending technology to the fintech company.
07 / Contact
Discuss your lending requirements
Describe your loan products, origination channels, credit decision requirements, servicing platform, general ledger and collections systems.