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C4INFOTECH - SFS Enterprise Mobility

  1. working for the souls! Enterprise MobilityTM
  2. Enterprise MobilityTM Interactive, Innovative, Impressive Anywhere Anytime…
  3. Process Flow01 Features02 AGENDA
  4. Process Flow (At Field Level) Loan Application Form (LAF) data entry will be done at the doorstep of the clients and all the soft copies of client related documents will be taken by the Credit Officer along with their GPS recordings. Credit Officers Data Entry LAF document will automatically be displayed in BM work que at login once it is submitted by the Credit Officer. The BM will conduct complete client’s appraisal by using GPS technology available in Smart Financial Suite. Branch Manager Verification 01 Area Managers will conduct complete desk appraisal and random field appraisals as per SOPs. Area Manager Verification 02
  5. Process Flow (At Head Office Level) The case then moves on to next level that is Risk Officer appraisal. An Independent complete appraisal will be ensured using GPS technology. The data will be rechecked to make sure its completeness, validity and accuracy. Risk Officer Final Approval Finance department will allocate an XPIN (System Generated). The cheques of the approved clients will be sent to the bank for disbursement to clients’ accounts. After uploading of the file, the XPIN of the successful transactions will be sent back to branches. Finance Department Xpin/Cheque As the branch is intimated for the availability of funds against their requested clients for disbursement, it will provide the XPIN Codes/Cheque to the clients for encashment from designated banks. Branch Staff Disbursement
  6. Past vs Now
  7. Environmental friendly solution ( first step towards paperless banking) Based on cash flow lending/credit scoring tool developed by M-Cril Real-time data processing Geo tagging of clients and tracking via google map Reduction in Turnaround Time (TAT) Cost effective solution for clients On the go approvals Environment Digital transformation Enhanced Customer Services Client and Staff Tracking Portfolio Management Real-time staff location & monitoring Intimation to client about their loan application status Hassle free handling of clients related documents (softcopy) Independent client appraisal, compliance and audit using GPS technology Seamless portfolio transfer Reduce staff dependency for client tracking Follow-up of recoveries, clients commitments and nearby overdue clients popups Loan application process tracking and real time recovery posting view Due recovery messages to clients Salient Features of Smart FS
  8. NADRA Verisys Integration Easily traceable clients data base Reduction in errors, mistakes and fraudulent activities Capacitating credit officers for the upcoming era of advance technology Data removal (against pre-defined criteria) from TAB once uploaded to server Technology Advancement Data Security Staff Capacity Building Transparency & Risk Mitigation Authorized access through VPN Connectivity Data and app protection via launcher Availability of online reports, especially related with due and overdue clients Decentralization of credit bureau enquiries Data accuracy using OCR technology Automatic poverty scorecard data extraction Different dashboard according to user rights Reduction in the risk of lost of data (physical files) A step towards standardization Salient Features of Smart FS
  10. High Operational Efficiency/TAT Less Human Effort On The go Approvals High Data Accuracy Portfolio Growth Overall Mobility Features Time Management
  11. Increased Geographic Presence/Outreach More Products & Services Offering Improved Customers Experience Proactive Clients’ Traceability Ultimate Risk Coverage Mobility Features Fully Optimized
  12. A Bundle of Aspiring Modules with Lots More Options Business Intelligence Dashboard
  13. Reducing TAT Using Real Time Connectivity Borrower Credit Officer Head Office Area & Regional Offices Branch Office
  14. Distinctive Modules
  15. Modules Disbursement Overdue Clients Loan Tracking List Reports Follow up Clients Nearby Clients Approvals Recovery Form Digital Verification
  16. Borrower’s/Client’s Digital Verification
  17. Disbursement Management  Basic Client Information  Group Formation  Loan Formation Information  Client Business Information  Details of Domestic Income  Household Facilities & Health Status  Household assets, Livestock & Cash flow  Loan Utilizer information  Guarantor Information  Attachments  Loan Submission form
  18. Approval Management  Standard List of Pending Approvals  Search Member wise Approval Status  View/Print Loan Application Form  On Approval Rejection Notify to User
  19. Submit Case Approval(s) Flow Credit Officer Branch Manager Compliance Officer Area Manager Program Manager  Credit Officer Enters Data  Credit Officer Approval  Branch Manager Approval  Compliance Officer Approval  Area Manager Approval  Program Manager Approval
  20. Overdue Clients View  List of all Overdue Clients  Applicant List with Detail  Show Data as per Rights
  21. Nearby Clients View  View Clients during Field work  View Clients on Google Map  Trace Clients and view Detail on Google
  22. Borrower’s/Client’s Location on Map
  23. Credit Officer’s Location on Map
  24. Loan Tracking List Management  List of Current Loan Application in Process  Search Pending, Approved and Rejected Cases  Trace Client By CNIC and Product
  25. Recovery Management  Enter Recovery individual/ Group Wise  Search Facility for Quick Data Entry  List Recover Records