Habile Technologies is a fintech company that has been providing digital lending solutions globally for over 13 years, with a strong focus on various financial services. Their product, CloudBankin, offers a comprehensive suite of technology solutions for banking, including loan origination, management systems, and mobile applications, all designed to enhance efficiency and customer engagement. The platform is built on advanced technologies and integrates various banking processes while supporting customizable features tailored to different financial needs.

1. Product
Document
HABILE TECHNOLOGIES

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About
Habile Technologies
An innovative TechFin company bringing digital
lending solution all over the globe for the
last 13+ years
Strong focus on Fintech Market
(Lending, Supply chain finance, Factoring,etc.) in
9 countries
Extensive experience in service &
product implementation for 50+ financial clients
across the globe
Habile means highly able, skillful, adroit and handy.
Habile offers complete spectrum of Technology
Solutions for Banking and Financial Services
organisations.
With expertise in technology as well as the domain,
Habile provides innovative solutions to our clients

3. Benefits of CloudBankIN
Monthly Subscription
Easy of Use
Being an intuitive interface with advanced navigation features, and enhanced
flexibility makes CloudBankIN easy to use
Affordability
Habile offers different product packages based on the volume of the
customers to allow all types of banks and financial organizations to leverage
the benefits of CloudBankIN.
Mobile ready
Empower your consumers as well as employees with enhanced mobility
through CloudBankIN. CloudBankIN offers device-agnostic mobile applications
for the unprecedented growth your business and customers
High value
The cloud-native feature of CloudBankIN allows users to enjoy a whole plethora
of value added services without spending too much.
Monthly Subscription Habile is a proven player in the technology sector, and CloudBankIN is a robust
platform built using the newest technologies like Spring Boot (J2EE) and
MariaDB. To add more credibility to the product, CloudBankIN is hosted through
the perfectly secure Amazon Web Services.
Reliable and secure
Monthly Subscription
Environment friendly
Say goodbye to paper with CloudBankIN! CloudBankIN allows electronic mails
and SMS facilities for sending notifications thus minimizing the usage of paper
for all transactions.
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4. MODULES DESCRIPTION
Loan Origination System
CloudBankIN has been developed specifically to support its clients with
digital technology for document imaging and archiving. This application
reduces the inefficiencies and slack caused by paper handling. When you
choose CloudBankIN, you are equipped with the most comprehensive KYC
reporting system to serve your customers better. Also, CloudBankIN has its
own pre-built credit scoring system that makes monitoring of credit
performance easy and efficient.
KEY FEATURES
Loan Management System
As your business grows, managing your loan transactions efficiently can
become a challenge. With CloudBankIN, loan management becomes
simple, streamlined and efficient. The system offers easily-configurable
modules for all types of loans. The standardized and effective loan
management processes of CloudBankIN will enhance the productivity by
many folds. Clients will be able to manage their customers in multiple
locations through a single platform. The solution will enable quicker
decision making and easier management of the loan management
processes.
Core Banking System
CloudBankIN integrates the complete range of banking processes from
end-to-end and proves to be a complete core banking solution to its
clients. Using CloudBankIN, clients can configure different types of savings
product like FD, savings account, RD with ease and make payments
through tightly secured channels. CloudBankIN is a rare combination of
user-friendly interface and robust backend support which makes it a
reliable banking system for conversion of loan account to saving account
and vice versa.
Rule Engine
CloudBankIN rule engine will be completely configurable based on the
customer requirements. It captures basic details like name of rule, total
score of rule, rule applicable for(entity/individual), % of income
considered as FOIR, % of FOIR which can be given as Loan Installment
Amount. It captures the range of scores and color given to that range
which is to be displayed in the speedometer.
Accounting System
The account management module has been designed to offer optimal
visibility through the real-time generation of balance sheets and income
statement. CloudBankIN allows you to set your own rules and supports
automatic and manual entries to general ledger and journal entries.
CloudBankIN also supports additional functionalities like accrual, the
creation of chart of accounts, etc.
Reports
Empowered by Pentaho, It allows you to convert all your data into
meaningful insights and creates pixel-perfect reports in all forms (Excel,
PDF, HTML or XML) and on a real-time basis. CloudBankallows you to
generate multiple relational and analytical reports from various data
sources, and this is considered to be the most intuitive feature of our
product.
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5. CLIENT ACCOUNTS
Client Accounts - Single customer view. Support for transactions against implicit client accounts
Document Management - Capture documents against Client, Group and Centre accounts
Flexible Lifecycle - Configurable lifecycle and approval hierarchies including support for closures
and blacklisting
Ad-hoc Data Capture - Define and capture organization specific data against Client, Centre and
Group accounts
KYC, Images and Signatures - Complete support for KYC rules across multiple regions
Customizable Communication and Reports - Create your own custom Client communication
materials and reports
Risk Management - Analyses risk rating of Customers based on configurable criteria
LOAN ACCOUNTS
Multiple Product Types - Deep diversity in product configurations. Can be used to support
multiple varieties of loans products including personal loans, business Loans, housing and
equipment loans, agricultural loans, payday loans, revolving credit, top-up loans etc.
Flexible Account Associations - Individual loans, Group loans, and Group Loans with Individual
Monitoring
Completely Customizable - Sequence of appropriation of payments, principal and interest
moratoriums, rounding definitions, amortization, interest method, days in year/month for
calculations, arrears and NPA definitions, graduations based on loan cycles etc.
Flexible Repayment Schedules - Support for customizable repayment schedules supported for
different loan products
Configurable Interest Recalculation - Configurable interest calculation on pre-closures,
configurable behavior on advance payments (reduce EMI, number of installments or reschedule
next repayments), configurable compounding on interest, fees or a combination of both fees and
interest, configurable frequency for calculating outstanding principal (daily, weekly, monthly or
same as repayment period) and arrears recognition
Configurable Override Criteria - Control which parameters of loan products may be changed while
creating individual loan accounts
Flexible Charges and Penalties - Specified due date charges, disbursement charges, installment
charges, overdue penalties and tranche disbursal charges with support for min and max caps and
configurable calculation criteria
Multiple-Disbursals - Support for multi-tranche loans like housing loans with configurable
maximum outstanding balance
Comprehensive Guarantor Management - Track multiple guarantors and savings accounts for
each loan, allow releasing guarantee amounts over the loan repayment cycle
Ad-hoc Data Capture - Define and capture organization specific data against loan accounts
Integrated Accounting Rules - Integrated cash and accrual accounting
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6. LOAN ACCOUNTS
Advanced Accounting Rules - Map specific payment channels (mobile money, check, cash etc.) to
separate fund sources. Also, map specific charges and penalties to any income or liability
accounts
Loan Reschedule Functionality - Reschedule active loans by extending loan term and adding
additional installments, change due dates of future installments, introduce mid term moratoriums
and interest rate adjustments
Collateral Management - Robust collateral management module which can be linked to particular
Loan products.
Flexible Lifecycle - Configurable Lifecycle and approval hierarchies
Index Lending Rates - Set period specific base Lending Rates that are automatically applied to
select loan products and loan accounts
Taxation Support - Complete support for associating taxation rules with integrated accounting
Configurable Product Mix - Define rules to restrict number and type of simultaneous loans for a
Client
SAVINGS AND DEPOSITS
Flexible Fixed Deposits - Min and max deposit term, Premature closures and penal interest,
flexible interest rate slabs with incentives based on criteria like age, gender and client type
Flexible Recurring Deposits - Configurable lock-in period and min-max terms, Premature closures
and penal interest, flexible interest rate slabs with incentives based on criteria like age, gender
and client type, mandatory and voluntary recurring deposits, support for withdrawals,
configurable behavior on advance payments
Advanced Accounting Rules - Map specific payment channels (mobile money, check, cash etc.) to
separate fund sources. Also, map specific charges/penalties to any income or liability accounts
Flexible Charges and Penalties - Specified due date, account activation charges, recurring
charges, withdrawal charge and overdraft penalties with support for min and max caps and
configurable calculations
Ad-hoc Data Capture - Define and capture organization specific data against savings accounts
Account Transfers and Standing Instructions - Transfer funds between savings accounts, post
interest earned on term deposits to linked savings accounts, pay loan charges from linked savings
accounts, disburse loans to savings accounts etc. Support for standings instructions
Taxation - Complete support for associating taxation rules on interest posting with integrated
accounting
Flexible Lifecycle - Configurable Lifecycle and approval hierarchies
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7. SHARES AND DIVIDENDS
Shares Management - Manage shares associated with Clients
Dividend Posting - Configurable criteria for calculating and posting dividends
Savings Integration - Setup recurring deposits from purchasing shares from members savings
accounts and post dividends to savings accounts
INTEGRATED ACCOUNTING
Branch Level Accounting - Charts of accounts is defined at an Organizational level and accounting
is done on a Branch level
Flexible Chart of Accounts - Define your Organizational Chart of Account Hierarchy
Portfolio Integration - Every activity on the portfolio (loan disbursal and repayments, accruals,
savings withdrawal etc.) creates journal entries based on configurable rules
Manual Journal Entries - Simple and Compound Journal entries
Recurring Journals - Support for recurring journals
Journal Entry Automation - Create templates for frequently made Journal entries
Accounting Closures - Branch Level accounting closures stops all portfolio transactions that affect
the General Ledger before the date of Closure
Standard Accounting Reports - Branch Level accounting reports consolidated at the Head office:
Trial balance, Balance sheet, Income statement, General Ledger report etc.
Export to Third party Accounting Software - Export journal entries to third party accounting
softwares like Tally.
ORGANIZATIONAL SETTINGS
Holidays and Working Days - Define Holidays at a Branch level along with rules for rescheduling
payments due on holidays
Fund Tracking - Track Fund sources against Loan products or individual Loan accounts
Multi-Currency Support - Set currency used for each Loans, Savings product and individual
Journal entries
Provisioning - Define provisioning categories and automated provisioning `s on a per loan product
basis
Branch Management - Manage Office Hierarchies, staff and users within each branch
Account Number Generation Preferences - Defines preferences for generating Client, Loan and
Savings account numbers
Trap-Door Settings - Configure various Organizational settings like the beginning of the financial
year, rounding modes used etc.
Teller Management - Manage Tellers and Cash associated with them
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8. REPORTING AND DASHBOARDS
Inbuilt Reports - Over 50 default reports which can be exported in PDF, HTML, EXCEL and CSV
formats
Embedded Pentaho Server - Create and upload your custom Pentaho reports
User Defined Reports - Supply your own SQL statements to create simple tabular and graphical
reports on the fly without the need of any reporting suite
Dashboards - Role based Dashboards tracking various Portfolio and activity statistics
Flexible Analytics and Visualization Platform - Real time summary and Charting of streaming data,
intuitive interface for a variety of users and instant sharing and embedding of Dashboards
List of Reports - Few important reports in the application are Active clients report, Expected
demand report -Branch wise, Loan disbursement report, Collection report, Demand report, Branch
summary report, Loan outstanding report, OD report, etc.
BULK DATA ENTRY
Group Collection Sheets - Easy Bulk data entry for Loan Officers and the Centers and Groups
associated with them
Branch Collection Sheets - Easy Data Entry for the entire Branch (useful for small branches
following individual lending)
Checker Inbox - Easily view and verify tasks pending Checker approvals
Loan Officer Reassignment - Easily reassign Loan Officer for Centers. Groups and Multiple Clients
Bulk Approvals - Easily view and approve life cycle transition events (Loan approvals, disbursal's
etc.)
SECURITY
Configurable Authentication Mechanisms - Choose between Basic authentication over HTTPS or
Oauth2 (Resource owner password credentials) over HTTPS
Configurable Roles and Permission - Every activity (API) in the system has a permission associated
with it, collect various permissions into organization specific roles and assign multiple roles to
users
Audit Trails - Audit Trails are maintained for every create/update/delete activity in the system
Maker Checker - Optionally turn on maker checker for every activity in the system
Password Preferences - Configure password preferences like inactivity timeouts, expiry duration
and Organizational preferences for secure passwords
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THIRD PARTY INTEGRATIONS
Web Hooks - Integrate with any web application and respond to system generated events
utilizing our Web hooks framework
SMS providers - Plan and schedule SMS campaigns and alert customers to any system events by
integrating with different service providers
Credit Bureaus - Integration with popular Credit Bureaus like Equifax, CRIF Hignmark and CIBIL
KYC Verification - Integrated with third party vendors to verify the Aadhar and Pan infrmations of
the customer
CRM Integrations - Agile CRM has been integrated with the application
Payment Gateway Integrations - For the auto disbursal and direct debit (E-Nach) from the
customer bank account for collection
MOBILITY SOLUTIONS
Back office Android client - Native Android Client that supports viewing customer accounts and
performing bulk data updates
Offline support - Native Android Client supports creating customers and Groups Offline. Collection
sheets can be edited offline and then uploaded when an internet connection becomes available
Customer Self Service Portal - Customers can login and view details of their own accounts on Self
service portals. They can download the app in the playstore and do E-KYC, CB Check, Bank
statement Analyzer and get their eligibility with the help of our Rule Engine.