The Crediting system «The Prompt Credit» automates all the main business processes of the credit company. The software product The Crediting system «The Prompt Credit» is a multi-tier application developed in C# with MS SQL Server 2000 database engine (about 200 tables, some tables have up to 10 million records). The development of the application was started under .NET Framework 1.1, and then it was migrated to.NET Framework 2.0. This is a Windows Forms application with a smart client which can work online and offline. Its architecture supports thousands of concurrent users, scalable layers, and an enhanced security model. The layers of the application communicate with each other with Web Services, .NET Remoting. The application is optimized to work with many records and to avoid database deadlocks. The source code conforms to the internal coding guidelines.

1. Consumer Lending System
«Prompt Credit»

2. System «Prompt Credit»
Credit System Implementation: Strategy
Basics
 Efficient Data usage, Data
verification and control
 Integration with other
information systems
 Contemporary Software
 Personnel trainings
Datausage
Integration
GoodSoftware

3. Insurance
Company
or Agent
Bank
Lending Process Parties
Partners:
Realtors,
Markets,
Shops
Client
Credit or
Insurance
Brokers
Prompt
Credit
System «Prompt Credit»

4.  Prompt credit implements know-how, based on
years of experience of active work in the
sphere of crediting on Ukrainian market
 Online and Offline modes. Ability to work with
poor communication channels (GPRS, dial-up)
 Functional completeness of the system
Advantages

5.  Flexible implementation, adaptation and
configuration
 High performance, scalability and reliability
with large data volumes
 Common standards for the construction of the
user interface, intuitive UI which allows for a
fast user training
Advantages

6. Automated Processes

7. The main stages of the lending
process .

8.  Centralized
management of credit
products:
Different product types
Creating of product
lines
Grouping by different
parameters
Product Module

9.  Change log for each
credit/financial product
 Insurance products.
Linking to credit
product
 Sales channels for
distribution of products
(chains, shops)
Product Module

10.  Consultations
 Selection of products for
customer
 Making applications
 Signing of contracts
 Know-how “The customer
won't be left without
service” (no internet)
 Multilevel data checking
Customer Service

11.  Flexible settings
scoring parameters
calculation methods
rules for automatic
decisions
Scorings and Decision Tree

12.  Automatic processing of incoming applications
Pre-scoring
○ Data checking and valuations
○ Compliance with current credit policy
○ External data sources verification (Credit
bureau, blacklists, security databases, etc.)
Scoring
Multilevel automatic decisions
Verification of new partners
Automatic Decisions

13.  Distribution of applications among specialists
(“Queues“ – function)
 4 levels of decision-making and 7 points of
competence
 Workflow settings
 Path-tracking and time-tracking for the decision
 Providing the necessary information for decision-
making
Multilevel Decisions (manual)

14. Loan Monitoring and Maintenance
 Customer data and
contract data
amendments
 Customer
interactions history
 Approval and
cancellation of
contracts at
different stages

15.  Credit funds.
Repayment monitoring
 Changing of
conditions in the
contracts. Change log.
 Additional agreements
Loan Monitoring and Maintenance

16.  Chains
 Partners (realtors, auto-salons, boutiques,
shops, etc.)
 Point of sales
 Consultants
 Groups of partners
 Crediting policy for channels
Sales Channels Management

17.  Commissions for
partners
 Commissions for
consultants
 Commissions for
products
 Reports on
commission
payments
Sales Channels Management

18. Features:
 Flexible configuration of registries and grids,
filtering, grouping and unloading to MS Excel
 Report generator
 Availability and accessibility of the gathered
information for the report building
 Reporting Services and Analysis Services (MS
SQL Server)
Reporting Subsystem

19. Types of reports:
 The dynamics of credit turnover by region,
shops, employees, etc.
 Reports for partner relations
 Point of sales reporting
 Analysis of errors and exceptions
 Package of documents in the loan deal
 Other reports
Reporting Subsystem

20.  Doc flow settings
 Doc flow monitoring
 Archive
 Barcode scanners, batch processing of
paper documents (significant improvement)
 Reminders
Doc Flow

21.  Data exchange log
 Communication
sessions analysis
 Different types of
requests to the
external systems
Integration with Other Systems

22. Data exchange formats and protocols:
Web Services
SQL - direct requests to the DB server
Remoting
COM
XML, TXT, CSV
Integration with Other Systems

23. Architecture, Technical Details,
Support

24. System Deployment Architecture

25. Desktop - application – “smart client”:
Reach multifunctional user interface
Data entry acceleration and increasing of
data quality
Desktop

26. Centralized version control on the
workstations
Easy administration
Critical / Noncritical update
Automatic software update

27.  Authorization and activation of workplaces
in headquarters
 Workplace binding to PoS
 Unauthorized workstation cannot make a
loan (fraud prevention)
Control of Installed Workplaces

28.  Flexible administration
 Role settings
 Distribution of duties and
responsibilities
 Role based access rights
Access Rights

29. «Prompt Credit» - your Modern
Solution
We are happy to help you make your
business thriving!