Our Products
Loan Origination System (LOS)
Our Loan Organization System (LOS) is extremely efficient and easy to use, providing a seamless experience for Digital borrowers and Dealers.As a financial institution or service provider, using our LOS sets you apart from the competition. Our LOS improves efficiency, simplifies processes, and speeds up response times throughout the loan origination cycle, including loan applications, underwriting, decisions, and loan funding. We don't just provide a basic solution, but we offer a customizable LOS tailored to your specific needs. Your institution is unique, and with our various customization options, you can explore new possibilities in Digital Lending world.
Our Products
Decision Engine (AI)
Our AI-powered Decision Engine, which is a rules-driven automation platform, utilizes vertical specific algorithms and rules defined by the lender to make decisions based on the borrower's criteria. It streamlines the decision-making process and can be tailored to fit the unique needs of the business. The engine analyzes data from various sources such as credit bureau reports, bank statements, expense reports, SMS data, accounting software, credit scores, identity verification, and income data, to ensure accurate and conclusive approvals or denials. The system also incorporates a human element to further enhance the decision-making process and gives complete control over the standards that must be met for approvals. This enables us to efficiently and quickly complete the hours-long process of verification and eligibility in a fraction of a minute.
Our Products
Loan Management System (LMS)
Our Loan Management System (LMS) offers a user-friendly interface for lenders to manage complete loan life cycle i.e, origination, serving the borrowers and ensures timely collection as per repayment schedule. The system is designed for efficiency, with a focus on error-free operation and robust security of data & documents. Additionally, our LMS is highly customizable to meet specific business needs. Our LMS offers centralized access with multiple communication channels like email, SMS, WhatsApp etc, and an admin dashboard as well as role centric dashboard for various roles within the organization. Our Loan Management System (LMS) provides comprehensive reports Track loan applications, re-verify credit worthiness of borrower, loan disbursement, processing fees and interest rates, collaterals (in case of auto loan GPS is used) and repayment calendar. These reports can be generated for individual borrowers and dealers, and evaluate the performance of the merchant and product offered.The system's reporting feature allows for easy visualization and understanding of the direction of the business.
Our Technology Services
Ideation
During a discovery phase workshop, the client and Theecode work together to assess the company's
capabilities, maturity, and expertise, and to understand the client's goals, roadmap, and
expectations.
The workshop typically lasts for 5-10 days and is used to validate the business idea and
determine the next steps.
Our Technology Services
Working Concept
The Working Concept Phase is a stage in product development where we help the customer
to visualize their idea by creating a Rapid prototype with our Customizable Lending
Framework. This allows the customer to quickly see and interact with a working version
of their vision and to identify any features or use cases that may need further
development or refinement.
The goal of this phase is to create a functional
prototype of the customer's
idea, which can be used to validate the concept and gather feedback from stakeholders
before moving on to the final development stage.
Our Technology Services
Product Implementation
During the Product Implementation phase, Theecode builds for Customers with our Plug and Play
Framework the integrations required for the final implementation. Integrations includes Credit
bureau of your choice like Transunion, Equifax and Experion, Identity
Providers like Instnt,Ideology,Argyle,Middesk,Metamap etc., Open Banking Providers like
Plaid,Flinks,Unit etc., Accounting softwares like Codat, Quickbooks, Payment Providers like
Repay,loanpaymentpro,Cliq and A2A Payments like
Modern Treasury.
Finally, in the delivery phase, we hand over the completed application
to the customer within the Cloud of their choice with both OnPrem or Cloud Database, providing
ongoing support
and maintenance as needed.
Integrations
Insights
Thoughts from our blog and important press releases
2023-03-24
The lending process may seem simple on the surface - a borrower requests a loan, undergoes...
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2023-03-20
In the current decade, technology has become an integral part of...
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2023-03-10
In recent years, digital payment adoption has become a global phenomenon, prompting countries and states to strive for ...
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2023-02-22
The lending business has come a long way from paper-based processes to digital lending platforms. In the past, getting a loan was...
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2023-02-13
With the arrival of a new year, it's time to reflect on the past and anticipate the future of the lending market in the fintech industry. The industry is...
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2023-01-26
The concept of finance and technology was introduced to the world years ago and it has been booming since then...
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2022-06-20
How at ATG (Alchemy Technologies Global) we enable our Clients from Initiation to Execution...
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