Enable Digital Business models with Mobility.
For SMEs we offer term loan and revolving overdrafts for working capital. To assist underwriting, we provide a flexible rule engine, bureau integrations, feeds from bank accounts, SMS scraping, GST data, Bharat Billpay data, other alternative sources and OCR capabilities. We also offer a lending product to assist organizations with on-time salary payoffs.
Our Joint Liability Group product is specifically designed for small ticket sizes to drastically reduce operational costs through bulk and straight through processing and field force management. We help manage group / center definitions, capturing attendance / biometrics, group origination, servicing and collections.
Our seamlessly integrated LOS and LMS allows Financial Institutions to efficiently originate, sanction and manage the loan lifecycle. We assist in lending to the non-salaried class through eligibility scorecards integrated with alternate data based scores. Straight-through processing and India-stack adds to the reduced turnaround time.
We provide a holistic set of features around merchant management, txn management, limits, risk and compliance to leverage networks. Financial institutions can reduce cost of adding incremental services and cross selling new products. Bank account opening, AEPS enabled banking transactions, merchant payments, cash management, bill pay and financial services personalized for savings, insurance and investment needs of customers are the services offered through this channel.
We support several complexities of rolling out a consumer durable lending product. We support dealer funding, manufacturer and dealer subvention, disbursement to dealer bank account, dealer line adjustment, integration adapters with OEMs to validate products and a broad range of dealer and manufacturer masters. Our field officer app focuses on sharply reducing origination time for dealer and financial institutions.
Personalized Line of Credit
We providing affordable, personalised offers to customers through a line of credit. This alternative overdraft account has a drawdown made against the available credit facility to allow the customer to access funds up to the agreed limit with many variations of linking custom terms to checkouts consisting of goods and services. Customers can defer taking the full amount of the loan and will only repay the amount they use. This is the start of the customer journey and enables expanded credit opportunities.
Customer Self Service App
This webapp and android based app allows end users to access information and perform routine tasks like applying for a loan, repaying a loan, initiating account transfers, managing CASA and deposits.
Field Officer Origination App
This is an android based app that enables direct selling agents, loan officers and other sales operatives to onboard SMEs, agents and microfinance clients on the field. E-KYC and eSign based onboarding reduces turnaround time and cost. The same app can be used to carry out other field force activities like contact point verification.
Back Office Management App
This supports the back office roles at all organization hierarchy levels to carry out loan management, loan origination, collections, wallet / CASA management, deposit management and treasury management.
This android app enables retail chains / merchants and agents to offer comprehensive services to their customers. Retailers can offer access to banking ecosystem and bill payments to customers. Merchant payment acceptance offers Bharat QR, UPI, SMS/USSD-based payments and AEPS. Corporate customers of an organization can avail cash pickup and drop services.
Fynarfin offers an exhaustive set of India stack capabilities from Aadhaar Authentication, Paperless eKYC, eSign, UPI (Universal Payment Interface), Bharat Bill pay and Bharat QR. These capabilities are seamlessly integration into all payments, loan origination and servicing offerings.
Analytic and Business Intelligence
Enabling financial institutions with real-time and actionable insights
We provide a broad set of dashboards that covers slicing and dicing large scale Transaction volumes, Loan portfolio, Spatial operational insights, Security threats and Performance bottleneck monitoring. These real-time dashboards enable better decision making at all levels including analysing day-to-day operations and branch-level field force management.
Customers are increasingly moving towards engagement via unstructured micro-conversations for financial services