A single backbone platform to support multiple credit products

eMACH.ai One-Origination Platform is segment agnostic workflow based intuitive application processing and credit decision facilitating system that supports contextual data capture & consumption, data enrichment through external sources, internal credit scoring, distributed verifications and validations, consultative reference and opinion checks within teams, automated or user triggered credit decision and underwriting.

eMACH.ai One-origination Platform allows Banks and Financial Institutions to:

• Have a single backbone platform capable of supporting multiple credit products across segments. The platform is extendable to support contextual coverage of necessary data points, business processes, approval mechanisms and interface adapters.
• Provide personalised loan request sourcing and loan servicing customer experiences across different experience touchpoints. These can be initiated and completed by “Self” or “Assisted” by bank’s staffs, relationship managers, partners or collaborators.
• Accept applications and enquiries from various access points/channels, providing customers with tools to determine amount they are eligible for, down payment requirements and installment amount basis guideline APR values.
• Enable straight through automated process basis defined criteria which mirrors bank’s credit policies. Flexible rule/criteria creation empowering bank users to create business rules as per changing policies through an intuitive, low code and easily navigable visual interface.
• Be self-reliant through a DIY stack to adapt / compose domain objects, fields, process flows, rules for various credit products and segments to bring the required business change agility.