CRIF CJaaS: A Fully Integrated Digital Onboarding Platform

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Smart Digital Journeys for Unmatched Customer Experience and Risk Management

When it comes to loan applications and disbursals, customers expect personalised choices and instant responses. CRIF’s Customer Journey as a Service (CJaaS) is a fully integrated digital onboarding platform for Personal Loans, Unsecured Business Loans and Vehicle Loans. Here, solutions for customer onboarding, risk assessment, account aggregation, KYC and credit underwriting are pre-configured to enable real-time decisions.

Drivers for Improved Customer Experience

Easy Customer Onboarding

Robust Risk Evaluation

Quick Loan Approvals

Instant Disbursement

Enable Best-in-Class Customer Journeys

PFM

Get an Edge with Easy Customer Onboarding and Risk Management

Pre Configured Product Journey

Pre-Configured Product Journey

Offers smooth customer onboarding for cross-sell or new customer acquisition for Personal Loans, Unsecured Business Loans and Vehicle Loans

Product Coverage (1)

Product Coverage

Designed for Vehicle Loans, Personal Loans and Unsecured Business Loans.

Customer Acquisition With Loan Initiation And Risk Assessment

Customer Acquisition with Loan Initiation and Risk Assessment

Comprising of lead capture, loan initiation, risk assessment and approvals.

Configurable For A Spectrum Of Customer Segments

Configurable for a spectrum of customer segments

Salaried, self-employed professionals and self-employed non-professionals.

Multichannel Multidevice Capabilities

Multichannel, Multidevice Capabilities

Enables better interactions with self-initiated and agent-assisted solutions and also loan applications via web, mobile, social media and email.

Quick Go Live Feature (2)

Quick Go-Live Feature

Complete SaaS offering with OPEX-based pricing for faster ROI realisation.

Integration With Crif Partners And Third Parties

Integration with CRIF, Partners, and Third-Parties

End-to-end experience with digital on-boarding, CRIF credit bureau, CRIF account aggregator, KYC, e-agreement, client LOS APIs, scorecards, embedded Business Rule Engine (StrategyOne), CRM systems and more.

Just a 5-Step Loan Journey for your Customers

All it takes is a few simple steps to fulfil personal endeavours or business ventures.

  • 01. Log-In
  • 02. Identity Capture and Verification
  • 03. Risk Assessment
  • 04. Loan Offer & Contracting
  • 05. Hand-off to Loan Management System

01. Log-In

PFM

Customer logs interest in a loan via the link shared on mobile or via the website or internet banking.

02. Identity Capture and Verification

PFM

Official valid document (OVD) details are captured and verified with registries, they are OCR’d to pre-fill the application form.

03. Risk Assessment

PFM

Integrated risk assessment with credit bureau Pull, banking analytics and templated application decision is completed.

04. Loan Offer & Contracting

PFM

A loan offer is presented to the customer with an e-agreement and e-signing of the contract and then a sanction letter is generated.

05. Hand-off to Loan Management System

PFM

Details and documents are transferred to the loan management system for disbursement.

Predesigned Loan Journeys

PFM

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Consent

We hereby inform you that CRIF shall collect and process your personal data, also through automated means, for purpose of sending advertising, commercial and information material related to CRIF or to affiliated companies. Your personal data shall be processed fairly and with the maximum confidentiality and may be communicated to members of CRIF Group for the same purpose stated here-above. I hereby consent that my personal data are processed and communicated for the purpose and within the terms stated in the informative note here-above.

 

 

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