FUSE

INTEGRATED LOAN SOLUTION

SLIK AUTOMATION SYSTEM

Bank Rakyat Indonesia (BRI), BRI Agro, Bank Syariah Indonesia

Bank Tabungan Negara (BTN), Bank Negara Indonesia (BNI)
Bank Central Asia (BCA), Bank Danamon, Bank Panin, Bank Panin Dubai Syariah
Bank Mayapada, Bank Mayora, Bank Sahabat Sampoerna, Bank Mestika
Bank HSBC, Bank Citibank, Bank DBS, Bank CIMB Niaga, Bank QNB
Home Credit, Traveloka, GOTO Finance, Bank Jago, BPRKS
MPM Multi Finance, Adira Multifinance, Sarana Multigriya Finansial (SMF)
CIMB Niaga Auto Finance, Busan Auto Finance, Indosurya Multifinance, WOM
Finance, Astra Credit Company, Mandala Finance, Atome Finance Indonesia,
LOAN ORIGINATION SYSTEM

Bank Sahabat Sampoerna

Bank Mayapada
Bank Resona Perdania
CIMB Niaga Auto Finance
Busan Auto Finance
Dana Syariah
Bank Muamalat
BPD Jateng
LOAN SOLUTION ARCHITECTURE

Mobile Mobile Mobile

Sales & Onboarding Survey Approval

Prospect / Leads
Post Credit Features

Consumer Loan Credit Card Micro/SME Loan Corporate Loan

Loan Info Monitoring

Data Entry / Verification / Analyst / Approval / Legal / Booking

Loan Administration
FUSE
Business Decision Content Report
Loan Collection Process Support Management Generator

Core Banking 3rd Party Data

Automation
System System Warehouse

SLIK OJK
CONTENT
MANAGEMENT

 Centralized Maintenance for multiple system

 Create and Maintain User, Group, Navigation, Content (Input Screen, Document &
Messaging Template, Image), Master Table parameter

 Support Checker, Maker, Audit Trail, Upload Excel

DECISION SUPPORT SYSTEM

 Capable to create many decision model, ex: Policy, Scoring, Deviation, etc

 Powerful and easy to configure

 Capable to create formula from any kind (SQL Server, Oracle, DB2) of meta data
 REPORT GENERATOR

 Create reporting with easy with Interactive GUI

 Capable to get & create formula from meta data (SQL Server, Oracle, DB2)

 Capable to create scheduler snapshot report that can be sent to email

 Reporting type : Table, pivot, chart (bar, pie, line, etc)

BUSINESS PROCESS MANAGEMENT
 Capable to create Business Process Workflow fast & easy with interactive GUI

 Support workflow branches

 Supported workflow Assignment : Bucket, load balancing, upliner or custom model

 Integrated with Decision support, Dedup Checking, or Interface to other system

CHECKING & DECISION
WORKFLOW
INTERFACE CHECKING
Internal Checking
 Checking to internal data for duplicate application submission
 Dedup & Blacklist Core data

3rd Party Checking

 Dukcapil
 Asli RI (Phone, Address, Selfie)
 APPI
 Pefindo
 OJK SLIK
DECISION SUPPORT
RAC (Risk Acceptance Criteria) & Risk Deviation
 Calculate each item of Risk acceptance criteria, and determine risk approval each deviation it produce

Scoring
 Calculate statistical analysis to determine creditworthiness of applicant

Marketing Deviation
 Calculate approval marketing deviation that cause by marketing discount

Limit Recommendation
 Calculate Limit recommendation Based on Income, existing loan, collateral or another matrix
 S OLUTI O N ARCH ITE CTURE

APPLICATION
PIPELIN CBAS
SLIK COLLEC
LOS
FRAMEWORK E AUTO
SLIK TION

BPM DSS BI CMS

LOS & Other

System
/ Manual Upload
Incoming Application

Insert Data Calculate

Retrieve IDEB CBAS
CONVERTER
DSS
CBAS
RETRIEVAL DATABASE Recommendation
OJK SLIK
IDE
Extract Data View Data
B

LOS
IDEB Extract IDEB
CONVERTER

Customized Report
CBAS WEB
Functionalities & Process
Data Preparation
Read client prospect data from Excel Upload/API/File

SLIK Retrieval
Automate Searching Parameterized Parameterized
Auto Download IDEB file
Interactive/Batch (Load Balancing) Searching Criteria Matching Criteria

IDEB Converter
Extract IDEB File into PDF & TXT(JSON)

SLIK Converter
Extract data from TXT(JSON) and insert to database

Decision Support System

Calculate Summary, Policy based on SLIK data

Result [API / File] + Web Application

View Searching Result View Reporting Setting Searching Criteria, User, etc
LOS MOBILE APPS
Mobile Sales & Onboarding
 Mobile loan apps for customer(direct) and sales

Mobile Survey & Appraisal

 Mobile loan apps for surveyor & appraisor to input survey home, office & appraisal

Mobile Approval
 Mobile loan apps for management to approve/reject loan application
LOS MOBILE APPS
FEATURES
OCR
 Translate KTP, NPWP & Others Image to Form

3rd Party Checking

 Checking to Dukcapil, APPI, Pefindo, OJK SLIK, Dedup & Blacklist Internal
 Auto approve by system

Digital Signing
 Auto generate Document (PK) to Customer and using Privy to get digital signature

Geo tagging & location by Gmap

 Capture sales, surveyor location
 Capture survey location & calculate distance to surveyor
POST CREDIT
MANAGEMENT
Loan Info Monitoring
 Auto score & review customer by auto checking periodicly to 3 rd Party (SLIK / others )
 Monitoring covenant term condition automatically

Loan Administration
 Manage & Monitor post credit customer Document that need to be obtained or renew
 Manage & update customer loan restucture and synchronize to core banking
 Manage & Monitor post credit customer collateral that need to be reappraise

Loan Collection
 Monitoring & manage past due Loan
TOPOLOGY

Equipment Hardware Software

Processor: 4 Core, RAM 16 GB Windows Server 2008, IIS 7.0 or higher
2 Web Server Disk Space 200 Gb
Processor: 2 Core, RAM 8 GB Windows Server 2008, IIS 7.0 or higher
2 Web Service Disk Space 100 Gb
Processor: 8 Core, RAM 32 GB Windows Server 2008 or higher
2 Database Server
Disk Space 500 Gb SQL Server 2008 R2 or higher
Processor: 2 Core, RAM 8 GB Windows 7 or higher
VM Engine Retrieval Disk Space 200 Gb, Recommend 5 Engine/VM .NET Framework 4.5 or higher, VC++ 2013 x86
 KEY ADVANTAGES

• Ready Solution
Our solution already implemented at many banks in Indonesia.

• Fast & Reliable

Reduce cycle-time of work process

• Cost Saving
Reduce people and others resources.

• Avoid error
Minimizes the risk of human error by automating processes and standardization.