The vision of a paperless office is increasingly becoming a reality in many areas of business, and the number of digital document management offerings is growing accordingly. However, many solutions do not offer the convenience and functional depth required for document management in complex processes - such as lending, which must comply with regulatory requirements.
As a result, users are quickly confronted with manual processes again - digital consistency is lost (Straight Through Processing [STP]). The solution differs from other providers as it enables the sophisticated early scan approach with user experience. This not only applies to the customer side (front office), but the USP lies in the maximum support for loan processing and decision-making (Middle office), where additional requirements may lead to subsequent requests for documents from the customer.
An dieser Stelle finden Sie Inhalte eines Drittanbieters, die Sie mit einem Klick anzeigen lassen können.
Dadurch können personenbezogene Daten an den Drittanbieter übermittelt werden. Mehr Informationen finden Sie in unseren Datenschutzbestimmungen.
Upload analogue documents via the Digitizer app
Paper documents can be digitized intuitively and efficiently via the Digitizer app, which is available for iOS and Android. Integrated image processing methods ensure the highest possible level of quality when scanning the documents so that they can be read, extracted and further processed.
Categorization of documents
As it is important for the subsequent examination of the documents and their subsequent transfer to a document archive that they have already been correctly categorized in advance, the document portal offers the option of categorizing the documents in advance. Optionally, automated categorization can also be carried out using OCR and NLP processes.
Container set-up
The documents to be provided by the customer or merchant are specified via a configuration made by the financial services provider. This makes it clear for each process which documents must be submitted. Alternatively, these containers can be generated dynamically via the connection to a decision engine provided by us or externally.
Checking documents
On the one hand, the customer can see very transparently which documents he has made available, while on the other hand the financial services provider uses the portal - with extended views, functionalities and rights - to check and approve the documents received in an audit-proof manner - also in a n-eye principle with logging of all votes and individual decisions.
Automatic document checking
By using OCR, NLP and machine learning algorithms, the metadata can be extracted from the documents to be checked and compared with the expected values recorded via the ERP system. This means that the clerk only has to intervene in the event of discrepancies and process the case manually.
Subsequent processing option
As documents are not always in the correct order, they can be split into individual pages, moved, rotated or removed with a single click. Any subsequent requests for documents from the sales partner and/or customer can also be initiated and tracked.
Configurability of the workflow
The necessary information on which documents must be provided by the customer or agent as part of the process (standard document types as well as special documents, e.g. due to conditions from the credit decision) is provided via configuration or an interface.
Our module can be easily integrated into external portals, merchant systems or financial service provider systems and provides innovative technology and functionality without the need to replace or extensively customize the underlying system.
Our solutions are integrated via so-called snippets, which can be integrated at any point in the external systems as required. This provides the best possible support for every customer journey.
Transforming the late-scan process into an early-scan process leads to significantly shorter throughput times and more flexibility in the recording, storage and communication of time-critical information.
A reduced error rate, no need to send documents by post or scan them centrally and greater efficiency thanks to a higher degree of automation lead to lower costs.
Extraction, analysis, transmission and processing of data are carried out in accordance with the principles of regularity and security. You receive the data via certified transmission channels and not by email or WhatsApp.
The solution has standard APIs for standard DMS/ECM solutions such as d.3, doxis or Saperion.
