Manage credits at every stage of the credit life, including disbursement, utilization, early repayment, and statutory returns. The system supports both single and bulk operations, with full traceability of financial operations created by each action.

• Supports both single and bulk disbursement and utilization processes, with the ability to reverse them when needed. Financial operations are automatically generated for all actions. 
• The supported disbursement methods are: cash, card, bank, and through a partner.

Supports single and bulk credit payments, with the ability to import payment data from a file for automatic creation in the system. Bulk payment operations are executed through a dedicated interface.

Allows registering and managing fictive payments – such as those not received due to fraud, robbery, or errors. Credits can be marked as fraudulent with statuses updated accordingly, and restored if a fraudulent credit is reversed.

Allows registering and managing fictive payments – such as those not received due to fraud, robbery, or errors. Credits can be marked as fraudulent with statuses updated accordingly, and restored if a fraudulent credit is reversed.

Each credit record provides detailed information on:

• Extra accruals
• Repayment plans
• Credit validation checks
• Client credit history
• AML checks
• Affiliates and associated clients
• Comments and full action history
• Tasks and documents linked to the credit

Authorized users can generate, review, and manage notification letters for customers with overdue credit obligations, across all credit product types – supply, credit lines, and credit cards. Early claims and returns are fully supported.

Automatically creates records for individuals or legal entities upon receiving a credit application, tracking related parties such as guarantors, co-debtors, and other affiliates. Customer profiles can be updated and edited based on business needs and the stage of the credit lifecycle.

Access a complete, unified view of personal details, ID documents, and contact information for each individual or legal entity from a single dashboard.

Each profile includes structured sections such as:

• Accounts & Cards
• Address
• Work Information
• Related Parties (Affiliates)
• AML checks
• General and Dynamic Fields
• Consents

Different roles and user groups control view, edit, and create permissions, ensuring secure and compliant access to sensitive data.

PDM acts as the central repository of customer data, supporting all stages of credit management, from application to repayment and reporting.

Manage the full lifecycle of a card:

• • Issuance requests and activation
  • Delivery address management for card distribution to customers 
  • Blocking and unblocking
  • Reissuance
  • Deactivation and closure

Access a comprehensive card list with filtering options, card details, and data export capabilities for operational efficiency.

Generate and access customer card statements, transaction summaries, and statement history directly within the platform. Provide card transactions history, including detailed information about the purchases, cash withdrawals, additional charges, deposits made by the client, closing balance, etc.

Process limit change requests and manage annexes with full tracking and control.PDM acts as the central repository of customer data, supporting all stages of credit management, from application to repayment and reporting.

Generate detailed reports for card products and perform reconciliation for operational transparency.

Support card program management through integration with external card service partners, including configuration of operational parameters based on business requirements.

Generate detailed reports on KPIs, target achievement, and team performance. Visual dashboards provide actionable insights for management.

• Operational performance monitoring
• Task management
• Sales
• Portfolio analytics
• Sales performance reports
• Performance reports
• Underwriting

Configure and monitor KPIs for teams and individuals, set targets, and track results over time. Performance can be analyzed through detailed reports comparing goals against actual outcomes.

Define clear objectives, assign them to employees or departments, and track progress over time.

Maintain a full history of KPI adjustments, goal changes, and updates for accountability and transparency.

Create attestation cards, review performance evaluations, and maintain structured assessment records.

Manage salary-related configurations and adjustments based on performance, ensuring alignment with KPIs and company policies.

Execute and reverse fund transfers between accounts in local and foreign currencies. All transactions are linked to accounts and generate financial operations (FO) automatically. System-generated FOs ensure internal tracking and auditability.

Handle credit disbursements, repayments, and reversals, fully integrated with the loan lifecycle.

Register and reverse operations unrelated to credits, such as general expenses or revenues.

Each transaction automatically creates a main FO. Depending on the configuration, an additional system FO can be generated for internal accounting and reconciliation.

Access detailed reports on all financial operations. Track balances, monitor transfers, and reconcile accounts with ease.

Create, edit, and deactivate accounts, supporting multiple types and subtypes such as Cash Desk Accounts, Bank Accounts, Suspense Accounts.

Manage virtual IBANs for credit payments. Configure either a common IBAN for all clients or assign unique virtual IBANs per client . Supports notifications, recycling, and reassignment.

Customize FM to your business needs:

• Virtual IBANs and notifications
• Account creation rules and prefixes
• FO generation logic
• Currency rates
• Nomenclatures for transactions
• Automated transfers and reconciliation logic

• SMS
• Viber
• WhatsApp
• Email

• Dynamic templates with merge fields
• Event-based triggers
• Communication policies and fallback logic

Guides customers through complex onboarding journeys conversationally, reducing friction and manual support load.

• Context-aware guidance through multi-step onboarding flows
• Reduces incomplete applications and operator workload
• Integrates with your business rules, APIs, and customer data

Turns your internal knowledge base into instant, accurate answers – no manual searching required. 

• Natural language search across policies, procedures, and documentation
• Consistent answers grounded in approved company content
• Ideal for onboarding, compliance, and customer support teams

Gives business users direct access to insights without depending on technical teams. 

• Ask data questions in plain language, get meaningful answers
• Supports reporting, trend analysis, and operational monitoring
• Reduces bottlenecks on data and IT teams

Transforms call recordings into actionable intelligence for quality and performance management. 

• Automatically detects sentiment, risk signals, and service quality issues
• Surfaces insights for managers and QA teams
• Integrates with telephony systems, dashboards, and review workflows

Delivers always-on, consistent self-service support for your customers. 

• Instant answers to common questions via a secure, controlled interface
• Connected to your product documentation, FAQs, and policy content
• Multilingual support with seamless web integration

Helps teams focus effort where it matters most, improving contact efficiency and recovery performance. 

• AI-driven prioritization and case segmentation
• Next-best-action recommendations based on behavioral signals and history
• Designed for controlled deployment in sensitive operational environments