NetCredit products description

AppCapture

A powerful, out-of-the box customizable credit application

Bring the benefits of electronic applications to all your distribution channels with NetCredit's AppCapture. AppCapture immediately and completely captures credit application data. Within seconds, it can forward application information to your own existing decisioning platform. Or, you can have AppCapture pass the data to NetCredit's AppOffer for instant decisioning according to your own criteria. Its ease of use and speed help capture data - and customer loyalty.

You benefit from:

• An out-of-the-box, multi-channel solution
• Complete, easy customization for your lending operations
• Greater speed and efficiency of capturing data
• Faster processing
• Better information for more accurate decisioning
• Stronger customer relationships

AppFilter

A first, fast screening of credit applications

Before you spend time evaluating a customer's credit application, take a second. That's about all the time AppFilter requires to measure an application against broad credit criteria you set, and determine whether a new application warrants more serious consideration.

Integrated with your own data capture and decisioning systems or with those of NetCredit, AppFilter helps your company avoid wasted effort, so you can make every minute more productive.

You benefit from:

• Consistent application of criteria
• Better use of your company's time and resources
• Improved service to customers

AppOffer

Instant, real-time decisioning, any time - day or night

With NetCredit's AppOffer, you can meet customers' demands for high-speed approvals without leaving your credit policies or decisioning procedures behind.

Built upon the proven CGI’s Strata® Enterprise solution, AppOffer can be thoroughly customized to reflect your credit policies and business rules. It instantaneously applies your criteria asross all credit products and business channels, determines the offer, and notifies customers in seconds what that offer is - complete with specific terms, conditions, and program guidelines. Customers get the instant response they now demand. You get the business.

You benefit from:

• Fast, intelligent response to customers while they're still online
• Consistent, automatic application of your current credit policies across all credit channels - branch, Web, telemarketing, call center
• Around-the-clock loan decisioning
• Customer loyalty

AppRefer

A loan for every customer - more customer satisfaction for you

With NetCredit's AppRefer you can serve credit customers even when their business falls outside your lending parameters. Following your lending criteria and business relationships, AppRefer automatically routes to other lenders those applications that are inappropriate for you, whether because of the product requested, the customer's location, credit history, or any other standard. Instead of turning customers away, you're able to satisfy and keep them... to serve on your own another day.

You benefit from:

• Improved customer retention
• Stronger business relationships
• Commissions on loans referred to other lenders

AppClose

For automated closings - paper-free, problem-free

NetCredit's AppClose makes snail-pace paper closings a thing of the past. AppClose fully automates customer authentication, documentation, signatures, account set-up, and fund transfers.

From the second a customer accepts an offer, AppClose can speed the transaction to finalization, using document forms that are dynamically generated and customizable. Most important, AppClose incorporates robust technology for authenticating customer identity, creating secure signatures, privately reviewing documentation online, and verifying file validity. Without risk, you can deliver the kind of high-speed convenience today's credit customers prefer and today's competitive environment demands.

You benefit from:

Faster closings

• Lower costs - no paper documents to photocopy, store, mail
• Secure transactions
• Stronger customer relationships