Consumer Finance

Main functionalities and features

iMX is capable of providing out of box full e2e easy and configurable system for consumer finance, fully covering all of the aspects from prospection (LEAD and X-SELL Campaigns) - through origination, deep underwriting, automated generation of offer to customer (including positive/negative alternatives), generation of contract, signing process and contract competition process - to disbursement and collection processes.

• Distribution channels: directly through the internet/brokers/agencies
• White labelling
• Comparative simulations for one and the same project
• Risk analysis/setting limits
• Proposals
• Managing broker commissions (up to and including sellers)
• The disbursement beneficiary may be the client or any other party involved in the case
• Multiple disbursements
• Budget management with a period for releasing funds prior to the creation of a final amortization table based on actually paid amounts
• Interim interest
• Managing private label cards (immediate debit, deferred debit or credit)
• Managing “special transactions”
• After-sales operations (with or without fees)
• Adding/deleting/changing insurance policies
• Partial prepayments