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Digital Portal For Credit Scoring & Reporting

Key offering

  • Online Credit Score
  • Credit Report
  • Score booster
  • Loan eligibility check
  • Customer on-boarding

Digital Portal for Credit Scoring and Reporting

A full-scale, all-inclusive digital portal that allows semi-government or regulators to make a complete background check of client’s credit history quickly and conveniently. The system allows dynamic scanning of numerous applications and automates workflow across diverse business functions such as online credit score, loan eligibility check, customer on-boarding, credit report, score booster and much more…

Few points on the objective client wanted to achieve

  • A fully digitalized portal for credit scoring and reporting, allowing semi government or regulators to do a comprehensive screening for client’s credit history.
  • Civil service integration for a quick and smooth registration process.
  • Provide customers with an instant, dedicated and reliable access to their information.
  • To aid the users to raise a dispute or contact the customer care representative conveniently.
  • Chatbot to help the users get their desired questions answered

Key solution elements (business functions)

Self-service features that provides customers with an instant dedicated and reliable access to their information include:

  • Service requests
  • User’s Report
  • Raise a Dispute: Self-logging of incidents
  • Self-resolution of issues through use of a knowledge base
  • Self-Assessment
  • Loan calculator
  • Collaborative spaces
  • Chat services
  • Login via bio-metrics
  • Update address/contact information, language preference, notification settings and security questions.
  • Multi-Language Support

This application also inclusive of back-office functions and workflows. A CSR is assigned to the application to assist the users in many ways. Some of the features for the back-office include.

  • Inbox
  • Outbox
  • Notifications
  • Verifications
  • Dispute resolutions
  • Reassigning requests
  • Advance Search
  • Successful Verification using Card Reader

Key benefits achieved through this solution (qualitative)

  • Improved customer experience by providing an easy to use applications and website, developed according to the user interface standards.
  • Dynamic scanning of numerous applications and automates workflow across diverse business functions such as online credit score, loan eligibility checks, customer on-boarding, credit report, score booster and much more.
  • 24/7 account and service access.
  • Having an online access to your credit score promotes a culture of transparency and accountability that should empower individuals by helping them to understand why banks make certain decisions about their lending limits.
  • Multiple interface
  • Representation of complete credit related information using different data visualization techniques.

Any KPIs / measures that could quantify the benefits (quantitative)

  • Automated processes and flows resulting in Increased response time
  • Generates individual revenue stream by purchasing standalone products and subscriptions.
  • Expansion of customer base, potentially anyone residing in Kuwait can download and use the application.