Iindlela eziSebenzayo zokuSebenza ngokuBoleka imali

( Umthombo )

Abantu kule mihla bafuna ukuba yonke into yenziwe ngokukhawuleza. Oku kuquka izicelo zemali-mboleko kunye nokuqwalaselwa. Zimnkile ezo ntsuku xa izinto zazisenziwa ngesandla. Isoftware ye-Loan origination (LOS) iyitshintshile indlela ababolekisi-mali abaphatha ngayo imali-mboleko, ukuvavanya umngcipheko, kunye nokuqinisekisa ukuba yonke imithetho iyalandelwa. Ngoncedo lwe-LOS, iibhanki zinokugcina ixesha, zinciphise iimpazamo, kwaye zenze abathengi bonwabe.

Le bhlog iya kuxoxa njani isoftware yemvelaphi yemboleko yenza ibhanki ibe lula.

1. Easy Application Processing

Ngoncedo lwesoftware yemali-mboleko, izicelo zinokusetyenzwa ngokufanelekileyo. Oku kunceda ukunciphisa amaxesha okuguqula kwakhona. Umntu unokugcwalisa ngokukhawuleza isicelo kwi-intanethi. Isoftware iya kuqokelela kwaye iququzelele lonke ulwazi olufunekayo. Oku kuthetha ukuba akufuneki ukuba ufake idatha ngesandla. Ngenxa yoko, yonke inkqubo iya kukhawuleza, kwaye akuyi kubakho ndawo yeempazamo.

I-LOS yenza lula inkqubo yedijithali ukusuka ekuqaleni ukuya ekupheleni ngokukuvumela ukuba wabelane kwaye usayine amaxwebhu kwi-intanethi. Oku kwenza kube lula kubo bobabini ababolekisi kunye nabathengi. Ababolekisi banokuthatha izicelo ezininzi ngaphandle kokwenza ishishini labo lixakeke ngakumbi.

2. ISigqibo esiNgcono seTyala

Kusoloko kucetyiswa ukuba kujongwe imvelaphi yomntu phambi kokuba ubaboleke. I-LOS ifumana iirekhodi zekhredithi zangoku kwaye ijonga indlela abantu ngabanye abalawula ngayo iimali zabo ngoncedo lweefemu zekhredithi kunye nezinye izixhobo. Inkqubo ithelekisa ii-apps kwimigangatho eyahlukeneyo isebenzisa iindlela ze-arithmetic kunye ne-AI-powered. Oku kuqinisekisa ukuba izigqibo zenziwa ngokufanelekileyo nangokungakhethi cala.

Izigqibo zetyala ezizenzekelayo zikwanceda ekunciphiseni iimpazamo zomntu kunye nokuzithoba, okwenza ukuba ababolekisi benze izigqibo ezichanekileyo nezingatshintshiyo zokuboleka imali ngokukhawuleza kunangaphambili.

3. UkuPhuculwa kokuThobela noLawulo loMngcipheko

Ukulandela imithetho kusoloko kuyingxaki kwi ishishini lebhanki . Isoftware yemboleko ihlaziywa rhoqo ngemithetho nemimiselo yamva nje. Imithetho yokulandela umthetho yakhiwe kwinkqubo ye-LOS ukuqinisekisa ukuba zonke izicelo zemboleko ziyayilandela.

I-LOS nayo inezixhobo zokuhlola umngcipheko ezenza kube lula ukubona iiflegi ezibomvu ezinokwenzeka, njengembali yetyala engabonakali ngathi ifanele okanye amaphepha angagcwali. Ababolekisi abayi kuwela kubuqhophololo. Iimali-mboleko ziya kuhlawulwa ngokhuseleko olwakhelwe ngaphakathi.

4. Ukwandiswa kokuSebenza ngokuFanelekileyo

Umsebenzi wezandla unokwenza inkqubo yemali-mboleko itye ixesha kwaye ibe yingxaki kakhulu. Umntu bekuya kufuneka asebenze ngokuphindaphindiweyo kwinto enye. I-LOS iyenza lula le misebenzi. Oku akuncedi kuphela abasebenzi, kodwa kwenza yonke into iqhube ngcono phakathi kwamacandelo.

Iphelisa imiqobo kwaye yenza kube lula ukuba amaqela asebenzisane ngokuzenzela imisebenzi. Yonke into yenziwa ukukhawulezisa izinto, ukusuka ekuhlolweni ukuya kwintlawulo. Oku kunceda ababolekisi-mali benze imisebenzi yabo ngcono kwaye kwenza ababoleki bonwabe.

5. Izisombululo eziScalable zokuKhula kweShishini

Ukuhambisana nazo zonke izicelo kunokuba ngumceli mngeni njengoko iinkampani eziboleka imali zisiya zivelela. ISoftware yemvelaphi yemali-mboleko inika iinketho ezinokunyuswa okanye zithotywe ukuhlangabezana neemfuno zeshishini. I-LOS inokusingatha umsebenzi owongezelelweyo ngaphandle kokucotha xa inkampani ikhula kwiimarike ezintsha okanye ikhupha iimpahla ezintsha zemboleko.

Isoftware ineempawu eziguquguqukayo kunye neenkqubo ezinokuthi zitshintshwe ukuze zihambelane neemfuno zababolekisi. Oku kuyenza ibe sisixhobo esihle kakhulu kumashishini afuna ukukhula.

6. Udibaniso olungenamthungo kunye neeNkqubo eZikhoyo

Izisombululo ze-LOS zenzelwe ukunceda ukudibanisa kunye nentlawulo yemali engundoqo kunye nezicelo ze-CRM. Ababolekisi banokubona bonke ubudlelwane nabaxumi kunye nemisebenzi ngaxeshanye ngenxa yokusebenzisana.

Ngoncedo lwe-LOS, unokulandelela izicelo ngexesha langempela kwaye wenze izigqibo. Ufumana ithuba lokudibanisa idatha evela kwimithombo eyahlukeneyo. Ngokungathandabuzekiyo, yonke into enxulumene nemali-mboleko isebenza ngokufanelekileyo kule mihla kwaye idityaniswe kakhulu.

7. Ukuphuculwa kwamava oMthengi

Kwezi ntsuku, iibhanki zilindele ukuba inkqubo yokufaka isicelo semali-mboleko icace kwaye ibe nobuhlobo. Abathengi bafuna isoftware yemali-mboleko ibe nojongano olusebenziseka lula, unxibelelwano lobuqu, kunye nohlaziyo lwexesha lokwenyani.

Ngeempawu ezinje ngee-chatbots kunye nentuthuzelo yeselula, i-LOS ivumela ababoleki babelane ngamaphepha, bajonge ubume bezicelo, kwaye bafumane iimpendulo kwimibuzo ngexesha. Ukudibana okuhle kuya kwenza abantu bonwabe ngakumbi kwaye bazinikele ngakumbi.

Ukuqukumbela

Awunakukwazi ukuthetha izinto ezilungileyo ngokwaneleyo malunga nendlela isoftware evela ngayo imali etshintshe ngayo ukuboleka imali. I-LOS inika amaziko emali anamhlanje isisombululo esipheleleyo esibanceda ukuba basebenze ngakumbi, balandele imithetho, baphucule amava abathengi, kwaye bakhulise amashishini abo. Njengoko ishishini lebhanki likhula, ukusebenzisa isoftwe yanamhlanje kuye kwayimfuneko ukuze uhlale ukhuphisana.