VSoft Credit – a central system for banks and financial institutions to handle sales processes

VSoft Credit automates the credit process at every stage of the sales process. Our solution provides a comprehensive service for all customer segments, both in the credit part as well as in the accounting and deposit part.
VSoft Credit – centralny system dla banków i instytucji finansowych do obsługi procesów sprzedażowych
Why is it worth implementing a credit system?

2x

more credit applications handled per day

4x

less time to handle a single disposition

>15

integration with external data sources

1

A central site compiled in a 360° view
Entering into strategic partnerships with leaders in a specific field is particularly vital in the context of fast delivery of modern banking products

Process optimization is the key to business success

Digitization of credit processes, provision of online accessibility, robotization and effective integration with the financial environment are visible trends in the credit and loan field.

Through constant collaboration with the financial sector, we can quickly respond to evolving internal and external factors and tailor our solutions to its needs.

Advantages of implementing VSoft Credit

By implementing VSoft Credit you will automate the entire credit process. Our software supports the sale of banking products along with credit risk assessment, generation and storage of documentation such as applications and contracts, release of funds and the whole post-sales service.

The primary benefit of implementing the system is an increase in sales of credit products while reducing the time required to process applications. With a faster process, the bank’s employees can focus on customer relations rather than operational or after-sales activities. Digitizing processes also reduces personnel costs.

The advantage of possessing the system is also acquiring a more accurate assessment of the customer and the transaction. Thanks to data from external systems, or, for instance, the possibility of implementing various credit risk assessment methodologies, the company has insight into the data and can monitor them within a single system.

Additional advantages of implementing the solution include:

  • faster credit granting,
  • reduction in target reserves and operational risks,
  • shorter time of preparing the initial credit decision,
  • increased quality of the credit portfolio,
  • increased adequacy of credit risk assessment methods to given customer groups,
  • elimination of the “paper” circulation of the credit file,
  • automated use of information extracted from external interfaces,
  • handling of multiple products within a single application,
  • handling of activities related to the application, i.e., accounts, cards, electronic banking, etc.
Wdrażając VSoft Credit, zautomatyzujesz cały proces kredytowy
Faster customer service

Increase in the sales of credit products

Reduction in the costs of maintaining multiple systems

Monitoring and improvement of the quality of processes

Continuous development and security

We have created VSoft Credit on the basis of our experience in the field of credit processes.

We know what measures will work for your company!

We’ll support you at every stage of credit process

See an example of customer verification in the credit process
Calculation, offer and application

The system includes ready-to-use processes for preparing calculations for individual customers. All you need to do is ask the client a few questions and obtain the required consents, and the system will automatically estimate credit capacity and pre-scoring. It will also adjust the loan parameters to match these indicators. Data can come from other sources, such as a central system, a frontend application, or a website where the client submitted their application details.

Assessment and decision

VSoft Credit’s built-in decision engine enables automatic credit decisions. These terms are directly transferred to the documents for signing and fund release. The decision module can use data from the registration module or other sources.

Agreement and launch

The product agreement is generated using a customized document template, tailored to parameters chosen by the system or advisor to meet the client’s needs and application details. It can be delivered through both branch and digital channels. Fund disbursement can be fully automated or managed via system roles.

Reports

We provide reports easily and conveniently — as data feeds for BI tools, ready-to-download reports from forms, or visual data dashboards from the CRM that staff can view on-screen. We also assist with data analysis and report preparation for compliance and audit purposes.

Supporting processes

All post-sales activities ordered by the customer and those carried out between structures at the customer’s site can have document templates sewn in to generate, as well as share data with, for example, robots in the organization and control them.

Administration and configuration

Processes can be managed internally within the organization. We offer modern tools for designing processes, processing data, creating document templates, and defining data validation rules — all without the need to deploy a new system version.

The application of VSoft Credit

See how our solution supports banks in efficiently handling credit processes.
Platforma VSoft Credit to idealne rozwiązanie do obsługi procesów kredytowych przez placówki bankowe

Banks

The VSoft Credit platform is the ideal solution for managing credit processes in bank branches (branches, business centers, virtual branches, service points, agencies).

It offers a complete 360° customer view, providing employees with all the necessary information in one place — including product details, balances, offers, cooperation history, and customer profitability.

Thanks to its efficient process engine, the task list is presented in a clear, user-friendly format. The view includes:

  • necessary data about the executed process,
  • currently assigned processes,
  • case categories,
  • SLA alerts about upcoming activity deadlines.

Handling sales opportunities and mobile banking

The system includes an e-credit application process in which the client enters all the data needed for credit assessment and attaches the required documents.

VSoft Credit integrates seamlessly with your online banking system. This enables handling loan applications or applying for products based on pre-approved credit limits.

Obsługa szans sprzedażowych i bankowość mobilna - VSoft Credit

Additional materials

Rating assessment of transactions - VSoft Credit

Article

Rating assessment of transactions
Rating assessment of credit transactions is a crucial element in assessing risk, and along with the rating assessment of an entity, it constitutes the primary mechanism for managing operational risk, for example, in banking institutions.
Systemy kredytowe a system centralny w bankach

Article

Credit systems and central systems in banks
Central systems should be divided into smaller parts, often updated and adjusted to changing requirements.
Szybki i bezpieczny proces kredytowy wymaga zaawansowanych narzędzi

Article

A fast and secure loan process requires advanced tools.
“Undetected fraud or damaged reputation due to gaps or deficiencies is a much greater cost to the bank than investing in a good provider.”

Article

Modern online processes in banking based on the workflow system

The workflow system is a tool that organizes, monitors, and automates task sequences within a defined process. In the context of online banking, this means that every stage of a transaction or financial operation can be precisely controlled and tracked.

Write to us

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