ATLOS

ABLE Monitoring platform enables business users to exploit extensive loan monitoring capabilities over retail, corporate, and SME portfolios and gives lenders opportunities to manage customer and account relationships more profitably. ABLE Monitoring Features: - Cross-sell and up-sell communications - Behavior-based pricing - Collections to facilitate cash flow - Card authorizations - Credit line management - Custom decision area Capabilities: 1. Boost average customer profitability by pre-approved loans, event-based personalized offers with geo-tagging, and regular adjustments of credit rates and limits. 2. Increase customer loyalty by providing targeted proposals as a quick reaction to the client’s situation change. 3. Decrease bad debt portfolio by effective pre-collection and early collections treatments.

ABLE Origination platform automates the lending process from A to Z: from the loan application to origination, servicing, collection, and compliance. Due to a modular basis, ABLE Origination is highly configurable and scalable. The platform is powered by: - AI-driven technologies and ML algorithms, - 400+ pre-configured permissions and 15+ roles, - APIs for integration of partner solutions, - 360° customer view for offer calculation, - Dashboards and analytical reporting. ABLE Origination benefits: - 2-4 months is the average time to market. - Full access to the source code. - <15 min from application to disbursement - 600% growth of productivity - 100% customizable platform

Covius’ Funding Suite® solution offers a comprehensive range of credit, verification and fraud solutions. Services offered include individual and merged reports from all three credit repositories, multiple credit scoring models, and custom credit scoring plans and tools as well as updates, verifications, supplemental lien and judgment reports ordered through our proprietary, secure Funding Suite platform. Our customizable credit solutions let you choose the number of repositories and configure our “Smart Credit” upgrade to a three-vendor report without having to re-pull a consumer’s file. Within our interactive Smart Credit report you can select sorting options and custom views to help analyze data faster and more efficiently. Originators and Servicers can order soft pulls to monitor for ongoing creditworthiness and for borrower retention efforts.

Margill Loan Manager is a world-class loan servicing software designed to save time and increase accuracy. Trusted by leading companies in 38 countries worldwide, Margill Loan Manager offers tools for servicing simple and complex loans, mortgages, lines of credit, receivables, judgments, and leases, origination, automatic recomputation of fees, post-payments, fixed/variable interest rates, and more. This reduces accounting reporting time, calculation errors, and risk and bad debts.