Simplify the customer journey, reduce the delays and costs of a case
Despite a lasting context of low interest rates, mortgage loans are a strategic product for banking establishments, offering a means of winning over or retaining new customers.
While the health crisis has replaced real estate purchase At the heart of the French savings strategy, the steps are still considered slow and tedious. The credit platform developed by Luminess, combining technical and business skills, allows simplify the customer journey, reduce processing times et reduce the costs of analyzing files.
Fight against fraud
Lower the costs
Credit granting processes
Collection of supporting documents
Selfcare portal (supporting forms)
Open banking API
Digitization of paper mail
Capture emails with attachments
RAD / LAD
Validity rules for documents
Video coding by our teams of experts
Completeness of files
Document validation / rejection workflow
Analysis of the completeness of the files
Management of missing parts
qualification of the file
Automating Revenue Analysis
Automation of account statement analysis
Analysis of the remainder to live
Control of the entire value chain
Our platform makes it possible to simplify and streamline the user experience during credit granting process. Our expertise automation associated with technologies artificial intelligence and human supervision, coupled with those of our partners, simplify processes and guarantee the fight against fraud:
- Le Selfcare portal allows the borrower to upload the requested supporting documents.
- Personalized Open Banking API (DSP2) allow to integrate the automatic recovery of account statements.
- Mediafixer Scoring engines automatically analyze the file and generate a prequalification report to facilitate the grantor's analysis and reduce processing times.
Improve your customer journeys
The use of Computer Vision and D'artificial intelligence continuously improves automation rates and systematizes controls in order to reduce costs and processing times
Our teams are able to manage these manual treatments with unparalleled responsiveness for a 100% processing files
Reduce regulatory risk by setting up traceability on all events carried out, controls carried out and documents harvested
SCALABILITY & OPENING
An architecture of the solution that makes it possible to interface with third-party solutions and to manage large volumes of data. The management rules are fully customizable in order to adapt to the needs of each organization