Transactional Platforms and Digital Processes

Real Estate Credit

Real Estate Credit

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.

Automate

Digitize

Streamline courses

Fight against fraud

Lower the costs

Facilitate

Credit granting processes

Process Illustration

Applicant information

Identity 
Charge 
Returned 
Project 

Collection of supporting documents

Selfcare portal (supporting forms) 
Open banking API 
Digitization of paper mail
Capture emails with attachments 

Document control

RAD / LAD
Validity rules for documents 
Fraud detection 
Video coding by our teams of experts 

Completeness of files

Consistency rules 
Document validation / rejection workflow 
Analysis of the completeness of the files 
Management of missing parts 

qualification of the file

Configurable rules 
Qualification report 

File scoring

Automating Revenue Analysis
Automation of account statement analysis 
Analysis of the remainder to live 

Control of the entire value chain

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. 
  • Product Open Banking API (DSP2) allow to integrate the automatic recovery of account statements.
  • The 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

AUTOMATION

The use of Computer Vision and D'artificial intelligence continuously improves automation rates and systematizes controls in order to reduce costs and processing times

HUMAN SUPERVISION  

 Our teams are able to manage these manual treatments with unparalleled responsiveness for a 100% processing files

TRACEABILITY

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

my walk
Xavier Monmarché
Executive director
Business Development

The question of scoring is at the heart of our reflections. We develop the value of each file with our automation and qualification processes through data analysis using AI algorithms. 

They support us