With HES Fintech, traditional and digital-only banks of any size in any market can automate step by step loan lifecycle management. Modernize your platform to make workflows as automated and optimized as possible with no overhead in staff or manual actions.
Have your in-house scoring solution implemented or utilize proprietary underwriting models. HES Software simplifies credit scoring activities for lenders, lowers operating costs and enables quicker turnaround on decisions.
Many banks exist in a monolithic structure. HES Lending Platform is a modular system that can be fully customized to meet specific business and legal requirements. The structural foundation of the platform is the HES Core™, an isolated codebase implemented in Java. The Core is composed of a set of 20+ prebuilt modules that are easily configured and implemented to provide functionality both for online borrowers (front-end components) and back-office employees (back-office modules).
Leveraging integrations with valuable data sources and third-party providers, HES connects key services with lending software, creating the optimal work environment.
The platform is seamlessly integrated via APIs with existing core banking software as well as external parties like credit bureaus, AML/KYC, payment systems, BI solutions, accounting systems, e-signature providers to mention a few.
Security measures are embedded through the system development life cycle (SDLC). The platform is built on leading technologies, which adhere to enterprise-level security standards, and are widely used in projects worldwide.
HES Lending Platform is bridging custom development flexibility and ready-to-go software functionality. The software is modular and highly configurable, which assures a financial institution will launch a project within months, not years.
From requirements engineering, development and QA to deployment and monitoring — HES Fintech addresses security in all stages of the SDLC. The team ensures strict compliance with international coding and cybersecurity standards.
The source code is available for purchase. No vendor lock-in, per-user charges or penalties for growth. The lender controls everything. The platform can be deployed to the production environment of a chosen provider: on-premise, in the cloud or hybrid.