HES Core
The driving force behind every custom loan solution designed by HES Fintech
HES Core custom lending solution is a set of prebuilt components that can be adapted to your
business needs. Launch
a new line of business or transform your current lending system in just 3-4 months.
HES Core is fully configurable, meaning we build your modular lending software around it, not
from
scratch. Break monolithic architecture into microservices & leverage the benefits of the
latest tech stack.
HES Core™ modules
Under the hood
The custom loan solution with 20+ scalable modules for full-cycle
loan management,
from loan origination to collection
loan management,
from loan origination to collection
Customer onboarding
Automate and streamline the entire process with modular lending system.
Onboarding in a matter of
minutes. Enhanced digital user experience.
Onboarding in a matter of
minutes. Enhanced digital user experience.
Customer onboarding
Automate and streamline the entire process with modular lending
system. Onboarding in a matter of
minutes. Enhanced digital user experience.
system. Onboarding in a matter of
minutes. Enhanced digital user experience.
Credit scoring module
Build an in-house decision making process via custom lending solution
or integrate with 3rd
party providers.
or integrate with 3rd
party providers.
Notification centre
Send automatic/scheduled emails, SMS to customers. Anchor
notifications to a specific event in a customer’s credit history.
notifications to a specific event in a customer’s credit history.
Role-based custom lending solution
Create your company’s structure (HQ, offices, etc.). Manage roles,
define permissions, assign roles to users and audit their activity.
define permissions, assign roles to users and audit their activity.
Statistics and reporting
Get relevant statistics, leverage visualisation tools. Use a
predefined
set of reports; add, edit customised reports.
predefined
set of reports; add, edit customised reports.
BPMN in custom lending solutions
Reduce time-consuming processes, which cause delays to the total
procedures.
Model business processes with the BPMN module.
procedures.
Model business processes with the BPMN module.
BPMN in custom lending solutions
Reduce time-consuming processes, which cause delays to the total
procedures.
Model business processes with the BPMN module.
procedures.
Model business processes with the BPMN module.
CRM Module
Easily handle customer and loan management processes. Manage and
track
your customers, their loans and payments.
track
your customers, their loans and payments.
Payments and Money Transfer
Send money to customers’ bank accounts, debit cards, electronic
wallets,
etc. Monitor the results and automatically initiate loan calculations as appropriate
wallets,
etc. Monitor the results and automatically initiate loan calculations as appropriate
Calculation | Product engine
Create a range of loan products. Set up borrower payment schedules
and
track payments.
and
track payments.
Feature-Rich personal account
Borrowers can track active and past loans, extend or roll over
loans,
monitor payment schedules and more.
loans,
monitor payment schedules and more.
and much more
Multi-Channel loan application
Collect loan applications from multiple channels both online and offline,
including web, mobile, call centres and more.
including web, mobile, call centres and more.
Online marketing
Attract and retain borrowers, build brand awareness campaigns, track the
results of your lead generation campaigns, including CPC/CPA and partnership networks.
results of your lead generation campaigns, including CPC/CPA and partnership networks.
Document management
Manage loan agreements, offers, contracts, notes and other system
documents.
documents.
Security settings
and preferences
and preferences
Manage user permissions using role-based access control features. Define
password policies. Build rules to allow or block access by device ID.
password policies. Build rules to allow or block access by device ID.
Data validation
Check and validate all the data entered by a customer on the fly (address,
contact details, passport expiration dates, etc.).
contact details, passport expiration dates, etc.).
Marketplace features
The borrower-lender matching engine delivers advanced capabilities for
automatic loan matchmaking.
automatic loan matchmaking.
100+ APIs for the custom loan solution
HES Core gives you the ability to integrate with any third party
service
provider in the
fast-changing lending environment. Custom loan solution can be easily
integrated
with any
financial service provider:
service
provider in the
fast-changing lending environment. Custom loan solution can be easily
integrated
with any
financial service provider:
Issue first loans in 3 months
