HES software for POS lending is an end-to-end solution that works as a facilitator between banks/lenders and online/in-store retailers.
The software sweeps away manual processes, ad-hoc queries, and paper trails. Get a single smooth automated workflow that meets borrowers’ needs while improving operational efficiency.
HES offers agile and customizable software for long-term flexibility and innovation. Modular architecture lets you get a platform that fully matches your business requirements. Reduce concentration risk and increase profitability by expanding your business to related areas. Move marketplace financing to POS or broaden your range of consumer services — all on one software platform.
A customer can fill-in a loan application one-time and automatically have it sent to all relevant partner loan organizations. The solution provides lenders with a fully integrated front, middle, and back-office origination process.
Minimize operational and credit risks associated with POS financing, shorten time to close and boost application throughput rate. Provide borrowers, retailers, and employees with the best-practice lending process delivered on a top-notch technology platform.
Connect and integrate the entire loan management process — all the way from loan origination through decisioning to servicing. Accelerate your lending pipeline by managing and tracking borrowers and merchandising companies.
Compile and analyse information from different communication channels. Assess borrowers’ credit capacity and reach out to them to offer further financial services. Deliver a superior customer servicing experience on every loan you provide.
Accurately assess customers’ credit standing and reduce credit risk on new customer sign-ups. Automate the decision-making process and minimize operating costs. Have your own scoring algorithm rolled out or integrate with any third-party risk management provider.
The source code of the platform is available for purchase. You can host the platform in the cloud or on-premises, further develop, and improve it. Without any vendor lock-in, you control everything.
Based on open source technologies, HES software leaves the power in your hand. There are no license fees for any proprietary technologies (only for the source code) or per-user charges, restrictions on the loan type and parameters.
With a dedicated team of business analysts, software architects and developers, QA specialists, and project managers, the HES team easily covers all the stages of the project from concept to implementation.