Name: Aryza Lend
Author: Aryza

Customer Training

Help Desk

Web and Video Conferencing

Customer Support

Agile Development

Automation Testing

Beta Testing

Development

Student Management

Virtual Classroom

Education

Business Intelligence (BI)

Collaboration

Demand Planning

Internal Communications

Online Notary

Enterprise

Accounting

Accounts Receivable

Finance and Accounting

360 Degree Feedback Software

Applicant Tracking

Corporate Learning Management

Freelance Management

HR Management

Payroll

Talent Intelligence

Talent Management

Workforce Analytics

Workforce Management

Human Resources

Cloud Storage

Data Center Outsourcing (USA)

Data Deduplication

Data Privacy Management

Data Science

Email Verification

Ethernet Switches

Fraud Detection

IP Address Management (IPAM)

IT Service Providers

Integration Platform as a Service (iPaaS)

License Management

Load Testing

Migration

Network Performance Monitoring

Open-Source Database

Output Management

Privileged Access Management

Service Virtualization

Software Components

Web Content Filtering

Information Technology

A/B Testing

Ad Serving & Retargeting

All-in-One Marketing

Audience Intelligence

Content Management

Email Marketing

Marketing Automation

Product Sampling

Social Media Management

Survey & Forms Building

Web Analytics

Website Builder

Marketing

Project Management

Video Conferencing

Professional Services

Auction Software

Customer Relationship Management (CRM)

Lead-to-Account Matching and Routing

Revenue Operations

Sales Consulting

Sales Engagement

Sales

Animal Shelter

Clinical Trial Management

Debt Collection

Last Mile Delivery

Lease Management

Legal Case Management

Nonprofit Advocacy

Online Ordering

Vertical-Specific

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The Vienna Lending Platform, developed by Oyster Bay Systems, is an enterprise lending system designed to manage the entire lifecycle of loans, from point of sale to end of term. According to the vendor, this platform caters to finance professionals, lending institutions, consumer finance companies, commercial finance companies, and asset finance companies. Vienna is said to be suitable for businesses of all sizes, from small and medium enterprises to large global institutions.

## Key Features

**New Business**: According to the vendor, Vienna supports various new business channels, including direct-to-customer and introducer models. It offers seamless integration with third-party systems, enabling the receipt of proposals directly.

**Underwriting**: Vienna provides both manual and automated underwriting processes with a configurable rules-based engine. According to the vendor, lenders can create distinct policies and workflows for different products. It integrates with major credit reference agencies and third-party data services, allowing for automated credit decisions and document production.

**Contract Administration - In Life**: The platform offers comprehensive contract management functionality, covering customer relationship and information management, asset management, payment date changes, early settlements, letter and statement generation, payment method changes, and payment processing. According to the vendor, it also provides in-depth reporting capabilities for operational, performance, and management data.

**Collection and Arrears Management**: Vienna covers the entire lifecycle of arrears management, streamlining debt recovery processes and increasing collection performance. According to the vendor, it includes features such as promise to pay and payment arrangements, arrears case workflow, automated case escalation and activities, and integration with dialer systems.

**Bespoke Features and Integrations**: The platform allows the development and delivery of bespoke functionality tailored to each lender's unique requirements. According to the vendor, customers can fully customize their systems and technology platform, gaining a competitive advantage and differentiating from competitors.

**CRA Bureau Submission**: Vienna works with major Credit Reference Agencies (Experian, Callcredit, and Equifax) to enable finance, lending, and utility companies to submit and receive data, ensuring compliance with CRA submission requirements and standards.

**Consultancy**: Oyster Bay Systems offers valuable insight and knowledge in areas such as business process optimization, calculations and compliance, technology platform review and gap analysis, infrastructure, and networking.

**Bespoke Software Development**: The highly skilled development team provides tailored solutions, including bespoke functionality as part of the Vienna system or standalone software, adding maximum value to the business.

**Web Calculators**: Vienna offers standalone desktop tools, embedded components for integration within websites or lending systems, and low-cost web services with consistent API structures. Calculation tools include APR, partial and early settlements, amortizations, commissions, and payment profiles for regulated and non-regulated finance.

**Credit Decision Tools and Engines**: Vienna provides full integrations with major CRAs and third-party data services. According to the vendor, it offers a powerful and flexible credit decision software engine for building complex workflows and rules-based processes, enabling partial and full automation of credit decision workflow and implementation of separate policies for different products.

Aryza Lend

Loan Servicing Software automates the loan lifecycle from origination, credit decisioning, payment processing and collections, to accounting and reporting.

Loan Servicing

Aryza

Loan Workflow

Tools used by loan origination and servicing and servicing agents to streamline their workflows.

Loan Document Management

This feature allows users to store, manage, and track all loan-related documents, ensuring compliance and efficient processing.

Loan Workflow Automation

This feature helps to automate various stages of the loan process, improving efficiency and reducing manual errors.

Loan Software Integrations

This feature allows lenders to access credit reports and scores from major credit bureaus, aiding in the credit assessment process, and integrate with CRM tools and third-party databases to manage borrower relationships.

Loan Reporting and Analytics

Allows users to generate various reports and analyze data related to loan origination and servicing, helping to make informed decisions.

Financial Reporting and Compliance

Financial statements and regulatory filings

Management Reporting

Tools facilitating creation of internal ad hoc or standard reports.

XBRL support for regulatory filing

Support for the XBRL standard reporting format for exchanging financial data.

Excel-based Reporting

Ad hoc or formatted reports using MS Excel.

Data Security

Tools and features that help keep data secure from unauthorized access or internal exposure.

At-Rest Data Encryption

Data at rest is encrypted, requiring decryption to read the underlying data.

In-Transit Data Encryption

Data is transmitted in an encrypted state, preventing interception of raw in-flight data.

In-Use Data Encryption

Data remains encrypted even when stored in non-persistent storage (RAM, CPU caches, and CPU registers). This prevents access to data through malware on an individual device.

Data Redaction

The product's capability to return redacted data in place of actual data when queried. For instance, a redacted query for the phone number 555-5555 could return ***-**55.

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Loan Servicing Software

Aryza Lend
Formerly Vienna

Overview

What is Aryza Lend?