Name: Financier
Author: Welcom Digital

Help Desk

Live Chat

Web and Video Conferencing

Customer Support

AI Development

Image Recognition

Version Control

Development

Business Intelligence (BI)

Collaboration

Enterprise Legal Management

Transportation & Logistics

Workflow

Enterprise

Accounting

Anti-Money Laundering (AML)

Investor Relations

Finance and Accounting

Applicant Tracking

Corporate Learning Management

HR Management

HR Service Delivery

Payroll

Talent Intelligence

Talent Management

Workforce Analytics

Workforce Management

Human Resources

Cloud Brokers

Cloud Storage

Converged Network Adapters (CNAs)

Custom Software Development Services

Data Integration

Data Privacy Management

Database Load Balancing

Density-Optimized Servers

Fraud Detection

Governance, Risk & Compliance

Integration Platform as a Service (iPaaS)

Migration

Mobile Application Performance Monitoring  (APM)

Network Performance Monitoring

NoSQL Databases

Privileged Access Management

Release Management

Server Management

Tape Storage

Time Series Databases

Unified Endpoint Management (UEM)

Information Technology

A/B Testing

AI Writing Assistant Software

Ad Serving & Retargeting

All-in-One Marketing

Content Management

Customer Experience Management

Customer Journey Mapping

Digital Experience Intelligence

Digital Rewards

Email Marketing

Marketing Automation

Mobile Advertising

Press Release Management

Product Information Management (PIM)

Product Intelligence

Social Media Management

Survey & Forms Building

Tag Management

Video Collaboration

Web Analytics

Marketing

Project Management

Professional Services

Customer Communication Management

Customer Relationship Management (CRM)

Headless eCommerce

eCommerce Analytics

Sales

Animation

Computer-Aided Design (CAD)

Construction Workforce Management

Loan Servicing

Patient Engagement

Vertical-Specific

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Financier is a web-based digital lending platform offered by Welcom Digital Ltd. According to the vendor, it is designed to cater to the needs of digital lenders, providing them with a flexible and scalable solution for offering personalized credit products. The platform is said to be suitable for businesses of various sizes, ranging from high street names in retail finance to providers of fixed-term and marketplace loans. Professionals and industries such as financial institutions, retail finance companies, consumer finance companies, commercial lenders, and digital lenders can potentially benefit from the features and functionalities of Financier.

## Key Features

**Commercial Lending**: According to the vendor, Financier offers a full loan servicing platform for commercial lenders, providing a flexible and scalable solution. It includes features such as loan servicing, loan accounting, investor tracking, security monitoring, debt recovery, and audit trails.

**Consumer Lending**: Financier is said to provide an efficient and fully supported software solution for consumer finance. It is claimed to support various loan types, including consumer loans, guarantor loans, secured loans, alternative finance, digital lending, marketplace loans, and short-term loans.

**Line of Credit**: According to the vendor, Financier enables lenders to provide affordable and personalized offers to customers through a line of credit. It is claimed to offer flexibility to customers by allowing them to drawdown funds up to the agreed limit and only repay the amount used.

**Key Benefits**: According to the vendor, Financier's robust and scalable digital lending platform helps customers improve their efficiencies and focus on improving customer service. It is claimed to allow lenders to potentially drive down the cost of lending while providing personalized credit products. The platform is said to support compliance and FCA regulations, promoting a sustainable and controlled business model.

**Collections Module**: Financier includes a pre-configured collections module that is claimed to offer an integrated collection and recovery solution. It provides automated standard collections processes with integrated daily tasks and worklists. The module is said to support specialist treatment paths, arrangements management, and potentially improves agent productivity.

**Personal Loan Module**: According to the vendor, Financier's personal loan module is flexible and scalable, supporting a range of loan types. It is developed to support consumer loans, guarantor loans, secured loans, alternative finance, and digital lending. The module is claimed to offer flexibility in multi-product and multi-brand configurations.

**Self-Servicing**: Financier's self-service/My Account area allows customers to carry out various tasks and access information, potentially reducing operational costs and improving the customer experience. According to the vendor, the self-service portal provides transparency of customer accounts and allows additional payments.

Basic

Financier

Loan Origination

Welcom Digital

The software allows lenders to manage the loan origination process, including application intake, underwriting, and approval.

Credit Scoring and Risk Assessment

This feature enables lenders to assess the creditworthiness of borrowers and the risk associated with different loan products.

Automated Underwriting

Refers to the use of algorithms to assist or replace human agents in the underwriting of loans.

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.

Excel-based Reporting

Ad hoc or formatted reports using MS Excel.

XBRL support for regulatory filing

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

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 Origination Software

Financier

Overview

What is Financier?