Protobase: Credit pipeline PROTO Loanstation

PROTO Loanstation is the complete solution from Protobase Labaratories for creation and automation of business process of crediting of individuals and also the enterprises of small and medium business, it is successfully implemented in several Banks of Russia and Armenia.

2017: Certificate on state registration

The Protobase Labaratories company announced obtaining the certificate on state registration of the credit pipeline PROTO Loanstation, No. 2017617813 of July 12, 2017.

The certificate confirms the exclusive rights of the company to a system, authorship of the software product and its uniqueness in the market.

The PROTO Loanstation system is intended for acceleration of process of issuance of credits due to automation of decision making process.

The cloud model allows to start a system in the shortest possible time, giving to the client an opportunity of quick implementation of new projects.

As of August, 2017 a system functions on the platform of own development of Protobase Labaratories LLC company, systems capabilities include:

• Use of any channel of interaction of the client with bank (the Internet, office of bank, call center);
• Integration with any external data sources by means of API procedures, including with ABS (the automated banking system), BKI (bureau of credit histories), FMS, SIEI, an antifraud systems and so forth;
• Flexible configuration of scoring models;
• Setup of difficult algorithms of automatic checks (stop-lists, list of terrorists and so forth);
• Possibility of parallel processing of the request by several divisions;
• Automatic composition check and correctnesses of data entry;
• Setup of routing of requests depending on products, credit the politician and crediting segments;
• Automatic distribution of requests between participants of process;
• Analytical reports online;
• The configured, flexible process with a possibility of selection of credit committees as separate stages;
• Flexible configuration of jobs.

2014: Banks issued 7 billion rubles via the credit pipeline Protobase

The volume of the retail credits issued by banks using the cloud solution developed by Protobase Labaratories exceeded 7 billion rubles. The total quantity of the loan applications processed using this solution exceeded 686,000 pieces for the end of 2014. The quantity of the credits issued to individuals using the credit pipeline Protobase is about 166,000 pieces.

"We began to use the credit pipeline in the middle of 2013. Earlier we processed 300 requests a day, from them 150 were approved on average. After implementation of the pipeline we could increase the number of the processed requests up to 1200, and the percent of approval increased to 60%. From the moment of implementation of the credit pipeline we issued the credits for the amount about 4.5 billion rubles, - the vice chairman of the board of one of banks where the credit pipeline is implemented told. - That the efficiency of our retail network increased on average by 2.5 times we note decrease in level of delay on again issued credits to 1.2%, - he added.

In 2014 the company the developer specified^[1][2]that the feature of the solution which is created on the platform of the partner – SalesForce.com company consists highly his automation, transparency and controllability of credit process and also functionality which includes including the CRM solution.

The possibility of use of any channel of interaction of the client with bank and its representatives (the Internet, office of bank, call center) allows to unroll business process in the shortest possible time in any sales point.

The solution is aimed at creation and maintaining base of potential clients, allows to carry out classification and flexible routing of clients in the course of service depending on sales channels.

In a system difficult algorithms of assessment of the borrower which allow to make the decision on the credit for the minimum time are put and practically exclude the risks connected with human factors which are always present if you use "the manual systems, - Boris Kaliniç told (the CEO of Protobase Labaratories in 2015).

At the same time "The credit pipeline for banks" can provide integration into databases (as federal importance, and internal bases of Banks) and automation of their checks. Integration with bureau of credit histories is possible (credit reports, an antifraud services, etc.).

The user of the solution can perform setup of a technique of a financial analysis, assessment of solvency of the client and check of correctness of data. To its services the flexible mechanism of management of flows of requests, by load of employees, flexible configuration of jobs, reporting online is offered.

The implemented solution allows to accelerate seriously decision making process on issuance of credit, to increase its transparency, flexibility, controllability. At the same time risks of external and internal fraud, operating costs decrease, as a result – there is a significant increase in business performance.

On examples of already implemented projects we can say that the product "The Credit Pipeline for Banks" on average increases efficiency of bank divisions by 2.5 times. At implementation of this product by bank the processing speed of requests for the credit grows, the quality of the loan portfolio improves, the number of the people involved in process of consideration of the credit request and decision-making is reduced, the subjectivity in decision making in connection with an exception of process of a human factor is excluded. As a result the bank receives increase in the loan portfolio and considerable improvement of its quality. At last, still the important moment is a cloud model of providing service that increases its flexibility, the deployment speed, ease of use and provides the affordable price, Boris Kaliniç added.

"The credit pipeline Protobase" - the complete solution for creation and automation business of process of crediting of individuals and also the enterprises of small and medium business is successfully implemented in a number of banks in Russia and in Armenia. It allows to accelerate seriously decision making process on issuance of credit, to increase its transparency, flexibility, controllability. At the same time risks of external and internal fraud, operating costs decrease.

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