Lending Business Processes
Business Goals
Support loans mansgement business’s entire value chain based on a Pay-per-Use economic model (from SaaS to BPaaS)
4Sight
Our Solution
Technology is the centre of modern lending, without which a lender will have growth and scale problems and will struggle to deliver an seamless customer experience.
Software-as-a-Service (SaaS) in an alternative to traditional in-house custom developed or BPM-built lending platforms, providing lenders with the technology to manage their business digitally end-to-end.
4 Sight is a multi-tenant lending cloud-based SaaS modular solution that covers the loan business’ entire value chain.
Our solution enables financial institutions to automate and streamline complex lending processes (from initial contact with customers to assisting with credit decisions and offering), thereby reducing costs and improving overall customer service.
BETTER
ENHANCED CUSTOMER EXPERIENCE
Fully digital customer experience focused on customer care, designed to improve conversion
FASTER
2 TO 3 WEEKS LESS IN WHOLE CUSTOMER JOURNEY
By streamlining, intergrating, and optimizing every phase of the loan process, 4Sight helps you shorten your time to closey
CHEAPER
3-4x cheaper than a 1st tier international provider
Lower setup investment and costs associated to infrastructure, licensing and FTE represents an excellent cost saving opportunity
COMPLIANT
NO REGULARLY & LEGAL RISK
A Solution that is designed and maintained to, on an ongoing basis, be fully complient with local laws and regulations
MORE EFFICIENT
40% INCREASE IN EBITDA OVER 5 YEARS, MOSTLY FROM COST OPTIMIZATION
Transform a fixed into a variable cost inline with your organization strategy and reduces the time needed to achieve business goals
Resources
Business & Technology Expertise
Provides the best experience, skills and technology standards to face our clients lending challenges
Technology
Cloud-based plataform
A multi-tenant lending cloud-based solution wich uses the latest technology on the market
4Sight
platform
4Sight is our next-generation secure cloud-based, single end-to-end (E2E) platform for the loan management value chain. This solution empowers all the stakeholders (internal and external) engaged in this business value chain with true insight, from the originated leads until the loan's closing.
4Sight could interoperate or substitute our client’s core and transactional systems and even replace multi-point solutions and manual-based processes, enabling our clients to obtain the following benefits:
Our solution was designed by Loan Specialists who deeply understand how the entire Loan Management business operates and is easily capable of integrating with other client business application ecosystems.
It serves Lenders, Loan Servicers, Mortgage Servicers, Mortgage Sub-Servicers, REO Managers, Investors, Vendors, Brokers and Attorneys to operate their business processes more efficiently while delivering more excellent shareholder value and exceeding customer expectations.
Having an E2E lending-as-a-service solution
Allowing operational costs and risks reduction
Providing a faster time-to-market solution
Driving regulatory compliance and efficiency
Enabling a fully digital experience
Expanding customer relationships
One platform to support
all the stages of a loan life cycle
The 4Sight solution supports all the stages of a loan life cycle and empowers all the business lines and stakeholders of a loan business value chain with true insight from the originated leads until the loan's closing. Additionally, our solution extends the loan value chain to a set of third-party stakeholders involved in the lending business ecosystem. 4Sight integrates with the lending organisation's core and transactional systems while replacing multi-point solutions and manual-based processes.
Lead
Manager
Manager
Generation and qualification of commercial loan leads via different stakeholders and channels.
Loan
Origination
Origination
A fully integrated loan commercial, underwriting and operational module that supports all the digital channels, business, and legal rules in a short time to market deployment.
Loan
Manager
Manager
Empowers servicers by providing them with a single integrated platform to manage the performing and non-performing loans and its collaterals.
Property
Manager
Manager
Provides the capacity and capability to manage the entire lifecycle of a property, from the collateral stage of a loan all the way through the sales stages.
VENDOR
Fully integrated vendor partner portal, which allows direct communication with service providers and the receipt of uniformized report information.
Analytics
The platform ensures the centralization of data and the provision of detailed management information in multiple formats, giving the possibility of customizing reports and dashboards, allowing high flexibility and autonomy in managing the business and a 360 view of all operations.
4Sight
Features
The 4 Sight platform includes also a set of integrated cross features and support tools for all the business components of the loan value chain.
portals
mobile app
GDPR Compliance
Multi Language
Multi Loan Types & Portifolios
SOA/API Achitecture
Digital Signature
Users Management & Profiling
Data Security & Privacy
Multi Country
Multi Label
Scalability
SMS / E-mail
Geo-Reference
Documents & Photos CM
Invoice System
CRM
Workflow Management
Score Engine
CTI Management
Help - Desk
Cash Flow Management
Legal
AI / Machine Learn
4Sight
Benefits & Advantages
Compliance Risk
External and internal compliance is omnipresent in any lending process and needs to be continuously updated, monitored and reported without causing regulatory disruption.
Informed Decision Making
Process automation and data integration facilitate better-informed decisions regarding cross-selling, up-sell, and credit risk decisions, leaving the operation flow traceability for internal auditors or external regulators.
Operational efficiency
Processes represent 70% of a credit product. The key is in automation through technology with an end-to-end platform and specialized services.
Cutting-edge solution at a reduced cost
A LaaS solution should easily access and integrate with the lender value chain and business ecosystem through APIs. Consolidates multiple banking systems into one platform and delivers an intuitive software interface for how today's lender operates at a flexible and reduced cost.
Customer Focus
The operational outsourcing of critical processes allows our clients to focus on attracting and converting leads into new loan production by providing superior services to their customers through the most recent and updated technological tools and solutions.
Scalability and Agilityy
The complexity and challenges of the current business loan environment demand flexible and agile technological and business loan platforms capable of efficiently addressing those challenges.
4Sight
Clients
Case Studys
Service provider for residential mortgages loan origination business at Banco CTT and CGD.
Development of an end-to-end customer journey, from the simulation to the evaluation and mortgage contract activation, comprising the complete product lifecycle management.
banco ctt
In 6 months, Banco CTT could simplify its origination process, turning it into an agile, effective and efficient operation. The 4Sight platform additionally allowed for resource allocation optimization and precise control of costs and performance, supporting the origination and servicing of mortgage business operations.
know more
caixa geral de depósitos
Development of an integrated Mortgage Loan Origination Platform, modular, with external channels for customers and 3rd parties (appraisals and solicitors), API integration with CGD core systems (CRM, Scoring, risk and decision engines, Insurance pricing and decision…) and a complete set of features for mortgage origination end-to-end management.
know moreSuccess Stories
The expansion to related B2C businesses across the lending ecosystem, leveraged by the 4 Sight Platform, is the success proof of a tested technology managed by an experienced Finsolutia team.
Mortgage Broker
Regulated consumer credit intermediary company fully approved to operate in Spain and Portugal, dedicated to providing mortgage products to home buyers and debt consolidation products.
Online Instant Real Estate Buyer
Digital platform that buys homes directly from consumers, leveraging on the deep knowledge & infrastructure of the different companies.
Realtor
The brand used by Finsolutia for real estate brokerage services completes the value proposition, ensuring presence across the whole Real Estate asset value chain.
Mortgage Broker
Mortgage Broker with a Tech By Human philosophy, leveraging on technology to simplify the client's financial decisions with digital and agile processes.
