Solutions
ACP RETAIL LOANS
Fast-track your Retail loan journey with cutting-edge credit automation & scoring solution
Retail lenders face high demands while depending on manual processes, increasing the need for fast and reliable loan solutions. ACP Retail Loans automates lending processes with AI, ensuring efficient loan journeys and accurate decisions.
Axe Credit Portal covers all types of retail lending
Personal loans
Auto loans
Mortgage loans
Credit cards
Personal overdraft
Student loans
State-of-the-art Retail loans origination software
Empowering lenders with an end-to-end Retail lending solution
Ensure a digital onboarding and prompt credit initiation
- AI-powered borrower onboarding and Credit Application
- Pre-approved loans and Omnichannel customer experience
- Faster time-to-market for new products and offers
- Faster task approvals and controls
- 360° view of customer and prospect information
- Quick updates about credit application progress
- Rapid change implementation to loan application
- Point-of-Sale financing integrated options
Traditional & AI-based scoring integrated into one single platform
- Real-time data integration with external and internal data sources
- Enhanced credit decision quality through integrated new data sources
- Innovative ML-based scoring models
- Customizable scoring template based on qualitative and quantitative scores
- Automated delegation of authority as per the institution’s credit policy
Data analytics for Retail loan monitoring, servicing, and cross-selling
- AI-leveraged profiling and cross-selling recommendations
- Traditional and AI-based early warning signals for a proactive approach to retail credit monitoring
- Business Intelligence module with standard and customizable dashboards
- Enterprise-wide risk reporting of credit-related activities
- Enhanced overall control of all credit-related statistics & processes
- Regulatory reporting for central bank reports requirements
ACP Retail Loans is trusted by
Top-tier bank in Vietnam
“Overall, we are very happy with ACP, it allows crystal clear efficiency and credit risk mitigation gains. The most appreciated component of this solution is for me the Business Rule Engine, a real game-changer in terms of configuration UX and flexibility.
Thanks to fully digitalized credit card loans processing through ACP, the bank maintained its growth even during the lockdown period, and the turnover of the credit cards business segment has been significantly increased.”
Retail lending
FAQs
What is Retail Lending?
It is providing loans, such as mortgages, personal loans, auto loans, and credit cards, to individual consumers for their personal and household financial needs.
What factors determine eligibility for Retail loan?
Eligibility for a retail loan is determined by factors such as credit score, income, debt-to-income ratio, credit history, and loan amount requested.
