ARIUM Core Finance. Loan Origination, Loan Management, Loan Collection System. Comprehensive Multifinance Solution

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1 ARIUM Core Finance Loan Origination, Loan Management, Loan Collection System Comprehensive Multifinance Solution

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3 Table of Contents Competitive Lending Market The Why of Telkomsigma s Arium Core Finance Arium Core Finance Modules Platform and Technology Options of Arium Core Finance Offering Scheme Why Trust Telkomsigma?

4 Competitive Lending Market In understanding that today s competitive environment requires commercial lenders to look for ways to increase efficiency in the loan process, improve profitability, and mitigate risk, Telkomsigma is now offering Core Finance, a comprehensive multi-finance solution designed to enhance your efficiency. Not only is Indonesia already crowded with competing banks and around 200 multifinance companies, the country s market is also highly regulated so that only those who offer the most efficient loan process and maintain compliance with applicable rules and regulations can survive and thrive. Without a truly comprehensive solution, lenders will have trouble managing the loan life cycle, thereby causing delays to client payments and an inability to monitor credit and debt limits. In addition to the rising risks and costs from such loan life cycle disruptions, the absence of a comprehensive solution oftentimes leads to lenders failure to comply with regulatory requirements. The Why of Telkomsigma s Arium Core Finance Core Finance is a comprehensive, IT-based Loan Solution designed to help banks and multifinance companies compete more effectively in the market. Combining Telkomsigma s experience and knowledge base, Core Finance creates operational effectiveness by bringing the following capabilities to banks and multi-finance companies: Give pre-approvals faster in order to acquire new clients Define own product parameters Eliminate risks when and where possible and reduce the time needed to originating loans Issue valid output information in a very accountable and timely manner due to having an integrated system of loan acquisitions, loan management, and collection systems, in which every module s performance is highly optimized to facilitate and ensure a smooth business process 4 Telkomsigma Arium Core Finance

5 Arium Core Finance s Key Features Cover Multiple Products This product management module enables lenders to define or configure different types of financing products, including Consumer Financing, Leasing, and Factoring, through a parameters setting that covers pricing, interest calculation method, charges method, repayment rules, and administrative rules. Strong Ecosystem Core Finance is surrounded by other complementary systems, making it a One Stop Solution for all types of financing business. Fully Online & Centralized Core Finance covers a fully online & centralized system, integrated funding module, flexible approval process, open platform complete with business application software and selfdefined parameterized and business-driven products. Benefits of Core Finance 1. Streamline Business Process Arium Core Finance employs workflow technology to control and monitor the various steps in loan processing for automatic routing of application for each product, business models can be accommodated in the system, compatible to paperless technology, support document imaging and archiving for various loan application. 2. Reduce Losses & Delinquencies Arium Core Finance reduce potential fraud case by matching process (credit checking), and reduce potential losses due to the inability of the applicant to pay the debt by using strong credit analysis mechanism (credit scoring and compliance), which may lower the risk of delinquent loans. 3. Multiple Product Handling Arium Core Finance support financial industry such as Consumer Loan, Finance Lease and Factoring. 4. Collection & Recovery Advantage Arium Core Finance can help you develop more focused collection strategies by risk based segmentation, collection prioritizing, determining which accounts have the highest payment potential & increase debt recovery through ongoing portfolio monitoring. Telkomsigma Arium Core Finance 5

6 Arium Core Finance Architecture Loan Origination Loan Management Collection & Recovery 3 rd Party Module SUPPORTING APPLICATION Message Delivering Loan Origination Matching Data Capture Order Appraisal/Survey Approval Contract Management Final Check Memo Disburstment Loan Maintenance - Account Activation - Early Termination - Over Credit - Account Inquiry Cashier Management Billing & Payment PDC Management Collateral Management Customer Service Product Management Account Handle Distribution Collection Activity Assignment Letter Collection Expense Reposses Asset Inventory Asset Write Off & Recovery Management Dealer Management Dealer Management Insurance Management Service Agent Notary 3 rd Party Settlement Notification system: - SMS - Mobile Application: - Marketing - Survey - Approval - Collection Business Monitoring Financing Management Dashboard Management Audit Log BI Report Security Business Activity Monitoring Business Process Management Interfacing (text file) INTEGRATION HOOK UP PAYMENT GATEWAY Accounting System Payroll HR Auto Debet Host to Host Treasury EDC Electronic Document Document Management Imaging / OCR Arium Core Finance Business Flow LOAN ACCOUNT MAINTENANCE Account Disbursement Billing & Payment Account Activity Early Termination, Restructure, Over Credit,etc PDC Management Insurance Policy Process Interface PROSPECTING Capture Prospect Data Follow Up Prospect LOAN ORIGINATION Scoring Risk Checking Document Checking Multilayer Approval COLLATERAL MAINTENANCE & TRACKING COLLECTION & RECOVERY Collection Management Repossess Asset Inventory Asset Management Write Off FUNDING MANAGEMENT Channeling /Joint Finance Asset Securitized G E N E R A L L E D GE R Business Intelligence INTERFACE TO BANK 6 Telkomsigma Arium Core Finance

7 Arium Core Finance Modules Telkomsigma s Core Finance is a complete solution with end-to-end features covering various types of financing businesses, such as Consumer Financing (mortgage loans, auto loans, electronic loans, refinancing / leaseback / cash loans), Leasing, and Factoring. Such a complete solution is supported by the following range of comprehensive modules for facilitating a complete lending process: a. Loan Origination Supported by flexible credit flow, scoring and matching engines, this module manages the Loan Acquisition process, starting from prospecting, surveying, approval, and disbursement. b. Loan Management This module manages loan maintenance, namely: Customer Management, covering customer data maintenance, and customer payment method Product Management, useful for creating attractive products and packages, including mortgage loans, vehicle loans, electronic loans, and multi-purpose loans Loan Maintenance, designed to handle loan inquiry, loan restructure, early termination, and over credit Payment & Billing, assisting in managing due collection, customer payment allocation, payment receipt printing, payment reversal, and billing waive Insurance, managing insurance payment (on loan, prepaid, annual), insurance processes from order, endorsement, refund/cancellation, and claim Post Dated Check, handling PDC processes, such as input, PDC Clearing and payment allocation, PDC maintenance and stocktaking of PDC Collateral Tracking & Maintenance, tracking collateral status and storage, handling collateral maintenance process Funding Management, dealing with source of fund, and providing various types of funding arrangements, such as joint financing, channeling and securitizing assets, with mirroring and non-mirroring schemes Incentive Management, handling incentive for dealer, developer, marketing staff, and collector with progressive and non-progressive calculation method Third Parties Maintenance & Billing Settlement, dealing with dealer, developer, insurance company, notary, service bureau, surveyor, appraisal company, professional collector, counterpart/bank Customer Service Management, covering customer service activities related to customer documents, loan simulation(s), and inquiry application status. c. Collection Management, covering the following processes: Collection, managing parameters, processes for internal or external collector and collection activities Inventory Asset, repossessing asset, asset appraisal, and asset selling Write Off & Recovery, handling write-off processes, payment recovery, and charge-off Telkomsigma Arium Core Finance 7

8 Platform and Technology Equipped with the J2EE technology platform, web-based, multiplatform, and 3-tier architecture, Core Finance enables companies to improve efficiency by, among others: Reducing financing costs Limiting instances of human error arising from manual process Presenting valid and comprehensive data and reports Improving productivity Suppressing leaks and fraud Providing safe and secure implementation Core Finance s Platform and Technology Platform Operating System Oracle Enterprise Linux or Windows Server 64 bit Database Oracle 11g Standard Edition or EnterpriseDB 9.2 Application Server Oracle Internet Application Server or JBoss 7.1 Technology Web-Based Java/J2EE Structured User Parameter 3-tier Architecture GUI Based Input Forms GUI Based Business Processing Definition Multi-Layer Security Network 8 Telkomsigma Arium Core Finance

9 Options of Arium Core Finance Offering Scheme Fully understanding the challenges faced by Multifinance companies and banks, Telkomsigma offers Core Finance in two options: License Model, offering purchase license option, suitable for companies that prefer CAPEX model. Application Service Provider (ITOM), offering the solutions by outsourcing and renting the services by paying monthly or yearly based on usage suitable for companies that prefer OPEX model. Why Trust Telkomsigma? We have a solid track record in providing IT-based banking and financial solutions. Based on our IT experience and expertise since 1987 by becoming an IBM business partner, we have earned a strong reputation in the banking and financial industry through our solutions, including AlphaBITS for local banks, and end-to-end IT solutions consisting of Data Center Services, System Integration, Banking and Financial IT solutions, Cloud Computing and IT Managed Services. Telkomsigma is supported by reliable local professionals who understand the business, technical provisions and the financial industries regulation in Indonesia Our Banking and Financial Solution Milestones 1998 : AlphaBITS, Core Banking System 1991 : Excalibur, Capital Market Core System 1993 : AlphaBITS Syariah, Islamic Core Banking System 2000 : Approva, Loan, Originating System 2000 : Financore, Multifinance Core System 2005 : SERA, Payment Gateway 2008 : LINK, ATM Switching for the State-owned Banks Association (HIMBARA) 2009 : SATU, Modern Core Banking Ecosystem for BPR 2011 : ARIUM, Financial Solutions Ecosystem Trusted by Banking and Financial Clients Over 130 clients from the banking and financial sector have utilized our diverse and end-to-end solutions. Since 2009, the State-owned Banks Association (HIMBARA) has trusted us to manage its LINK ATM Switching, enabling them to conduct over 150 million transactions over LINK. International Standard Telkomsigma s business process has been appraised CMMI Lv3, which recognizes our improved process to acquire, develop, and deliver products and services. Telkomsigma Arium Core Finance 9

10 Make IT Faster and Contact Us! Copyright 2014 PT Sigma Cipta Caraka (Telkomsigma) Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesia The information contained herein is subject to change without notice. Created April 2014

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12 Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesia