ABOUTSmart Lending with AI
Our Smart Lending Platform is a game-changer for retail and SME lenders, offering an end-to-end digital lending solution that revolutionizes the online lending landscape. It empowers lenders to enhance their lending processes, reduce operating costs, and uphold stringent risk management standards through advanced AI and big data technologies.
Our Solution
The Smart Lending Platform is designed to streamline the credit process and expand the customer base for loan approvals. Leveraging Big Data and Machine Learning, it analyzes extensive data from diverse sources, including transaction records, credit histories, online behaviors, social metrics, government data, and more. This comprehensive analysis enables us to assess risks accurately and determine optimal loan terms, including amount, interest rates, and repayment schedules, tailored to each borrower’s profile.
Powered by AI, our platform operates seamlessly, automating loan approval decisions, contract generation, and fund disbursement within minutes, eliminating the need for manual intervention. This speed and efficiency enhance the borrower experience while significantly reducing processing times.
Our platform caters to a wide spectrum of borrowers, including individuals, small enterprises, and medium-sized businesses, offering both online and offline lending channels. With robust security measures in place, we ensure the utmost protection of users’ personal and financial data, bolstering trust and confidence in the lending process.
Leads Generation
- Seamless integration with channel partners.
- Leads generation engine.
- Leads database and leads assignment.
Digital Loan Application
- Multi-channel digital loan application through web and app.
- Facial recognition.
- OCR ID documents.
- ePassport NFC authentication.
- Voiceprint registration.
Digital Loan Processing & Management
- Application form and product configuration.
- Sales channels management.
- Process and decision flow configuration.
- Intelligent document processing.
Anti-Fraud Engine
- Gamma device fingerprint technology identifies over 15 particular device features generates a unique deviceID and capture device usage and transaction behavior.
- Extensive anti-fraud rules and anti-fraud scoring model.
- Remote interview with micro-expression technology.
Credit Risk Model
- Advanced Al and machine learning capabilities.
- Risk models are differentiated for retail lending and SME lending.
Post Loan Monitoring
- Using big data analytics in building a multi-dimensional warning module.
- Automated monitoring procedure with extensive monitoring rules.
- Periodic post-loan reports and investigation task management.
By choosing Stream, businesses gain access to a reliable and secure platform that not only meets but exceeds the digital transaction demands of the modern corporate world.
