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Overview
M-Credit is a mobile application allowing consultation to support services for credit clearance on the market, such as the Credit Protection Service (SPC), the Shop Manager Chamber, or Serasa, aligned with the rules for credit or financing concession by the company itself. The applicative expands the performance area of its promoters and correspondents, speeding up the process for credit concession or direct consumer credit and controlling productivity and assertiveness of its personnel. With this system, the entire team can be quickly assessed, and the credit opening process will be much accelerated. The client is satisfied to pass through this procedure, which is often embarrassing, with the required tranquility and quality.
Benefits
>> Expansion of the promoters' area of action, that will not be restricted to the shop vicinity; >> Persons without a good credit profile will no longer be forwarded to the shops (the promoter acts as "filter"); >> Increase of productivity: the number of proposals generated by the promoter increases substantially; >> Easiness to monitor the operations/promoters: the proposals generated by the promoter are record by the system, with date and time, allowing a detailed analysis of the promoter's performance; >> Utilization of the database generated by the system for relationship actions; >> Image of modernity and efficiency; >> Reduction of retyping costs, expenses with paper and the support structure (shops).
Main Functionalities
>> Possibility of online consultation to several databases (checking the risk internally and of third parties);
>> Consultation of the credit situation of a potential client carried out directly by the promoter;
>> Capture of data from potential clients to feed the CRM system;
>> Access control binding the promoter to the device (cell phone), with password validation;
>> Security: all interactions and information exchanges are encrypted and cannot be copied or retransmitted;
>> Access to control reports, performance and tool usage indicators;
>> Comprehensive set of analytical tools (reports, graphs, tables), that transform data into information.
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Case IBM
Previous Situation
>> The majority of users used paper forms that needed retyping;
>> A small group of users employed high cost devices for credit consultation;
>> Bureaucratic analysis process for credit analysis;
>> Inefficiency and loss of sales.
Solution
Implement Abacomm's M-Credit.
Results
>> Increase of productivity and agility;
>> Increase of the number of credit analyses and financing volume;
>> Cost reduction in the purchasing process;
>> Risk reduction in credit concession.
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