Our best-in-class business banking software transforms your financial management process entirely and simplify the overall process of managing your chart of accounts, making journal entries, setting accounting rules and mapping your financial activity a breeze.
CloudBankin’s extensive feature set allows you the flexibility to scale at will and onboard new customers quickly and seamlessly.
Loan Origination lets you process and disburse loans with lightning speed: thanks to a feature set that includes form management, parameter definition and rule engines configuration. Impress your existing as well as new customers with fast and efficient processing!
Manage Forms
Configure your customer journey with respect to each of your product and respective credit policies in no time to bring out your USP.
e-KYC
Advanced non-contact onboarding fulfilling the statutory requirements leading to customer delight.
Rule Engine
Configure multiple and complex business wise credit policies to effectively reduce the turnaround time.
Plug and Play
Ability to integrate APIs and position it according to product and process requirements.
Organisation Hierarchy Management
Replicate your organization structure to effectively monitor and manage individual units as profit centers.
Onboard your Business Partners
Facility to onboard business partners and monitor business stream wise contribution
Customizable Templates
Customize all the communications (Email, SMS, Standard formats and Web contents) to your customers.
Effective User Guide Tool
Activity wise user guide comprising of videos and walk through steps that will helps novice to become a professional
Scalable Loan Management System which allows you to manage the entire life cycle of a loan, while meeting the changing demands of the market. Facility to configure workflows, customize reports and dashboard, create alerts among other routines features.
Security and Data Protection – We use and rely on cloud-based services that are widely used in the industry and provide high security and availability for their services and infrastructure.
Chart of Accounts
It is easy to configure your COA (Chart of Accounts) on CloudBankin under five main categories: Assets, Liabilities, Income, Expenditure, and Equity which could be easily accessed in two views: List or Tree.
Journal Entry
Our streamlined lending software features a user-centric design and ease-of-use platform that simplifies tedious tasks such as adding, closing, or searching journal entries replacing your default accounting software.
Migrate Opening Balances
Ease the process of migration of the opening balances from the legacy system data using our cutting edge commercial lending software.
Financial Activity Mapping
Map all your vital financial activities to specific accounts by using an assorted list of predefined commands that dictate a list of procedures to be carried out on a system-generated accounting transaction.
Module Wise Report Generation
Our module-wise reporting structure offers you complete visibility of your data and help you drive actionable insights with minimal staffing. By using our mini bank software, you can directly connect to relevant databases, mash-up multiple insights, and visualize them as easily interpretable reports.
Dashboard
Our interactive dashboard feature provides a comprehensive outlook of the entire operational process like overall loan management, client trends for all or specific location, a visual interpretation of daily activity giving you an indepth insight to manage the complexities you encounter in your day-to-day operations.
Transform your data into stunning reports within a matter of minutes by using our extensive collection of reports, which are ideal for any banking or lending institution. Our product’s responsive reporting structure, coupled with a highly interactive dashboard, makes it a pioneer in the line of loan software.
What is CloudBankin?
CloudBankin is the end-to-end digital lending software that automates and manages the complete loan lifecycle from loan origination to disbursement, from management to closure for financial institutions.
Will it be difficult to switch to CloudBankin?
No, it won't be difficult to switch to CloudBankin. Our clients are able to go live in 24 hours. And in cases with data migration, the implementation is done within 4 weeks. Our application is a low-code platform where customer onboarding forms and products can be done in the front end. Data migration is bulk imported by Excel file or API based on existing system capabilities.
Can I try the software or sign-up for a demo before I buy it?
Yes, our sales team will show you the demo to better understand our product. We will also provide a free trial of our product for a first-hand experience.
Is CloudBankin software secure?
Yes. We give utmost importance and use industry-wide best practices for security standards and data protection. Our team uses a combination of battle-tested technologies, open-source practices (e.g., OWASP), robust cloud infrastructure (e.g., AWS) and risk/security policies to ensure systems and data are protected at all times.
Does CloudBankin support online payments?
Yes, CloudBankin supports online payments. We have payment gateways integrated for automated disbursal of loans and direct debit (E-mandate) from the customer's bank account for collection.
What software do loan companies use?
Cloud-based loan origination software and loan management software are the most popular tools used by loan companies to onboard borrowers easily. The lending industry has been transformed by technology to the point where lenders can now access their lending platform from any location at any time. Cloud-based software also has many other benefits, including the fact that it is platform-independent (using only a web browser), improves user experience, and is much easier to update and upgrade, maintains overall data integrity. As a result, the lending process becomes efficient in terms of cost, time, data management, and security.
Is the software configurable?
Yes, CloudBankin, our digital lending software, is configurable in nature. For example, Our platform is integrated with the credit bureau like (Equifax), you only need your license key, and we configure it into our system for you to fetch your borrowers’ credit report easily. Configuring “n” number of parameters in the rule engine - adding or adjusting parameters (conditions) which help in taking credit decisions can be easily integrated into the rule engine to evaluate your borrowers. Configuration in product master - Create a new product just by adding new parameters in data fields like interest rates, principles, repayments, loan tenure, repayment strategy, moratorium, etc. The examples above show no human intervention (developers) help is required for them. That’s how configurable CloudBankin is.
- Email: [email protected]
- Sales Enquiries: +91 9080996606
- HR Enquiries: +91 9080996576
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(Formerly known as Habile Technologies)
After smartphone penetration, people are not watching their SMS at all. They use SMS only for OTP related transactions. That’s it.
But What can a Lender see in your SMS after you consent to them?
Lender can see income, expenses, and any other Fixed Obligation like (EMIs/Credit Card).
1) Income – Parameters like Average Salary Credited, Stable Monthly inflows like Rent
2) Expenses – Average monthly debit card transactions, UPI Transactions, Monthly ATM Withdrawal Amount etc
3) Fixed Obligations – Loan payments have been made for the past few months, Credit card transactions.
It also tells the Lender the adverse incidents like
1) Missed Loan payments
2) Cheque bounces
3) Missed Bill Payments like EB, LPG gas bills.
4) POS transaction declines due to insufficient funds.
A massive chunk of data is available in our SMS (more than 700 data points), which helps Lender to make a credit decision.
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