We have created a web-based ERP system for online processing of loan applications with a complete backend.

This ERP system includes a list of websites where clients fill in and submit short-term loan applications. In addition, we developed separate web-based application for loan processing. This application includes several subsystems:

• CRM System: After submitting, the applications go through a complex automatic verification, and if they have passed it successfully then applications are placed in a queue. Each queue has set of rules and filters to catch applications according to business requirements for priority and processing steps needed for individual applications. Different groups of agents have access rights to different queues. As an application is assigned to a queue – one of agents starts processing it manually to finalize loan origination.
• Payment System: When the application is finally approved, the Payment System comes into play. It includes automatic bulk payment processing and manual payment processing. Funding/Credits and Debits logic implementation provide flexible payment management and control of the customer’s balance and schedule, as well as providing tools to reschedule debit payments, manage overdue payments and create arrangement payments, refunds, etc.
• Notification System: provides functionalities to send SMS texts and email notifications to a customer or to the support team on different events. Also provides a subsystem to receive emails and texts from customers and automatically attach the emails to the customer’s account.
• Windows service application to perform specific scheduled tasks: sending texts/emails with payment reminder messages, triggering automatic payment processing, revaluating Queue criteria, reassigning applications to new Queues, etc.
• Reports System: provides financial reports to monitor business results by period, dashboards to monitor current system status and health of different subsystems and reports to track different aspects of call-center productivity (speed of contact, time spent on application, applications processed by agent, etc.).
• Security System: assigns users to different roles and allows each role to have access to separate parts of the system (pages, queues, application processing stages, etc.). This granular control collates the isolated work of several call centers in one web system.

ERP System is designed to be used on Desktop web clients. Customer frontend for application processing has mobile version. The system has ben used by different call centers for more than three years. During this time, we constantly made changes and improvements.