Business Challenges

Today, Banks want to enhance the existing SME credit processing systems with additional features such as,

• Comply with Basel II business requirements
• Include business functions of collateral management
• Incorporate the loan loss information of special loans (non-performing loans)
• Creation of risk rating engine
• Provide data feeds for management reporting
• Interface with wholesale credit data warehouse

From a technological stand point, the existing systems are not scalable, have maintenance issues and not confirming to Basel II standards.