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Broadridge Loan Management from Broadridge Financial Solutions
Comprehensive loan management system for commercial lending, syndicated loans, and structured finance. Features include origination, underwriting, pricing, risk assessment, documentation, servicing, and portfolio reporting. Supports complex loan structures and multi-currency operations.
More about Broadridge Financial Solutions
Product analysis by function
Corporate Lending Systems for Corporate Banking
Platforms for managing the entire corporate loan lifecycle from origination to servicing and collection.
More Corporate Lending Systems
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Loan Origination
(11 Yes /11 Known /12 Possible features)
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Automated Application Processing Ability to accept and process loan applications electronically. |
Product supports digital origination and end-to-end automated workflows as per marketing material and product documentation. | |
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KYC/AML Integration Automatic customer verification and anti-money laundering screening during origination. |
Broadridge highlights KYC/AML integration for onboarding in commercial lending functionality. | |
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Credit Scoring Engine System includes automated tools to assess client creditworthiness. |
Product offers integrated credit scoring and risk grading engine, as referenced in data sheet. | |
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Document Management Electronic storage and management of supporting loan documents. |
Described as having comprehensive electronic documentation management for loan files and supporting legal documents. | |
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Workflow Automation Automated routing of applications for approvals and compliance checks. |
Workflow automation is explicitly mentioned for loan approval, compliance, and exception handling. | |
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Multiple Product Support Support for multiple loan types (term loans, revolving credit, etc.) in a unified workflow. |
System supports a range of loan products including bilateral, syndicated, and structured loans within a unified workflow (see feature brochure). | |
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Real-time Status Tracking Applicants and internal users can track loan application status in real-time. |
Real-time visibility and tracking of loan status is provided for both internal and external users. | |
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Bulk Applications Support for processing multiple loan requests concurrently. |
Bulk processing and portfolio-level operations supported as called out in administration features. | |
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Multi-stage Approval Configurable steps and participants in the origination process. |
Product allows configuration of multi-stage approval and customizable workflows. | |
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Turnaround Time Average time to process a new loan application from start to decision. |
No information available | |
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Application Data Reuse Reuse of customer data across multiple applications. |
Feature set mentions data reuse and account-level data propagation across applications. | |
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E-signature Support Ability for applicants and approvers to sign electronic documents. |
Electronic signature support is listed as standard in the sales collateral. |
Credit Assessment & Risk Management
(11 Yes /11 Known /12 Possible features)
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Automated Credit Analysis System performs automated financial and risk assessments on corporate clients. |
Automated credit analysis capabilities are referenced for corporate client risk grading. | |
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Portfolio Risk Aggregation Aggregates and analyzes risk exposure across all loans in the portfolio. |
Portfolio, sector and exposures risk aggregation is a cited reporting and analytics feature. | |
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Custom Risk Models Ability to configure and deploy custom risk and scoring models. |
System allows configuration of custom risk models (source: configuration guide and case studies). | |
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Limit Management Set, monitor, and enforce exposure limits by client and portfolio. |
Broadridge LMS provides exposure limit management at client and portfolio level. | |
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Stress Testing Simulate impact of adverse scenarios on portfolio risk. |
Portfolio stress testing is explicitly available in risk analytics (according to user demos and data sheets). | |
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Collateral Management Track, value, and monitor collateral pledged against loans. |
Collateral tracking and ongoing valuation is part of system core. | |
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Early Warning Indicators System generates alerts for deteriorating risk profiles. |
Early warning risk/credit event monitoring highlighted in marketing documentation. | |
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Concentration Risk Analytics Tools to monitor concentration by sector, geography, or borrower. |
Concentration risk analytics (industry, geography) described under risk tools. | |
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Automated Financial Spreading Automation of financial statement data extraction and analysis. |
Product extracts, analyzes, and spreads financial statements for automated credit analysis. | |
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Credit Review Frequency Number of automatic credit reviews triggered annually per exposure. |
No information available | |
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Third-party Data Integration Links to external data sources for company ratings, news, or regulatory data. |
Integration with external data sources (e.g., credit bureaus, market data) is a listed capability. | |
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Risk Reporting Real-time reporting and dashboards on risk levels and metrics. |
System supports risk dashboards and continuous risk metric monitoring. |
Loan Administration & Servicing
(11 Yes /11 Known /12 Possible features)
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Repayment Schedule Management Automated calculation and enforcement of repayment schedules. |
Automatically calculates and administers repayment schedules for all loan types. | |
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Automated Interest Calculations System auto-calculates interest due, compounding, and adjustments. |
Interest rate accrual and calculation automation described for multiple product types. | |
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Flexible Payment Structures Support for bullet, amortizing, step-up/down, or custom schedules. |
Supports a range of payment structures (custom, bullet, amortizing, step-up/down). | |
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Fee Management Configuration and automation for origination, servicing, and penalty fees. |
Automated setup and tracking of all fee types per product specifications. | |
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Automated Payment Processing Automatic posting of repayments from clients’ accounts. |
Payment automation and reconciliation are included as servicing capabilities. | |
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Payment Allocation Rules Flexible, rules-based allocation of repayments to principal, interest, and fees. |
Flexible allocation rules for complex payments (interest, principal, fees) listed among configurable options. | |
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Loan Modification Support Capability to restructure loans due to covenant breaches or renegotiations. |
Loan modification and restructuring supported for exception, covenant breach, or renegotiation scenarios. | |
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Delinquency Management Automated tracking and alerts for overdue payments. |
Automated delinquency monitoring and notifications are standard for corporate and syndicate loans. | |
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Prepayment Processing Automated recalculation if borrowers pay early. |
Handles automated prepayment calculations for early loan closure or partial repayments. | |
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Account Statements Generation and distribution of periodic account statements. |
Periodic and triggered account statement generation/distribution are supported. | |
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Servicing SLA Target turnaround time for standard servicing tasks. |
No information available | |
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Multi-currency Support Ability to administer loans in multiple currencies. |
Multi-currency lending operations and servicing cited prominently in product description. |
Covenant & Compliance Monitoring
(10 Yes /10 Known /12 Possible features)
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Covenant Definition & Tracking Configurable management and monitoring of financial and non-financial covenants. |
Covenant management, custom definitions, and monitoring built into system. | |
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Automated Covenant Testing System routinely tests borrower performance against set covenants. |
System automatically tests and validates borrower compliance against covenants. | |
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Real-time Alerts Immediate notification of breaches or potential breaches. |
Immediate notification of covenant and compliance breaches stated as a core alerting feature. | |
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Regulatory Compliance Checks Assesses and tracks compliance with banking regulations. |
Automated regulatory compliance assessment included (see compliance monitoring section). | |
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Audit Trail Comprehensive logging of changes and monitoring activity. |
System supports full audit trail for all covenant actions and compliance monitoring. | |
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User-defined Covenant Triggers Custom triggers for specific client or loan requirements. |
No information available | |
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Exception Tracking System captures, tracks, and reports covenant breaches or waivers. |
Exceptional tracking and management are included in event and compliance workflow engine. | |
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Automated Remediation Workflows Initiates workflows for breach remediation or escalation. |
Automated remediation workflow can be triggered in accordance with compliance breach logic. | |
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Compliance Testing Frequency How often automated compliance checks are performed. |
No information available | |
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Regulatory Reporting Integration Direct integration with required regulatory reporting systems. |
Direct integration to regulatory reporting systems is described as part of outward-facing APIs. | |
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Covenant Document Repository Centralized repository for all covenant and compliance documentation. |
Legal and compliance documentation repositories are part of system document management features. | |
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Multi-standard Support Supports diverse compliance regimes (IFRS, Basel, local requirements). |
Supports multiple reporting and regulatory standards (IFRS, Basel III, etc.). |
Collateral & Security Management
(11 Yes /11 Known /12 Possible features)
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Collateral Register Central system for registering and describing all collateral types. |
Central collateral registry functionality is integrated per product guide. | |
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Automated Collateral Valuation Periodic automatic valuation of pledged assets. |
Periodic automated revaluation of collateral is supported, including external data sources. | |
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Lien Tracking Records and tracks legal claims on collateral. |
Legal lien documentation and tracking available. | |
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Collateral Shortfall Alerts Alerts if collateral coverage falls below required thresholds. |
Collateral value monitoring with configurable alerts for coverage shortfall is supported. | |
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Revaluation Frequency Frequency of automated collateral revaluation. |
No information available | |
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Third-party Valuation Integration Links to external collateral appraisers or valuation data. |
Product integrates with third-party valuers as available. | |
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Margin Call Automation Automatically generates and communicates margin calls. |
Margin call workflows and automation referenced in asset-based lending module. | |
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Collateral Release Workflow Automated process for collateral release on loan repayment or upon agreed events. |
Collateral release on automated trigger described in product documentation. | |
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Concentration Monitoring Monitors concentration of certain collateral types or issuers. |
Collateral pool concentration monitoring included in exposure analytics. | |
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Deficiency Coverage Calculation Monitors whether current collateral covers outstanding exposure. |
System continuously compares collateral value to outstanding exposure. | |
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Legal Documentation Management Electronic repository for legal agreements and registration evidence. |
Electronic legal and collateral document storage available for all lending types. | |
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Multi-currency Collateral Support Ability to track collateral valued in different currencies. |
Tracks collateral in multiple currencies per exposure, as noted in multi-currency feature list. |
Pricing, Fees, and Product Configuration
(11 Yes /11 Known /12 Possible features)
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Rule-based Pricing Engines Configurable pricing models for different loan products and segments. |
Pricing engine is user-configurable for various loan categories. | |
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Multi-tier Fee Structures Ability to support tiered and negotiated fees. |
Tiered and negotiated fee structure is featured. | |
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Automated Fee Calculation Calculation and application of applicable fees. |
Automated calculation and tracking of all fees are included in system. | |
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Dynamic Pricing Capabilities Pricing can automatically change based on market or risk conditions. |
Dynamic rate and price changes can be applied automatically following rating/market input. | |
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Interest Rate Type Support Support for fixed, floating, and hybrid interest rate loans. |
Supports all major interest types (fixed, floating, hybrid). | |
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Benchmark Rate Integration Automatic reference to external rate indexes (LIBOR, SOFR, etc). |
Automated benchmark rate referencing (SOFR, LIBOR) described in promotional content. | |
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Fee Collection Automation Automatic deduction of fees from disbursement or repayments. |
Fee automation includes deduction from payments and disbursements. | |
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Custom Product Variant Creation Ability to create and manage custom product definitions. |
Custom product creation and management tools described in admin features. | |
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Volume Pricing Support Automated pricing adjustments based on portfolio or client volume. |
Adjusts pricing based on portfolio and client volume automatically. | |
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Product Catalog Management Centralized repository and management for all loan product variants. |
Centralized product catalog management highlighted for admin efficiency. | |
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Minimum/Maximum Pricing Guardrails System-enforced minimums and maximums for pricing inputs. |
Minimum/maximum pricing guardrails are enforced as part of the system’s pricing configuration. | |
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Pricing Approval SLAs Maximum time for pricing approval workflow completion. |
No information available |
Customer & Relationship Management
(10 Yes /10 Known /12 Possible features)
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360-degree Client View Comprehensive, real-time summary of all client exposures and touchpoints. |
Comprehensive client dashboard showing exposures, transactions, and relationship status. | |
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Contact & Relationship Hierarchies Support for complex client and group structures, including subsidiaries and parent entities. |
Grouping and hierarchy management for complex client structures is featured. | |
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Interaction Tracking Logs and manages all client communications and meetings. |
CRM features include history and interaction tracking. | |
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Loan History Access Instant access to complete loan, transaction, and document history. |
Full history of loans and associated documentation provided per client. | |
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CRM Integration Connectivity to external CRM systems (Salesforce, Microsoft Dynamics, etc). |
Integration points and out-of-the box CRM integrations referenced (e.g., Salesforce). | |
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Client Risk Profile Tracking Monitors and displays real-time risk indicators for each client. |
Ongoing client risk profile tracking and client-level scoring is available. | |
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Customer Data Update Tracking Audit trail on all client data changes. |
Tracks/access log of every data update at the client level. | |
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Automated Contact Reminders Automated follow-ups or notification workflows for relationship managers. |
No information available | |
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Document Upload and Sharing Clients and staff can upload and access shared documents securely. |
Secure document upload and sharing, including with external participants and agents. | |
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Client Segmentation Ability to segment and target clients based on defined criteria. |
Segmenting client base and targeted workflows noted in CRM documentation. | |
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Client Onboarding SLA Average onboarding time from application to activation. |
No information available | |
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Self-service Portal Customer access to view status, download documents, and submit requests. |
Web portal for client self-service options referenced in the product brochure. |
Reporting & Analytics
(10 Yes /10 Known /12 Possible features)
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Ad-hoc Report Builder User-friendly interface to build custom reports. |
Custom and ad-hoc report builder described in reporting/analytics section. | |
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Scheduled Reporting Automated scheduling and distribution of standard and regulatory reports. |
Standard and scheduled reporting for regulatory and MIS included. | |
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Portfolio Performance Dashboards Visual dashboards for real-time KPIs and metrics. |
Portfolio performance dashboards are part of reporting suite. | |
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Data Export Support Export data in common file formats (CSV, Excel, PDF). |
Export data (CSV, Excel, PDF) is described as supported output formats. | |
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Regulatory Reporting Templates Pre-built templates for regulatory submission requirements. |
Pre-built regulatory report templates available and maintained. | |
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Exception and Outlier Analytics Automated highlighting of transactions or exposures outside normal parameters. |
Exception and outlier management featured as part of monitoring and analytics suite. | |
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Trend Analysis Tools Tools for analyzing portfolio and client-level trends. |
Trend tools available for portfolios and clients. | |
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Automated Data Reconciliation System auto-matches and reconciles reporting data with source systems. |
No information available | |
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Interactive Visualization Support for interactive graphical analysis (charts, heat maps, etc). |
Interactive dashboards and visuals part of system analytics. | |
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Report Generation Speed Average time to generate standard reports. |
No information available | |
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User Security on Reports Role-based access controls for sensitive report viewing. |
Role-based access assigned to reports and dashboards. | |
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Integration with BI Tools Native or API-based connectivity to external business intelligence tools. |
Connectivity/API integration with BI tools such as PowerBI is mentioned. |
Integration & Interoperability
(11 Yes /11 Known /12 Possible features)
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Open API Framework Comprehensive suite of documented, secure APIs for connectivity. |
Broadridge publishes robust Open API framework for integration. | |
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Core Banking Integration Real-time or batch connectivity to core banking and accounting systems. |
Integration with core banking/accounting platforms is a core use case. | |
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Third-party Data Feeds Consume data from market data providers, credit bureaus, etc. |
Third-party data feeds from bureaus, index providers, and others are supported. | |
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Syndicated Loan System Integration Supports data exchange with loan agency and syndication platforms. |
Syndicated loan system integration provided for agency and participant banks. | |
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Bulk Data Import/Export Support for efficient, large-scale data import and export. |
Bulk import/export processing referenced in data integration features. | |
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Real-time Webhooks System issues real-time notifications of key events to external systems. |
Real-time event webhooks are available for extensible integrations. | |
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Batch Processing Time Duration required to process a standard data integration batch. |
No information available | |
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Out-of-the-box ERP Integration Connectors for SAP, Oracle, or similar ERP systems. |
Connectors for major ERP systems are referenced. | |
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Digital Bank Connectivity Direct digital channels for customer self-service integration. |
Digital bank and client-facing connectivity is noted in the self-service and open banking features. | |
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Integration Monitoring Tools Dashboard and alerting for data integration status and failures. |
Integration status, health and error dashboards available. | |
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SSO with Identity Providers Single sign-on with enterprise identity solutions. |
Single sign-on with major identity providers available for enterprise clients. | |
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Data Transformation Support Rules for mapping and transforming incoming and outgoing data. |
Data mapping and transformation rules can be configured in integration layer. |
Security & Access Control
(10 Yes /10 Known /12 Possible features)
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Role-Based Access Controls (RBAC) Granular access permissions configurable by user roles. |
Role-based permissions are a highlighted security feature. | |
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Multi-factor Authentication Users must authenticate using more than one factor (e.g., password + OTP). |
Multi-factor authentication implemented for user access. | |
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Data Encryption in Transit All data exchanged between systems is encrypted during transmission. |
Data is encrypted in transit, as per standard enterprise SaaS policy. | |
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Data Encryption at Rest Sensitive data in storage is encrypted. |
All sensitive data is stored encrypted at rest. | |
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Audit Logging All significant system and user actions are logged for review. |
Audit logging for security/compliance events is standard. | |
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Privilege Escalation Controls Processes for temporary or emergency access escalation are tightly controlled. |
Privilege escalation requests are workflow-controlled and logged. | |
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User Access Audit Frequency Number of system-automated access reviews per year. |
No information available | |
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IP Whitelisting Restrict access to the system from defined IP address ranges. |
IP whitelisting can be enforced as per security best practices. | |
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Session Timeout Settings Configurable timeout for inactive user sessions. |
Customizable session timeouts are available. | |
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Data Masking Sensitive data is masked in the UI for users without full privileges. |
Sensitive data masking included in UI for restricted users. | |
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Intrusion Detection Integration Connectivity to bank’s intrusion and anomaly detection services. |
System integrates with standard SIEM and intrusion detection tools. | |
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Disaster Recovery RTO Target maximum Recovery Time Objective for disaster recovery. |
No information available |
Usability & User Experience
(10 Yes /10 Known /12 Possible features)
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Responsive UI Design Interface is user-friendly and adapts to various device screens. |
UI is responsive and web-based, scaling to devices. | |
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Configurable Dashboards Personalized landing pages and widgets. |
Personal dashboard and widget configuration supported. | |
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Search & Filter Tools Advanced search and filter across all customer and transaction records. |
Advanced search and filtering are referenced in UI documentation. | |
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Bulk Action Support Users can perform actions on multiple records simultaneously. |
Bulk actions supported in administration and workflow processing. | |
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Accessible UI Compliance with accessibility standards (WCAG, Section 508). |
No information available | |
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Localization Support System can be translated into multiple languages. |
Multi-language and localization supported in UI. | |
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User Onboarding Wizards Step-by-step helpers for new user setup. |
User onboarding wizards and in-app guidance tools mentioned. | |
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Performance Metrics Average page load speed for core workflow screens. |
No information available | |
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In-app Help & Tutorials Contextual support and guides embedded in the system. |
Embedded help and tutorials featured in UI. | |
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Customizable Menus Users can rearrange and prioritize menu items and shortcuts. |
Customizable menu layouts and quick links are supported by the UX. | |
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Notification Preferences Users can configure alert and notification settings. |
Notification preferences are managed per user via system configuration. | |
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Mobile Device Access Core workflows are usable from mobile devices and tablets. |
Mobile web and tablet access enabled for standard workflows. |
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