The Cloud Lending revolution is here
Build the lending platform of the future, and unlock new sources of value and revenue creation. Gain an unbeatable time-to-market by configuring performing front-end, middleoffice, backoffice, and servicing workflows, all in one place.
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Number of
loan applications
processed by
TheLoanFactory
since the origin:
0
THE DIGITAL TRANSFORMATION OF RETAIL LENDING
The retail lending market
is in rapid and constant evolution
Regulations are becoming
increasingly complex
in all countries, making compliance
more and more difficult.
Your solution to develop tailor-made financial products via its universal platform and to manage them throughout their life cycle
End-to-end
integrated solution
Full loan life cycle management
From
origination and decision
to account management,
servicing and collections
Omni-lending functionality
All retail loan products and activities are covered, including mortgages and SME loans, supporting any distribution channel
Reduced costs of operation
Pay-per-use model allowing to significantly reduce IT processing costs, increasing productivity and profit margins
Easy deployment & management
Fully customizable cloud-ready architecture deployable anywhere in the world on private or hybrid cloud infrastructure
Omni-channel
experience
& API ready
Runs on multiple channels such as branch, internet and mobile.
API-enabled platform ready to integrate with any third-party banking system
On-the-fly product creation
Unbeatable time-to-market
made through configuration
instead of programming.
Creating a new product
is a matter of minutes
A SOLUTION COMPATIBLE WITH ALL
BANKING ARCHITECTURES
Your solution to develop financial products via a universal platform, and to ensure that it is management throughout their life cycle.
API
gateway
Complete separation
of the API layer
from the core
APIs exposed in
a specific layer
Data
mapping
Transformer module
for mapping data via
a graphical interface
Control of multiple technologies and
communication protocols
Web Services (SOAP, REST)
– Synchronous; Messaging
(JMS, AMQP) – Asynchronous;
And more exotic methods:
FTP, FTPS, SFTP, TCP, UDP, JDBC, File
Highlights and
key features
Minutes to complete
a loan application
with increased
transformation rates using real-time processes
Chatbot instead of form filling experience,
hardly any data captured by the customer
Facial recognition
and validation against documents covers all ID / KYC requirements
AML / PEP
checks performed in the background
Scoring based on
real financial
behavior from
Open Banking
avoids the need to
collect traditional data
Document recognition
avoids unnecessary
data capture by using
OCR technology
Electronic signature
fully compliant with
EU regulations
In production today
in France at a major Consumer Finance Specialist
ADAPTABILITY
Full digital and
local requirements
No general regulation covering
fully digital contracting of loan
contracts exists. Greenlight can
befully tailoredto each country’s
requirements depending on:
- Credit bureaux and other local risk management requirements
- Availability of local databases to obtain and verify address details
- Open Banking implementation levels
- “Wet signature” v digital signature regulation
- KYC requirements
(video chat available for countries that require it) - Cooling off period implemented according to local regulations
- Upload of documents where required
Greenlight responds very quickly and flexibly to change
Working together!
Legacy Banks have the
customer relationship and
a wealth of information
Challenger players have
speed and agility in their
favor but need to break
through
Both can win from the
benefits provided by
Open Banking and full
Digital implementation
Greenlight
is the right
solution
to your
onboarding
needs
WHY CIRCEO?
An Alliance of Business
and Fintech Expertise
An international team that resolves complex lending issues and speaks the language of their markets
Fintech experts who provide our clients with one of the most innovative and reliable loan management platforms on the market
TheLoanFactory is the first platform
ISO / IEC 27001: 2013
TheLoanFactory offers a configuration engine consisting of microservices and graphical interfaces allowing business specialists to create, without coding:
- Financial products
- User interfaces
- Customer and prospect communications
- Print-outs
- Distribution processes
- Compliance rules
- Accounting rules
- Strategies collection …
OUR NETWORK
Technical partners
The platform is hosted
in cloud
or data center of IBM.
Partners with a technical offer
integrated into TheLoanFactory
QuickSign: KYC, documents upload, OCR and automatic checks, electronic signature
Ubble: KYC solution
Twilio: video chat streams for subscription process
Algoan: chatbot, scoring on open banking data
Syspertec / Synapse: connection to French negative bureau, AML / PEP checks
Netheos: KYC, documents upload, OCR and automatic checks, electronic signature
Monext Retail Online: card transaction authorization
Bridge-Bankin: PSD2 bank aggregation
BudgetInsight: PSD2 bank aggregation
Tink: PSD2 bank aggregation
Jumio: KYC and AML / PEP services
Our preferred business partner for the deployment projects of TheLoanFactory is Accenture. Accenture and Circeo have created a jointed Delivery Center for this purpose.
CIRCEO
supports
One of the
leading
European
banks
A consumer
finance
specialist
A retail
bank in
Central Asia
OUR TEAM
Supervisory Board members
Alain Breuils
Founder,
Chairman of the
Supervisory Board
40 years of multinational
experience in credit
International Director at Renault Crédit International,
CEO of Fiat Capital,
Deputy CEO in charge of Strategy and Development at Crédit Agricole Consumer Finance
Cornelius Walter
Member of the Supervisory Board
Impact investor committed to mitigating climate change & improving E2E food chains
23 years with McKinsey & Company in Germany and Hungary
Advised financial institutions, energy companies and clients in a broad range of other industries on growth strategies and large-scale transformations as a Senior Partner
Helped build McKinsey’s presence in Central and Eastern Europe (CEE), served as Managing Partner of McKinsey in Central Europe and, before that, as Managing Partner of McKinsey’s Budapest office
Bertrand Gossart
Founder,
Member of the Supervisory Board
25 years of multinational experience in consumer finance and retail banking
CEO in Poland, Russia, Kazakhstan
Renault Crédit International, Cetelem, Société Générale, Alliance Bank, Eurasian Bank, Capital Bank
Louis Chauvel
Member of the Supervisory Board
30 years of experience in quantitative, structural and behavioral social sciences
Professor at the University of Luxembourg
Management team
Laurent Clerc
Founder, President of the Management Board
25 years of multinational
experience in loan
management
20 as origination
and management
solutions provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus
Expert in risk
management
RCI, BNP Paribas Personal Finance
Matthieu Job
Founder, Member
of the Management Board, CEO of Circeo Hungary
20 years of multinational
experience in retail banking
Loan origination
and management
systems provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus
Societe Generale
Bálint Horváth
Founder, Member of the
Management Board,
President of Circeo France
20 years of multinational
experience in
consumer finance and
retail banking
CACF Hungary,
France, Saudi Arabia
Loan origination
and management
systems provider in
Western, Central and
Eastern Europe, as
well as Central Asia
and the Caucasus
Andre Bonfiglioli
UK Representative,
Commercial Manager
35 years of
multinational
experience in
Consumer Credit and
Retail Banking
Business Leader /
CEO / COO in UK,
Italy, Spain, Taiwan,
Ukraine, CEE
International Director
American Express,
BNP Paribas Personal Finance, UniCredit
Sándor Ungvári
Founder,
Chief Technology Officer
15+ years of experience in software development and operation
10 years at the retail lending solution for OTP Bank Hungary
Implementation projects in Western, Central and Eastern Europe, as well as Central Asia and the Caucasus
Expert in cloud native SaaS solutions
CONTACT US
Mijail Carpio
Sales Manager
Western Europe / LATAM
T +33 6 01 25 20 16
mijail.carpio@circeo.today
Paris, France
Jerzy celichowski
Sales Manager, Central Eastern Europe / Asia
T +36 20 454 6548
jerzy.celichowski@circeo.today
Budapest, Hungary
Andre Bonfiglioli
Commercial Manager
United Kingdom
T +44 7740 257236
andre.bonfiglioli@circeo.today
