Consumer Credit
Integrated solution for consumer credit operations management.
Resulting from the architecture of the ACM suite, the consumer credit solution supports the processes of credit operations, either in synchronization with payment solutions or autonomously.
The solution manages the entire credit management chain, from marketing, simulation, customer on-boarding, decision, subscription, processing of interest and installments, printing and sending contracts and statements, to default management.
The operations covered range from the ordinary revolving card account, to current accounts, to personal financing in constant, increasing or decreasing installments, with grace periods, composite products, and articulated with the loyalty module.
It is a multi-currency system capable of managing indexed and fixed rates, with real-time calculation of APR and APR at all stages of the process in which they are necessary - simulation, rate parameterization, extraction or processing of new installments.
It has management information about the global portfolio, by product, product family, customer or contract.