Theta ORIGINS is our flagship system, a comprehensive retail loan origination system encompassing the end-to-end customer and employee journey. Theta ORIGINS is highly configurable and can be customised for different customer’s unique requirements.
Straight Through Process
Digital Application & Onboarding
Automated Credit Rules
Support Risk-based Pricing
Data Analytics with Dashboards
Integration with Credit Bureau & Core Banking System
Predictive Collateral Valuation
Responsive UI to ease data capture with alternative standard APIs to accept data directly from channels or front-end solutions.
Full integrated to bureaus to assess bankability of customer to improve effectiveness.
Cross-sell, up-sell or down-sell to increase the top-line of the bank.
Straight-through decision with ability to automatically route refer case to person with appropriate authority.
Codified decision tree, table and rules with deviation and exception code for reporting.
Supports multi-stage approvals as well as committee approval for large loans.
Straight-through customer and account creation to core banking system with subsequent limit activation for revolving facility.
Dynamic checklist to ensure pre-disbursement conditions are fully met prior to each stage of drawdown.
Relationship based application with automated aggregation of single customer and group exposure overview.
Simulation of stress scenarios of the companies with peer comparisons with visualization.
Cascading of company and financial information for automated qualitative and quantitative ratings.
Automated document generation with the ability to customize specific clauses for exceptions or campaigns.
Full integrated to DocuSign for E-signature for fulfillment.