The ApPello Loan Management application can cover the full lending process, from the first client contact until the payment of the last installment or the collection, focusing on risk management and the appropriate client contact.

The solution automates the client scoring, decision preparation, contracting, disbursement and repayment processes related to any retail or corporate lending operation. The aim of the system is to provide a fully comprehensive transaction and information registration application, and thus make the work of the bank officers more efficient while handling the credit process, both on the front- and on the back-office side.

The ApPello Loan Origination application increases significantly the efficiency of the loan evaluation process, shortening the time-to-cash period as well. The solution puts a great emphasis on risk management; it is able to support or even automate the credit decisions based on our own Scoring application or based on the information received from the existing rating system of the Bank.

During the process compliance with all bank and regulatory requirements is ensured and the handling of data is easy and transparent, so the solution can significantly reduce the resource needs. The handling of clients – even individually - is an important part of the system, which also supports banking sales activities.

The ApPello Credit Scoring System is designed to provide a uniform, demand-driven solution for the automated credit scoring of various client segments of financial institutions.

The strength of the application lies in its openness and flexibility. Credit Scoring is capable of taking the input data necessary for the scoring process from the other systems of the bank, while the final output generated as a result of the scoring workflow can be used by any connected application.

The ApPello Collateral Management solution helps the work of financial institution’s lending and risk management departments by automating the workflows related to collateral management. It can fully support all the registrations concerning the collaterals and can also do calculations for basic and alternative allocation methods.

The application provides widespread possibilities for the configuration of collaterals, the parameterisation of M:N loan-collateral relations, and the actualisation of coverage calculations, as well as regular revaluations. The system, regarding its functionality, meets the requirements of the Basel II directive.

The solution covers the tasks related to the handling of warning signals and the regular monitoring tasks related to clients, loans and other exposures. Besed on different criteria it can generate early warnings and follow-up the selected cases based on these.

The aim is the early screening of the problematic clients / transactions, thus providing the opportunity to prevent bad debts.

The aim of the ApPello Collection System is to provide a toolset fully covering all the processes related to collection at any financial institution. The Solution is able to handle all the related tasks, data sources and can adapt to the changing market expectations easily, cost effectively and without the need of involvement of external resources.

The solution can manage the whole life cycle of collection, starting from the early warnings / monitoring and credit blacklist connection, through the phone/SMS/e-mail based contacts, and provision management, until the sale of assets and the measurement of efficiency.

The ApPello Branch Teller application provides solutions for the complex needs related to cashier services and cash management. In addition to traditional teller functionality, the application also offers various other services that a modern financial institution organising its work processes at a high standard is likely to expect. These include, among other things:

The functionality of the Branch Teller cashier’s system is very wide-ranging, highly transparent for its users, and the individual processes can be tracked easily. The implementation is prepared to work with on-line link to the core banking system, which means that the branch teller’s cash turnover is reflected in the bank’s central files in the shortest possible time.

Only an integrated electronic solution can provide a satisfactory solution to meet the business requirements of cash optimisation. The demand to radically reduce cash on stock requires the authorized staff members to have access to current information at any time and forward these to the appropriate places without delay.

The ApPello Cash Management program package facilitates the intelligent handling of active information and allows considerable reduction in cash stocks.

The ApPello Small Banking system is able to cover the main bank account management and back office processes. The integrated solution can work as a standalone application at any financial institution, but its modules can also be implemented one-by-one into any existing banking environment.

Thanks to its modularity and scalability the solution is working successfully in its full configuration at small/medium financial institutions, while some of its modules work together with 3rd party systems at leading commercial banks.