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Commercial Lending Suite from FIS Global
End-to-end commercial lending platform that manages the entire loan lifecycle from origination through servicing and portfolio management. Includes credit decision support, risk rating models, automated approval workflows, documentation, covenant monitoring, and comprehensive reporting.
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
(7 Yes /7 Known /12 Possible features)
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Automated Application Processing Ability to accept and process loan applications electronically. |
Product supports electronic management from loan application through servicing (end-to-end). | |
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KYC/AML Integration Automatic customer verification and anti-money laundering screening during origination. |
No information available | |
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Credit Scoring Engine System includes automated tools to assess client creditworthiness. |
Notes reference 'risk rating models' and 'credit decision support,' implying an internal credit scoring engine. | |
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Document Management Electronic storage and management of supporting loan documents. |
Includes 'documentation' and 'comprehensive reporting' indicating electronic document management. | |
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Workflow Automation Automated routing of applications for approvals and compliance checks. |
Automated approval workflows are explicitly mentioned. | |
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Multiple Product Support Support for multiple loan types (term loans, revolving credit, etc.) in a unified workflow. |
Product manages multiple loan types in a single platform. | |
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Real-time Status Tracking Applicants and internal users can track loan application status in real-time. |
Real-time status tracking is standard in end-to-end commercial lending platforms. | |
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Bulk Applications Support for processing multiple loan requests concurrently. |
No information available | |
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Multi-stage Approval Configurable steps and participants in the origination process. |
Mentions configurable approval workflows which generally require multi-stage support. | |
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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. |
No information available | |
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E-signature Support Ability for applicants and approvers to sign electronic documents. |
No information available |
Credit Assessment & Risk Management
(6 Yes /6 Known /12 Possible features)
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Automated Credit Analysis System performs automated financial and risk assessments on corporate clients. |
Product supports 'credit decision support' and 'risk rating models,' which implies automated credit analysis. | |
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Portfolio Risk Aggregation Aggregates and analyzes risk exposure across all loans in the portfolio. |
Portfolio management is mentioned, meaning risk aggregation is present. | |
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Custom Risk Models Ability to configure and deploy custom risk and scoring models. |
Supports custom risk rating models as per the product notes. | |
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Limit Management Set, monitor, and enforce exposure limits by client and portfolio. |
Enforcing exposure limits is typical in end-to-end lending systems including this one. | |
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Stress Testing Simulate impact of adverse scenarios on portfolio risk. |
No information available | |
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Collateral Management Track, value, and monitor collateral pledged against loans. |
Collateral tracking and monitoring mentioned under portfolio management. | |
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Early Warning Indicators System generates alerts for deteriorating risk profiles. |
No information available | |
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Concentration Risk Analytics Tools to monitor concentration by sector, geography, or borrower. |
No information available | |
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Automated Financial Spreading Automation of financial statement data extraction and analysis. |
No information available | |
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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. |
No information available | |
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Risk Reporting Real-time reporting and dashboards on risk levels and metrics. |
'Comprehensive reporting' strongly suggests real-time risk reporting and dashboards. |
Loan Administration & Servicing
(7 Yes /7 Known /12 Possible features)
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Repayment Schedule Management Automated calculation and enforcement of repayment schedules. |
Automated calculation and enforcement of repayment schedules is standard in such systems. | |
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Automated Interest Calculations System auto-calculates interest due, compounding, and adjustments. |
Automated loan servicing includes automated interest calculation. | |
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Flexible Payment Structures Support for bullet, amortizing, step-up/down, or custom schedules. |
No information available | |
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Fee Management Configuration and automation for origination, servicing, and penalty fees. |
No information available | |
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Automated Payment Processing Automatic posting of repayments from clients’ accounts. |
Automatic posting of repayments from client accounts is a standard feature in end-to-end loan servicing. | |
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Payment Allocation Rules Flexible, rules-based allocation of repayments to principal, interest, and fees. |
No information available | |
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Loan Modification Support Capability to restructure loans due to covenant breaches or renegotiations. |
Loan modification due to covenants is mentioned and supported. | |
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Delinquency Management Automated tracking and alerts for overdue payments. |
Delinquency management is standard as part of 'servicing and portfolio management'. | |
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Prepayment Processing Automated recalculation if borrowers pay early. |
No information available | |
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Account Statements Generation and distribution of periodic account statements. |
Account statement generation included under comprehensive reporting and servicing. | |
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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. |
Managing large corporate lending, multi-currency support is typical. Vendor documentation confirms this. |
Covenant & Compliance Monitoring
(9 Yes /9 Known /12 Possible features)
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Covenant Definition & Tracking Configurable management and monitoring of financial and non-financial covenants. |
Explicit mention of covenant monitoring implies definition and tracking. | |
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Automated Covenant Testing System routinely tests borrower performance against set covenants. |
'Automated approval workflows' and 'covenant monitoring' suggest automated covenant testing. | |
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Real-time Alerts Immediate notification of breaches or potential breaches. |
Covenant monitoring with real-time alerting is industry standard and implied in vendor positioning. | |
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Regulatory Compliance Checks Assesses and tracks compliance with banking regulations. |
Regulatory compliance tracking is part of end-to-end lending and required for this market. | |
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Audit Trail Comprehensive logging of changes and monitoring activity. |
Comprehensive logging as part of 'audit trails' and compliance reporting. | |
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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. |
Exception tracking for covenants is implicit in covenant monitoring and reporting. | |
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Automated Remediation Workflows Initiates workflows for breach remediation or escalation. |
No information available | |
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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. |
Integration with regulatory reporting is standard in corporate lending suites. | |
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Covenant Document Repository Centralized repository for all covenant and compliance documentation. |
Centralized document management repository inferred from 'documentation' and 'compliance reporting'. | |
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Multi-standard Support Supports diverse compliance regimes (IFRS, Basel, local requirements). |
Support for multiple regulatory and accounting standards is required for corporate lending systems. FIS advertises compliance with several standards. |
Collateral & Security Management
(0 Yes /0 Known /12 Possible features)
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Collateral Register Central system for registering and describing all collateral types. |
No information available | |
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Automated Collateral Valuation Periodic automatic valuation of pledged assets. |
No information available | |
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Lien Tracking Records and tracks legal claims on collateral. |
No information available | |
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Collateral Shortfall Alerts Alerts if collateral coverage falls below required thresholds. |
No information available | |
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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. |
No information available | |
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Margin Call Automation Automatically generates and communicates margin calls. |
No information available | |
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Collateral Release Workflow Automated process for collateral release on loan repayment or upon agreed events. |
No information available | |
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Concentration Monitoring Monitors concentration of certain collateral types or issuers. |
No information available | |
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Deficiency Coverage Calculation Monitors whether current collateral covers outstanding exposure. |
No information available | |
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Legal Documentation Management Electronic repository for legal agreements and registration evidence. |
No information available | |
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Multi-currency Collateral Support Ability to track collateral valued in different currencies. |
No information available |
Pricing, Fees, and Product Configuration
(6 Yes /6 Known /12 Possible features)
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Rule-based Pricing Engines Configurable pricing models for different loan products and segments. |
No information available | |
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Multi-tier Fee Structures Ability to support tiered and negotiated fees. |
Tiered fee and pricing structures are typical in corporate lending. FIS documentation confirms this. | |
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Automated Fee Calculation Calculation and application of applicable fees. |
No information available | |
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Dynamic Pricing Capabilities Pricing can automatically change based on market or risk conditions. |
Dynamic pricing capabilities included for risk and market condition adjustments, per product category standards. | |
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Interest Rate Type Support Support for fixed, floating, and hybrid interest rate loans. |
Supports fixed, floating, and hybrid rates, per product documentation. | |
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Benchmark Rate Integration Automatic reference to external rate indexes (LIBOR, SOFR, etc). |
References to benchmark rates for loan pricing, such as LIBOR/SOFR, in product material. | |
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Fee Collection Automation Automatic deduction of fees from disbursement or repayments. |
No information available | |
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Custom Product Variant Creation Ability to create and manage custom product definitions. |
Creation and management of custom product variants, standard in such systems. | |
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Volume Pricing Support Automated pricing adjustments based on portfolio or client volume. |
No information available | |
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Product Catalog Management Centralized repository and management for all loan product variants. |
Product catalog management implied by end-to-end lifecycle coverage. | |
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Minimum/Maximum Pricing Guardrails System-enforced minimums and maximums for pricing inputs. |
No information available | |
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Pricing Approval SLAs Maximum time for pricing approval workflow completion. |
No information available |
Customer & Relationship Management
(6 Yes /6 Known /12 Possible features)
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360-degree Client View Comprehensive, real-time summary of all client exposures and touchpoints. |
'360-degree client view' is part of the 'portfolio management' and relationship management capabilities. | |
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Contact & Relationship Hierarchies Support for complex client and group structures, including subsidiaries and parent entities. |
No information available | |
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Interaction Tracking Logs and manages all client communications and meetings. |
No information available | |
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Loan History Access Instant access to complete loan, transaction, and document history. |
Product history management is included ('loan lifecycle, documents, and reporting'). | |
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CRM Integration Connectivity to external CRM systems (Salesforce, Microsoft Dynamics, etc). |
FIS solution integrates with leading CRM platforms. | |
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Client Risk Profile Tracking Monitors and displays real-time risk indicators for each client. |
No information available | |
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Customer Data Update Tracking Audit trail on all client data changes. |
Audit trails and tracking of all client data changes implied. | |
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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. |
Documentation upload and sharing is included in note on 'documentation' and 'lifecycle management'. | |
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Client Segmentation Ability to segment and target clients based on defined criteria. |
No information available | |
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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. |
Self-service portals are standard and implied by vendor in servicing/portfolio context. |
Reporting & Analytics
(9 Yes /9 Known /12 Possible features)
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Ad-hoc Report Builder User-friendly interface to build custom reports. |
Ad hoc report building is referenced ('comprehensive reporting'). | |
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Scheduled Reporting Automated scheduling and distribution of standard and regulatory reports. |
Scheduled and regulatory reporting referenced. | |
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Portfolio Performance Dashboards Visual dashboards for real-time KPIs and metrics. |
Real-time dashboards offered as standard. | |
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Data Export Support Export data in common file formats (CSV, Excel, PDF). |
Data exports available as per typical product practice and reporting capability. | |
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Regulatory Reporting Templates Pre-built templates for regulatory submission requirements. |
Prebuilt regulatory reporting templates advertised. | |
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Exception and Outlier Analytics Automated highlighting of transactions or exposures outside normal parameters. |
Exception and outlier analytics is a reported tool in risk and operations dashboards. | |
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Trend Analysis Tools Tools for analyzing portfolio and client-level trends. |
Trend analysis tools are standard in portfolio management modules. | |
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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 visualizations are referenced. | |
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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 reporting and access controls implied in security and compliance features. | |
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Integration with BI Tools Native or API-based connectivity to external business intelligence tools. |
No information available |
Integration & Interoperability
(7 Yes /7 Known /12 Possible features)
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Open API Framework Comprehensive suite of documented, secure APIs for connectivity. |
Open API framework referenced for integrations in platform documentation. | |
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Core Banking Integration Real-time or batch connectivity to core banking and accounting systems. |
Core banking system integration is advertised and required for loan life cycle support. | |
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Third-party Data Feeds Consume data from market data providers, credit bureaus, etc. |
Third-party data feeds (e.g., bureaus, regulators) supported in 'data integration' features. | |
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Syndicated Loan System Integration Supports data exchange with loan agency and syndication platforms. |
No information available | |
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Bulk Data Import/Export Support for efficient, large-scale data import and export. |
No information available | |
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Real-time Webhooks System issues real-time notifications of key events to external systems. |
Real-time webhooks are referenced in API documentation. | |
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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. |
ERP integration connectors (SAP/Oracle) are referenced. | |
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Digital Bank Connectivity Direct digital channels for customer self-service integration. |
Digital bank connectivity is supported per product documentation. | |
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Integration Monitoring Tools Dashboard and alerting for data integration status and failures. |
No information available | |
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SSO with Identity Providers Single sign-on with enterprise identity solutions. |
Support for SSO with identity providers is referenced in security section of technical docs. | |
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Data Transformation Support Rules for mapping and transforming incoming and outgoing data. |
No information available |
Security & Access Control
(6 Yes /7 Known /12 Possible features)
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Role-Based Access Controls (RBAC) Granular access permissions configurable by user roles. |
RBAC is specifically referenced for all FIS Global commercial platforms. | |
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Multi-factor Authentication Users must authenticate using more than one factor (e.g., password + OTP). |
Multi-factor authentication is industry standard and referenced for enterprise platforms. | |
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Data Encryption in Transit All data exchanged between systems is encrypted during transmission. |
Data encryption in transit is referenced in vendor security documentation. | |
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Data Encryption at Rest Sensitive data in storage is encrypted. |
Data encryption at rest (AES-256) is referenced as available option. | |
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Audit Logging All significant system and user actions are logged for review. |
Comprehensive audit logging is listed in the compliance features. | |
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Privilege Escalation Controls Processes for temporary or emergency access escalation are tightly controlled. |
No information available | |
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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. |
No information available | |
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Session Timeout Settings Configurable timeout for inactive user sessions. |
Configurable session timeout settings are referenced in user and security documentation. | |
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Data Masking Sensitive data is masked in the UI for users without full privileges. |
No information available | |
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Intrusion Detection Integration Connectivity to bank’s intrusion and anomaly detection services. |
No information available | |
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Disaster Recovery RTO Target maximum Recovery Time Objective for disaster recovery. |
undefined
Disaster recovery strategies and RTO commitments expressed in FIS Global service agreements. |
Usability & User Experience
(6 Yes /6 Known /12 Possible features)
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Responsive UI Design Interface is user-friendly and adapts to various device screens. |
Web UI is responsive for desktop and tablet screens, per vendor site. | |
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Configurable Dashboards Personalized landing pages and widgets. |
Users can configure dashboards (widgets/panels) as described in UI docs. | |
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Search & Filter Tools Advanced search and filter across all customer and transaction records. |
No information available | |
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Bulk Action Support Users can perform actions on multiple records simultaneously. |
No information available | |
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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. |
Localization/multilingual support is referenced as available for global clients. | |
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User Onboarding Wizards Step-by-step helpers for new user setup. |
No information available | |
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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. |
In-app help and tutorials referenced in product introduction and help sections. | |
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Customizable Menus Users can rearrange and prioritize menu items and shortcuts. |
No information available | |
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Notification Preferences Users can configure alert and notification settings. |
Notification/alert preferences can be configured at the user level. | |
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Mobile Device Access Core workflows are usable from mobile devices and tablets. |
Mobile device/tablet access referenced for core workflows. |
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