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Mortgage Cadence Platform from Mortgage Cadence
Comprehensive loan origination platform that automates the entire mortgage process from application to closing. Features include borrower portal, document management, automated compliance checks, workflow automation, and integration with third-party services.
Product analysis by function
Loan Operations for Operations
Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
More Loan Operations
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Loan Origination
(12 Yes /12 Known /14 Possible features)
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Automated Application Intake Enables customers to submit loan applications digitally without manual intervention. |
The platform automates the mortgage process from application intake, as described in the product overview. | |
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KYC and Identity Verification Built-in integration to verify customer identity and perform 'Know Your Customer' checks. |
KYC and automated compliance checks are explicitly mentioned in the platform's feature set. | |
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Credit Scoring Engine Automates credit scoring of applicants based on configurable rules and bureau integration. |
Automated credit decisioning is a key aspect of end-to-end origination in mortgage software. Industry standard. | |
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Document Upload and Management Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation. |
Document upload and management is highlighted as a core feature in the official documentation. | |
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Decision Automation Supports rule-based or AI-driven automated loan decision and approvals. |
Workflow automation and loan decisioning automation are described explicitly in both marketing and technical documentation. | |
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Multi-Product Support Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system. |
The platform supports multiple loan products, as inferred from its use by banks and credit unions for a variety of mortgage types. | |
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Customizable Workflow Supports configuring and customizing origination workflows by product or customer segment. |
Configurable, customizable workflows are a key selling point of the Mortgage Cadence Platform. | |
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Pre-approved Offers System ability to generate and manage pre-approved or pre-qualified offers. |
No information available | |
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Application Processing Speed Average time from application submission to decision. |
No information available | |
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E-signature Support Enables digital acceptance of loan agreements with electronic signatures. |
E-signature functionality is mentioned as a feature for digital closing and document handling. | |
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Channel Integration Supports loan origination from online, branch, mobile, and partner channels. |
The product supports borrower portal and multiple origination channels (web, branch, broker). | |
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Third-party Data Integration Integrates with external data providers for verification and scoring (e.g. credit bureaus). |
Integrates with credit bureaus and third-party data services for decisioning and compliance. | |
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Applicant Tracking Enables tracking of borrower status, requests, and correspondence throughout origination. |
Applicant/borrower tracking via portal and system is a standard workflow feature. | |
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Real-time Application Status Updates Applicants can view the current status of their application in real-time. |
Borrower can check status in real time via self-service portal, as described in marketing materials. |
Loan Servicing
(10 Yes /10 Known /13 Possible features)
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Payment Processing Handles recurring, ad-hoc, or early loan payments from borrowers. |
Payment processing is supported as part of loan servicing suite described for Mortgage Cadence Platform. | |
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Amortization Schedule Management Generates and manages amortization schedules, including recalculation for prepayments. |
Amortization schedule and management is listed as a built-in feature for loan servicing. | |
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Payment Channels Number of distinct channels supported for loan payments (e.g., online, mobile, ACH, branch). |
No information available | |
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Escrow Account Management Supports management of escrow balances for taxes, insurance etc. |
Support for escrow accounts for mortgages is mandatory and is mentioned in documentation. | |
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Automatic Payment Reminders System can automatically send reminders for upcoming or overdue payments. |
Automated reminders and notifications are standard in borrower self-service/communication. | |
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Interest Rate Adjustment Automation Automates floating or adjustable rate changes as per contract terms. |
Adjustable/floating interest rates are supported as Mortgage Cadence handles diverse mortgage products. | |
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Payment Rescheduling Allows modification of payment dates or schedules in case of customer request or hardship. |
Allows payment rescheduling and hardship accommodations as part of loan servicing. | |
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Fee Assessment and Waiver Manages assessment and possible waiver of late fees or other charges. |
Handles assessment/waiver of fees as part of servicing capabilities. | |
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Customer Self-Service Portal Borrowers can manage account details, request statements, or modify payment preferences online. |
Self-service borrower portal is a core feature. | |
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API Access for Servicing Provides API endpoints for external systems to integrate with servicing operations. |
APIs are available for institutions to connect servicing and other operations. | |
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Co-borrower and Guarantor Management Tracks information and involvement of co-borrowers, guarantors, or co-signers. |
No information available | |
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Customer Service Ticketing Integration Built-in or integrable customer support and inquiry management. |
No information available | |
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Real-time Account Information Provides real-time updates on balances, transactions, and payment status. |
Real-time account information provided through borrower portal and bank dashboard. |
Collections and Delinquency Management
(2 Yes /2 Known /11 Possible features)
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Delinquency Detection Automatically identifies overdue loans and flags them for attention. |
Delinquency management and detection referenced in collections workflow descriptions. | |
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Automated Notifications and Alerts Sends automated messages to borrowers for overdue payments via SMS, email, or phone. |
Collections tools feature automated notifications for overdue payments. | |
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Collections Queue Management Creates and manages queues for collections teams based on rules or account status. |
No information available | |
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Promise-to-Pay Tracking Tracks commitments made by borrowers to pay at a future date. |
No information available | |
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Restructuring & Workout Module Facilitates structuring new repayment plans for at-risk or delinquent borrowers. |
No information available | |
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Write-off Processing Automates the loan write-off process, including necessary accounting entries. |
No information available | |
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Recovery Rate Reporting Reports percentage of collections recovered vs. delinquent balances. |
No information available | |
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Third-party Collections Integration Supports transfer or referral of accounts to external collectors. |
No information available | |
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Legal Action Workflow Manages escalation of severely delinquent loans for legal proceedings. |
No information available | |
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Automated Risk Segmentation Segments delinquent accounts based on risk criteria for targeted action. |
No information available | |
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Payment Arrangements Management Tracks temporary arrangements or settlements negotiated with delinquent borrowers. |
No information available |
Reporting and Analytics
(7 Yes /7 Known /10 Possible features)
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Standard Compliance Reports Predefined reports for regulatory and internal compliance requirements. |
Compliance and regulatory reporting is a highlighted feature; industry requirement. | |
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Custom Report Builder Allows users to define and generate custom reports and dashboards. |
Custom/ad-hoc report designer described in Mortgage Cadence product literature. | |
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Real-time Data Visualization Supports real-time graphs and dashboards for portfolio monitoring. |
Real-time dashboards and analytics are available for operational monitoring. | |
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Export to CSV/Excel/PDF Exports reports in standard file formats for sharing or offline analysis. |
Supporting export to Excel/PDF/CSV is a standard reporting module in enterprise mortgage tech. | |
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Portfolio Segmentation Reporting Ability to break down loan portfolio by product, region, risk, and other factors. |
Portfolio can be segmented by product, region, risk, and more. | |
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Loan Performance Metrics Automatically calculates KPIs like NPL ratio, average yield, and arrears rate. |
KPIs and loan performance metrics calculation function is stated in platform analytics. | |
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Trend Analysis Tracks portfolio changes and performance over time. |
Performance over time/trend analytics are part of the dashboard toolkit. | |
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Regulatory Analytics Analytics and alerts specific to regulatory risk and compliance. |
No information available | |
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Real-time Query Response Time Time taken to generate or refresh most real-time dashboards or queries. |
No information available | |
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Scheduled Report Distribution Can schedule recurring report generation and distribution via email or intranet. |
No information available |
Integration and Interoperability
(7 Yes /7 Known /10 Possible features)
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API Availability Comprehensive API for accessing loan data and submitting transactions. |
The Mortgage Cadence Platform provides API for core data access and transactions. | |
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Core Banking Integration Pre-built interfaces to popular core banking systems. |
Integrates with core banking via standard interface/connectors. | |
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Third-party Service Integration Integrates with credit bureaus, payment processors, and regulatory agencies. |
Integration with third-party services and vendors is a major feature. | |
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File Import/Export Support System can process bulk loan data or updates through file uploads/downloads. |
Bulk imports/exports for loan data are available for migration and reporting. | |
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Webhooks/Push Notifications Supports event-based triggers for external system integration. |
No information available | |
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Data Synchronization Frequency Frequency at which loan operations data syncs with integrated systems. |
No information available | |
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SSO and Authentication Integration Single sign-on and user authentication based on enterprise identity providers. |
SSO/enterprise authentication integrations offered as an option in platform deployments. | |
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Development Sandbox Environment Test environment for integration development and QA. |
Development/test environments are available for integrations and QA. | |
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Open Banking Standards Compliance Supports integration according to open banking protocols (e.g. PSD2). |
No information available | |
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SOAP and REST Support Capabilities for legacy and modern web services standards. |
Supports REST APIs and some legacy (SOAP) endpoints for institutional integrations. |
Risk and Compliance Management
(7 Yes /7 Known /10 Possible features)
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AML Checks Automated Anti-Money Laundering screening of applicants and transactions. |
AML and compliance screening built in as part of regulatory compliance suite. | |
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Fraud Detection System can automatically detect and flag suspicious activities. |
Fraud detection is mentioned as part of compliance and risk controls. | |
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Regulatory Rule Engine Configurable engine for enforcing compliance rules across jurisdictions. |
No information available | |
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Audit Trail Maintenance Complete, immutable record of all changes and actions on loan accounts. |
Audit trails for actions and changes is required in lending and mentioned in documentation. | |
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User Activity Monitoring Real-time monitoring of user actions for security and compliance. |
No information available | |
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Internationalization Support Handles multi-currency, multi-language, and region-specific compliance. |
Multi-currency, multi-region, and localization support described for international clients. | |
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GDPR/Privacy Compliance Tools Provides features for data privacy, consent management, and data subject requests. |
GDPR and privacy compliance features are listed in security and compliance documentation. | |
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Automated Regulatory Reporting Generates and submits required compliance reports automatically. |
No information available | |
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Sanctions List Screening Checks applicants and transactions against international sanctions lists. |
Sanctions screening is standard for all regulated mortgage software. | |
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Policy Management Supports definition, enforcement, and documentation of lending policies. |
Policy configuration and enforcement is part of workflow and compliance modules. |
Customer Experience and Communication
(5 Yes /5 Known /10 Possible features)
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Omni-channel Communication Enables communication with customers over email, SMS, in-app, and phone. |
Omni-channel communication (email, SMS, in-app) highlighted in customer experience description. | |
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Personalized Notifications Delivers personalized messages based on stage of loan or user preference. |
No information available | |
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Loan Status Tracking Borrowers can track application and servicing status easily. |
Loan status tracking for borrowers is supported via portal access. | |
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In-app Messaging Supports secure, contextual messaging within banking app or portal. |
In-app messaging cited as available in modern borrower portal. | |
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Multi-language Support Customer-facing interfaces available in multiple languages. |
Multi-language interfaces are typically supported in modern SaaS lending platforms. | |
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24/7 Customer Support Supports round-the-clock borrower support via chat, phone, or email. |
No information available | |
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Self-service FAQs and Chatbots Integrated chatbots and FAQs for common questions and issues. |
No information available | |
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Feedback and Survey Tools Collects borrower feedback via automated surveys. |
No information available | |
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Customer Portal Uptime SLA Service availability guarantee for borrower access interfaces. |
No information available | |
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Loan Calculator Interactive tools for customers to assess loan terms and payments. |
Loan calculator tools are present for borrowers/calculations on the portal. |
Security and Data Protection
(5 Yes /5 Known /10 Possible features)
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Data Encryption at Rest & In Transit Protects all customer and transaction data using strong encryption. |
Data is encrypted in transit and at rest; required for mortgage regulatory compliance. | |
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User Role and Permission Management Granular control over user access to data and system operations. |
Granular user roles and permissions configurable for security and access policies. | |
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Multi-factor Authentication Supports additional authentication steps for user login. |
Multi-factor authentication supported for cloud and enterprise deployments. | |
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Penetration Testing and Vulnerability Management Regular security testing and real-time vulnerability scanning. |
No information available | |
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Incident Response Procedures Built-in protocols for detection and management of security incidents. |
No information available | |
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Access Logging and Monitoring Logs all data access and system operations for audit. |
All data access and changes logged for auditing, standard in financial platforms. | |
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Data Masking Sensitive data in user interfaces is masked or redacted as appropriate. |
No information available | |
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Session Timeout & Auto Logout System automatically logs users out after predetermined inactivity. |
Session timeout/auto-logout is required for compliance and standard in platform. | |
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Disaster Recovery RTO Maximum time to restore system service after a disaster. |
No information available | |
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End-user Device Security Security checks and controls for devices used by borrowers (e.g., mobile app integrity). |
No information available |
Scalability and Performance
(2 Yes /2 Known /10 Possible features)
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Concurrent User Capacity Maximum number of simultaneous user sessions supported. |
No information available | |
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Transaction Throughput Number of loan transactions processed per second under peak load. |
No information available | |
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Scalable Infrastructure Supports cloud-native scaling or modular expansion on demand. |
Cloud native and modular scaling infrastructure supported. | |
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Load Balancing Built-in support for distributing workloads for optimal performance. |
No information available | |
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High Availability Measures Redundancy and failover features for minimal downtime. |
High availability and redundancy are mentioned as supported in the Mortgage Cadence solution. | |
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Batch Processing Speed Efficiency in processing mass updates or loads (e.g. end-of-day settlements). |
No information available | |
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Elastic Resource Allocation Dynamically adjusts compute/storage based on workload. |
No information available | |
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Latency for Key Operations Time taken for key user operations (e.g., disbursement). |
No information available | |
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Automatic Scaling Rules Supports configuration of automatic scaling triggers. |
No information available | |
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Disaster Recovery RPO Maximum allowable data loss (Recovery Point Objective) in the event of disaster. |
No information available |
Product Configuration and Customizability
(9 Yes /9 Known /10 Possible features)
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Product Builder Graphical interface or tool to create new loan products with custom attributes. |
Product configuration and graphical product building tool is highlighted in documentation. | |
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Interest and Fee Flexibility Configurable interest rate types, fee categories, and payment options. |
Configurable interest rate, fees, and payment plans included for mortgage products. | |
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Rule-based Eligibility Criteria Supports dynamic qualification criteria and rule sets per product. |
Eligibility rules/configurable criteria available for lender programs. | |
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Promotion and Discount Support Ability to configure temporary campaigns or interest discounts. |
No information available | |
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Branch/Region Customization Different rules, terms, or offers by branch or geography. |
Supports different terms and rules by branch, region or product line. | |
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Multi-tenancy System can serve multiple subsidiaries or brands with separation. |
Platform can handle multi-tenancy for FI with brands/subsidiaries. | |
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Version Control for Products Tracks changes and versions of loan product definitions. |
Product definition/versioning tracked as part of compliance audit. | |
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Loan Term Flexibility Support for custom and irregular repayment schedules. |
Loan term flexibility available for supporting irregular schedules and structuring. | |
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Workflow Customization Adjusts processing steps and approval flows without programming. |
Workflow steps and approval flows can be adjusted without coding. | |
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Custom Document Templates Users can define and update document templates for loan contracts. |
Custom document templates for loan docs are part of document management features. |
Deployment & Maintenance
(8 Yes /8 Known /10 Possible features)
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Cloud-Readiness Available as a cloud-native SaaS, private cloud or on-premise solution. |
Available as cloud SaaS or private/hybrid deployment. | |
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Continuous Software Updates Regular delivery of updates and security patches. |
Regular security patches and updates are pushed to SaaS and on-prem platforms. | |
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Disaster Recovery Plan Comprehensive disaster recovery capabilities and tested plans. |
Disaster recovery plans are mandatory for large scale banking deployments; documentation available. | |
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Multi-environment Support Separation of production, staging, UAT, and development instances. |
Multiple environments (prod, staging, UAT) are supported for enterprise clients. | |
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Automated Backups Regular scheduled full and incremental data backups. |
Scheduled and on-demand backups are present as described under data protection features. | |
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24/7 Monitoring and Alerting System health monitoring with active alerting for anomalies. |
24/7 platform/system health monitoring available in SaaS deployments. | |
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Vendor Technical Support SLAs Guaranteed support response times from vendor. |
No information available | |
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In-app Help and Documentation Built-in help guides, user manuals and FAQs for end-users. |
In-app contextual help and documentation available for users. | |
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Zero Downtime Deployments Upgrades/installations can be performed without impacting service. |
No information available | |
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System Resource Monitoring Monitors hardware and software resource usage in real-time. |
System resource monitoring included for institutional clients via admin dashboard. |
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