LoanApp |
Online solution for managing the entire workflow in retail crediting, from data collection and recording, risk decision-making automation, installment calculation and document generators. |
Products
Ingenio has developed a comprehensive portfolio of products that encompasses a varied array of competences. Since the company was founded, in 2004, Ingenio has sought to integrate the latest technologies into its products, making them more flexible and more customizable in order to meet clients’ needs and requirements and provide competitive advantages.
Automation
LoanApp is developed specifically to support loan application processing needs for both banks and financial institutions. The application consists of a complete framework for the loan origination processes, which is personalized for each bank from the configuration layer.
LoanApp Micro & SME |
Application that covers the entire process of credit approval for microenterprises |
Ingenio LoanApp Micro & SME is an application for automating retail lending for Micro companies and Small and Medium Sized Enterprises. Ingenio Software has developed this software application for streamlining the flow of approving/rejecting loan applications, minimizing the time needed for an application analysis and focusing on eliminating additional expenses.
Forced Execution Management |
An application that gathers and manages data on debtors, executors and assets and oversees the entire execution process, from assignment to termination |
In order to optimize the recovery process in forced execution cases for banks and financial institutions, Ingenio has developed the Forced Execution Management Tool, an application that gathers and manages data on debtors, executors and assets and oversees the entire execution process, from assignment to termination.
Multi-Channel
POS Software Development |
Our team can develop a customized application to manage multiple applications on a single smart card |
Ingenio is able to provide EMV migration consulting and allow banks to issue and manage a wide range of chip card based applications. Our team can develop a customized application to manage multiple applications on a single smart card not only for EMV applications, but also POS electronic payment applications, PKI, and Loyalty. We have implemented a bill payment module, an installment module and prepaid e-vouchers, as well.
POS Distribution |
Ingenico Partner |
Ingenio has partnered with Ingenico, a leading provider of payment solutions, in order to supply the most recent and most advanced POS equipment for the Romanian market. Ingenio is a distributor for the most widely used Ingenico POS terminals and tools.
SmartTel Mobile Banking |
SmartTel is a mobile banking service developed by Ingenio that provides a banking portal and also protects the client against possible fraud attempts. |
SmartTel is the first mobile banking service on the Romanian market and the established leader since 2000 in the market share for active users.
Risk Management
Fraud Management Tool |
The Fraud Management Tool is able to detect frauds and fraud patterns in real time and triggers a configurable set of actions for effective fraud combating. |
Fraud Management Tool is an application based on neural networks, the most advanced technology for pattern recognition. Our process analysis is made by specialized resources with risk and antifraud certification and training.
Scorecards |
Uses applicant/customer data to statistically assess the likelihood of a positive outcome to any financial risk. |
Credit scoring uses applicant/customer data to assess statistically the likelihood of a positive outcome to any financial risk. Credit scoring is based on the premise that behavior of new applicants for credit will closely resemble that of similar past applicants.
Security Integration |
Ingenio has developed competences in Security Integration (access, intrusion, video, fire and IT) |
Ingenio has developed competences in Security Integration (access, intrusion, video, fire and IT) and in Smart Grid (energy wise), working with leading security providers such as UTC Fire & Security and Gemalto.
Data processing
Systems Integrator |
Ingenio has developed extensive capabilities in solutions such as Oracle Siebel CRM, e-Business Suite, IBM Websphere portal through many successful projects. |
As an Oracle and IBM partner for many years, Ingenio’s team has developed the skills and know-how required for a successful implementation of major applications for banking and telecom. Ingenio has developed extensive capabilities in solutions such as Oracle Siebel CRM, e-Business Suite, IBM Websphere portal through many successful projects.
Segmentation |
Through the use of customer segmentation, Ingenio can help its customers improve their profitability, resource management and customer relationships. |
The neural decision system calculates accurate indicators, assessing the relevance of each characteristic, its specificity and the degree of dispersion for the values taken by this field, which eventually leads to increased scorecard performance.