Realizing an integrated operation mode for mobile business expansion.
Pre-loan InvestigationPre-loan investigation involves manual offline data collection and subsequent system entry, resulting in low efficiency and high labor costs. Most materials are photocopies, lacking structured data, which hinders the use of quantitative analysis tools. The absence of customer samples makes it impossible to establish quantitative scoring models.
Loan ApprovalThe entire loan approval process relies on manual operations, requiring extensive review of paper-based documents, which is time-consuming and labor-intensive. The approval workflow lacks flexibility, and low-risk businesses do not support automated approval.
Contract Signing & DisbursementBanks must conduct face-to-face contract signings with customers, leading to severe manpower shortages during peak business periods. Disbursement relies on paper-based contracts, complicating review and management processes and reducing efficiency.
GienTech Mobile Credit System employs scenario-based risk control, model risk control, and big data risk control technologies to achieve more precise business risk management. It helps customers build fully online products, standardizes, digitizes, and streamlines small and micro credit operations, integrates front, middle, and back-office processes, digitizes workflows, enhances risk control model intelligence, eliminates paper-based documentation, improves operational efficiency, reduces labor costs, and enhances user experience.
- Customer Management
Full lifecycle management of individual and corporate customers, with precise customer mapping and location-based targeting.
- Task Management
Tasks are categorized based on user permissions and processing status into a task pool, pending queue, and completed queue. This unified classification enables fast and accurate task retrieval and streamlined workflow management.
- Notification Management
Manually initiate announcements and manage system-generated batch reminders.
- Marketing Management
Head offices create marketing plans to guide branches in targeting specific customer groups, industries, business districts, and regions through door-to-door marketing, list-based marketing, retention marketing, and online marketing.
- Marketing Map
Map-based tagging of customers during marketing campaigns and grid-based marketing management.
- Credit Approval Application
Supports multiple business models and product types, enabling product-driven investigation workflows. Features include configurable investigation templates, progressive investigation processes, automated task assignment, structured investigation results, image capture, voice recording and archiving, as well as location tracking via tablets.
- Business Processing
Supports multiple business models driven by product-specific investigation modes. Features flexible survey template configuration, progressive investigation workflows, automated task assignment, structured investigation results, image/audio recording, and Pad location tracking.
- Post-loan Management
Post-loan task assignment system allocates duties to account managers for post-loan investigations, supporting mobile-based review and approval.
- Collection Management
Generates collection tasks based on overdue days and customer risk alerts, pushing them to account managers. Includes collection registration, photo evidence uploads, call logs, SMS records, and visit records.
- Business Inquiry
Provides a variety of visualized charts and dashboards, enabling multi-dimensional inquiry across the full lifecycle ledger of loan operations.
- Digital Workflow
Combines mobile operations and online platforms to form an end-to-end business chain, achieving integrated mobile credit workflows through the MDAP technology platform.
- Big Data & AI Risk Control
Overcomes traditional risk control limitations in small/micro loans, leveraging advantages for small amounts, high volume, and fast processing, combined with advanced risk control rules, models, and strategies.
- Rapid Product Innovation
Enables automated product customization via a product factory, with pre-configured common products for immediate deployment.
- Intelligent OCR Recognition
Financial statements are digitized through OCR technology, covering the majority of industry-specific formats. The system achieves over 98% accuracy in statement recognition and over 96% accuracy in account item matching, with built-in support for cross-verification to ensure data reliability.
- Multi-channel Service Capabilities
Supports diverse channel integration through open APIs, SDKs, and SaaS services, enhancing customer experience.
- Customer Refinement Management
Enables differentiated customer management through data collection, tagging, and risk control rules.
