Real Estate Credit
Simplify the customer journey, reduce the delays and costs of a case
Despite a lasting context of low interest rates, mortgage loans are a strategic product for banking establishments, offering a means of winning over or retaining new customers.
While the health crisis has replaced real estate purchase At the heart of the French savings strategy, the steps are still considered slow and tedious. The credit platform developed by Luminess, combining technical and business skills, allows simplify the customer journey, reduce processing times et reduce the costs of analyzing files.
Credit granting processes
Applicant information
BRAND
Charge
Returned
Project
Collection of supporting documents
Selfcare portal (supporting forms)
Open banking API
Digitization of paper mail
Capture emails with attachments
Document control
RAD / LAD
Validity rules for documents
Fraud detection
Video coding by our teams of experts
Completeness of files
Consistency rules
Document validation / rejection workflow
Analysis of the completeness of the files
Management of missing parts
qualification of the file
Configurable rules
Qualification report
File scoring
Automating Revenue Analysis
Automation of account statement analysis
Analysis of the remainder to live
Control of the entire value chain
Our platform makes it possible to simplify and streamline the user experience during credit granting process. Our expertise automation associated with technologies artificial intelligence as well as human supervision, coupled with those of our partners, simplify processes and guarantee the fight against fraud:
- Le Selfcare portal allows the borrower to upload the requested supporting documents.
- Personalized Open Banking API (DSP2) allow to integrate the automatic recovery of account statements.
- The Scoring engines automatically analyze the file and generate a prequalification report to facilitate the grantor's analysis and reduce processing times.
Customer Case
LFC Courtage
They put their trust in us
