event-driven business system the only complete i.t ... · oracle and ibm certified partner manager...
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WWW.CODIX.EUFRANCE BULGARIA USA TUNISIA VIETNAM MEXICO
designed with inspirationpowered by knowledge
We know your Business
Event-driven business system
The only completeI.T. solution For Leasing
Modern technology for efficiency improvement
Events based management of cases
ORACLE and IBM Certified Partner
Manager :
Ilia KIRILOV
SOPHIA
ANTIPOLIS
FRANCE
CODIX strategyEnrich the domain of product and
activities covered worldwide in
cooperation with current Clients
and on opportunity, and so
constantly improve the iMX
solution
Extend the countries covered in
cooperation with current Clients
or direct new Clients supporting
any needed standard interfaces
and local regulations, currently –
users in more than 40 countries
and iMX delivered in 24 languages
Only one
job:
FIXED-PRICE
SET UP
ofSystems
personalized
to our Client’s
needs
Implementation,
development and support
Implementation,
regional support
ISO 9001: 2008
Certification
Targets... and Solutions
Unix (AIX, HP/UX, Solaris), Oracle, Intranet / Extranet / Internet
Integrated CODIX tools:WP, Imaging, Telephony, Fax, E-mail, SMS
(Complex processes)
(Large number of cases )
Events based managementExpert system
AutomationQuality
Tools Integration
System integration
QUALITY MANUAL
ISO 9001: 2008
Certification
Quality management
Global functional coverage
Factoring Classical, Reverse, ILF,
ABL,SCF,…
Leasing Operating, financial, …
Consumer Finance
(Loans, Revolving,…)
Refunding
Credit insurance
Debt collection
iMX Leasing modules
Leasing Finance
Business
Functionalities
Images
12
3
45
6
78
9
Internal Access
Analysis
& Decisions
Expert System
iMX Tel
Fax
SMS
Accountancy
GeneratorInvoicing
APIs REST / SOAP
& interfacesWord processing
External Access
Re
al-tim
e c
om
mu
nic
atio
n (
we
b-p
ort
al, e
ma
ils, sm
s,
lett
ers
…)
Bro
kers
, cli
en
ts &
oth
er
part
ies
Op
era
tio
nal
ste
eri
ng
: D
WH
Leasing Business Functionalities
Client accounts management/ after sales operations /
asset maintenance
Prospecting(scoring, contract templates,..)
Risk management / Credit decision
Contractualization,Supply management
Invoicing / Payments
Pre-collection, early, lateand legal collection
Claims: asset damage / death /
unemployment & disability
Early termination / normal expiry (with or without purchase)
Re-lease / assets sales
Acc
ou
nti
ng
Data sources
Ta
sks, A
lert
s, W
arn
ing
s
to u
se
rs
Banks, Funding
Partners, Pick-up,
Insurers, Auditors,
maintenance platform,..
Web access
For clients,
suppliers,
Funding partners,
3rd parties,
Etc…
Onboarding and CRM support
Based on Expert System workflow, KYC, etc..:
Online application
Online chat
Online survey
Q&A
Scanned Document
Fax
SyntheticForm
Assets
Information E-mail Invoices
Fixed Data-----------Specific
Data
Lessor
Lessee
Supplier
Guarantor
Other thirdparties
User = Case Manager
Payments
Guarantees
Links
History
Output Text
Financing request
Contract Fees
iMX Case structure
Services
Insurances
GnG1 G2 G3
X groups
Y
rules
Routing Rules
Management Rules
Interfaces
Routing
Management
Texts
Paragraphs
Workflow
Calculation
Users
Expert System
Simulator
Expert System overview
SE Designer
E.S. result:action to carry out
(e.g.: phone, check, etc.)
User’s diary
Cases
«situations»
Cases
«pending»
Action decided by manager
ProcedureDetermination
ProblemTelephone
campaigns
Action
campaigns
Front to back leasing solution
Front
Middle
Back
Offer & asset catalogs
White labelling
Brokers & resellers
Clients self-service
Multi-simulations
Contract terms
Request analysis – Scoring
Risk management – Limits
Guarantees, Decision
Validation & Signature
Deprec. tables
Invoicing / payments
Collection
After sales modifications
End of lease
(early, normal,
full, partial,…)
Asset retrieval / pick-up
Asset sale / Re-lease
Structure of Leasing cases
Customer
account
Contract 1
Asset 1
Asset 4
Asset 2
Financing Request 3
(Schedule)
Financing Request 2
(Schedule)
Financing Request 1
(Schedule)
Contract 2
Asset 3
Supplier
account 1
Supplier
account 2
Funding
Partner
agreement
Funding
Partner
agreement
Funding
Partner Loan 3
Funding
Partner Loan 1
Funding
Partner Loan 2
Classical
and Frame
contracts
The business processes – assets
CatalogsAsset configuration can be done via catalogs including detailed
configuration and tariffs of the assets, its equipment and
accessories
They can be linked to one or more suppliers
Residual Value / Purchase valueMatrix based calculation of the RV / PV based on the type of asset,
planned usage, duration,…
Vehicles,
2 wheels,…IT Equipment Building Machinery
The business processes – origination
White labelingSystem is able to manage own brand and white labeling
Different pricing templates could be set up depending on
the brand
Brokers and resellersSales could be initiated either by the leasing company or
resellers/brokers
System manages commissioning and accounting for
resellers and brokers
Self serviceClients could initiate a financing request using the Extranet
Origination
Contract
During lease
End of lease
Financial Calculation Engine
• Powerful and flexible financial calculation engine
• Business oriented FCE that could be called from an external
application
• Multi-steps, variable interest rates, down payment, guarantee
deposit, reverse calculation, IRR calculation,…
• Pay per use functionality
The business processes – contract
Contract / Financing request implementationCreation of the cases with all the involved parties, assets,
services, insurances
Decision about applicable terms and conditions, simulation
of pricing
Syndication
Funding partners
Analysis of the financing request - ScoringScoring (including external data base query)
Proofs’ follow-up and evaluation of risks and guarantees
DecisionAcceptance or refusal decision (automatic or manual)
Based on limits, scoring, business rules
Origination
Contract
During lease
End of lease
The business processes – contract
Contract Collection of necessary documents and information
Contract signingRegistration of the signed contract
Supply management
Financing request enforcement
Financing and accounting/fiscal depreciation tables
GuaranteesSet up of the guarantees (guarantee deposit, buy-back
commitment, bank guarantees...)
Management of the guarantees
Origination
Contract
During lease
End of lease
The business processes
Leasing periodInvoicing of the rents
Tax is applied on each invoicing item (rent, fee, service,
insurance,…) based on the client situation, contract
configuration, asset localization and tax rate configured
Invoices could be grouped on the Customer account case by
Financing request / Contract
Invoices sent to the client could be customized using templates
Generation of direct debit files (if applicable)
Collection of the rents: matching – rejections – credit notes –
reimbursements
Payments’ follow-up and management of the overdue
Origination
Contract
During lease
End of lease
The business processes - Services
ServicesRegular and one shot fees / financed and non financed
Tariff could be fixed amount, matrix based amount, percentage
or calculated by an Expert System formula.
FeesModification fees : data modification could generate some fees
Manually triggered fees
Fees generated following a third party invoicing with or without
margin
Origination
Contract
During lease
End of lease
The business processes - Insurances
InsurancesCovering individuals / assets
Matrix based tariff
Packages (one insurance linked to several supplier services)
Origination
Contract
During lease
End of lease
The business processes – Collection
Scoring and segmentation
Pre CollectionPre collection procedures
Early collectionSearch for payment agreement
Payment plan follow-up
Late collectionSearch for payment agreement
Payment plan follow-up
Event of default / contract breachFinal demand and event of default
Origination
Contract
During lease
End of lease
The business processes – Modifications
Contract modificationPayment schedule modification
Modification/Addition of assets and services/insurances
Contract transfer
Applying contract modification fees
Damages on asset or death/unemployment/disability of
the lesseeClaim to insurer
Indemnification request and payment follow-up
Others incidents Search for contacts (MWLA…)
Disputes, fraud…
Bankruptcy/insolvency
Origination
Contract
During lease
End of lease
The business processes – End of lease
Early termination (total or partial)With purchase (by the lessee or a third party)
Without purchase
With or without early termination fees
End of leaseContract extension
Normal expiry with purchase
Normal expiry without purchase
Asset retrieval follow-up (appraisal, repackaging fees…)
Invoicing of the sold assets to the purchaser
Accounting of the asset’s sale
Balance of the accounting/fiscal depreciation
Origination
Contract
During lease
End of lease
The business processes – End of lease
End of caseBalanced cases
Bad debt and write off management
Case archiving
Case re-activation
Origination
Contract
During lease
End of lease
The business processes – asset depreciation
Depreciation tablesBased on the contract type, accounting and fiscal
depreciation tables are calculated upon Financing
Request enforcement
When applicable, depreciation tables are updated
following Financing Request modification
Depreciation tables are calculated taking into
consideration asset type, financing company rules and
local rules
The business processes – asset management
Asset follow-up Use’ follow-up
Follow-up of asset location
Asset appraisal
Repackaging
Re-leaseRe-lease of the off-lease assets
Off-lease asset salesNegotiation of sales / offer to purchase follow-up
Accounting of the asset’s sale
Balance of the accounting/fiscal depreciation
Regulatory requirements
GDPR
Basel yIFRS xx
All regulatory
requirements and
updates are
managed in the iMX
Integrated Accountancy
DIRECT ACCESS=
COMPLETE ACCOUNTANCY
AUDIT
Companyaccountancy
software
GeneralLedger
Integrated iMXAccountancy
Validation
Check reports
AccountancyGenerator
CaseAccountancy
Event
Dataexchange
Case
Operation
Codes
Is also much more
2Multi-currency management
w w w . c o d ix . e u
EVENT CURR. CASE CURR.
CLIENT ACCOUNT
CURR..ACCOUNTING
CURR..
13 keys flexible concepts
3Multi-company, Multi-lingual
EN
SPA
CN
FRA
RU
EN
4Flexible data upload/download
With customers
With business partners
With service providers
And much more…
Interfaces – example of Implementations
Documents/Images
Data sources / consolidation(Equifax, D&B, etc.)
On line Payments
Banks(SEPA,
SWIFT…)
GENERALACCOUNTANCY
PORTFOLIO MGNT(lessees & suppliers)
Extranet/Internet
REGULATORY BODIES(credit Bureau,
Central Banks, etc.)
EXTRACTION TO GROUP / HQ DWH
(optional)
CC Payments
e-Commerce
Credit Transfers, Direct Debits,
Reimbursements …
GL
bookings
exports
Upload /
Download
Individual data,
rating request/reply,
scores, limits, etc…
Limit
request
Creation
/upload
Upload of asset
catalogs and
supplier invoices
Financing
request
origination
E-signature
TelOvernumerated
Predictive
Dynamic
Management
of Users
AssistanceScripts
Priorities
Appointment
Incoming
Calls
1
2
3
4
5
6
7
8
9
Outgoing
Calls
1
2
3
4
5
6
7
8
9
Automatic
iMX Tel main features
Statistics
Dashboarding Style Charts
Multi LanguageUsers Management Sharing
SchedulingExport & Publishing
Business Univers
ETL
iMX Analysis and Decision
Drilling
Easy implementation
• Best practice versions for all
processes
• Minimum customization
• Fast track project
P&P
• SaaS model
• On premise model
We can deliver a SOLUTION…
Fully customisable
All tools integrated
One single database
Multi companies
Multi-currencies
Multilingual
Multi-products
Multi-channels
Multi-networks