Loan Origination, Loan Management,Loan Collection System

ARIUM Core Finance

Comprehensive Multifinance Solution

Competitive Lending Market

The Why of Telkomsigma’s Arium Core Finance

Arium Core Finance Modules

Platform and Technology

Options of Arium Core Finance Offering Scheme

Why Trust Telkomsigma?

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Table of Contents

Competitive Lending Market

In understanding that today’s competitive environment requires commercial lenders to look for ways to increase efficiency in the loan process, improve profitability, and mitigate risk, Telkomsigma is now offering Core Finance, a comprehensive multi-finance solution designed to enhance your efficiency.

Not only is Indonesia already crowded with competing banks and around 200 multi-finance companies, the country’s market is also highly regulated so that only those who offer the most efficient loan process and maintain compliance with applicable rules and regulations can survive and thrive.

Without a truly comprehensive solution, lenders will have trouble managing the loan life cycle, thereby causing delays to client payments and an inability to monitor credit and debt limits. In addition to the rising risks and costs from such loan life cycle disruptions, the absence of a comprehensive solution oftentimes leads to lenders’ failure to comply with regulatory requirements.

Core Finance is a comprehensive, IT-based Loan Solution designed to help banks and multi-finance companies compete more effectively in the market. Combining Telkomsigma’s experience and knowledge base, Core Finance creates operational effectiveness by bringing the following capabilities to banks and multi-finance companies:

Give pre-approvals faster in order to acquire new clients

Define own product parameters

Eliminate risks when and where possible and reduce the time needed to originating loans

Issue valid output information in a very accountable and timely manner due to having an integrated system of loan acquisitions, loan management, and collection systems, in which every module’s performance is highly optimized to facilitate and ensure a smooth business process

The Why of Telkomsigma’s Arium Core Finance

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Arium Core Finance’s Key Features

Cover Multiple Products

This product management module enables lenders to define or configure different types of financing products, including Consumer Financing, Leasing, and Factoring, through a parameters setting that covers pricing, interest calculation method, charges method, repayment rules, and administrative rules.

Strong Ecosystem

Core Finance is surrounded by other complementary systems, making it a “One Stop Solution” for all types of financing business.

Fully Online & Centralized

Core Finance covers a fully online & centralized system, integrated funding module, flexible approval process, open platform – complete with business application software – and self-defined parameterized and business-driven products.

Benefits of Core Finance

1. Streamline Business Process

Arium Core Finance employs workflow technology to control and monitor the various steps in loan processing for automatic routing of application for each product, business models can be accommodated in the system, compatible to paperless technology, support document imaging and archiving for various loan application.

2. Reduce Losses & Delinquencies

Arium Core Finance reduce potential fraud case by matching process (credit checking), and reduce potential losses due to the inability of the applicant to pay the debt by using strong credit analysis mechanism (credit scoring and compliance), which may lower the risk of delinquent loans.

3. Multiple Product Handling

Arium Core Finance support financial industry such as Consumer Loan, Finance Lease and Factoring .

4. Collection & Recovery Advantage

Arium Core Finance can help you develop more focused collection strategies by risk based segmentation, collection prioritizing, determining which accounts have the highest payment potential & increase debt recovery through ongoing portfolio monitoring.

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Arium Core Finance Architecture

Arium Core FinanceBusiness Flow

PROSPECTINGLOAN

ORIGINATION

ScoringRisk CheckingDocument CheckingMultilayer Approval

Capture Prospect DataFollow Up Prospect

InterfaceLOAN ACCOUNT MAINTENANCE• Account Disbursement• Billing & Payment• Account Activity Early Termination,

Restructure, Over Credit,etc• PDC Management• Insurance Policy Process

COLLATERAL MAINTENANCE & TRACKING

COLLECTION & RECOVERY• Collection Management• Repossess Asset• Inventory Asset Management• Write Off

FUNDING MANAGEMENT• Channeling /Joint Finance• Asset Securitized

INTERFACE TO BANKBusiness

Intelligence

GENERAL

LEDGER

Loan Origination

Order Appraisal/Survey Service AgentCollection Expense

PDC Management

Data Capture Insurance ManagementAssignment Letter

Billing & PaymentApproval Notary

Reposses Asset

Collateral ManagementFinal Check

Write Off & Recovery Management

Product Management

Contract Management 3rd Party SettlementInventory Asset

Customer ServiceMemo Disburstment

Financing Management

Matching Dealer ManagementCollection Activity

Cashier Management

Loan Origination Dealer ManagementAccount Handle Distribution

Loan Maintenance- Account Activation- Early Termination

- Over Credit- Account Inquiry

Loan Management Collection &Recovery

3rd PartyModule

Audit Log

Accounting System

INTEGRATION HOOK UP PAYMENT GATEWAY

SUPPORTING APPLICATION

Message Delivering

Business Monitoring

Electronic Document

Notification system:- SMS- Email

Dashboard Management

Document Management

Business ActivityMonitoring

Imaging / OCR

Mobile Application:- Marketing- Survey- Approval- Collection

Auto Debet

Treasury EDC

Payroll HR Host to Host

BI Report

Interfacing (text file)

Business Process Management

Security

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Arium Core Finance Modules

Telkomsigma’s Core Finance is a complete solution with end-to-end features covering various types of financing businesses, such as Consumer Financing (mortgage loans, auto loans, electronic loans, refinancing / leaseback / cash loans), Leasing, and Factoring. Such a complete solution is supported by the following range of comprehensive modules for facilitating a complete lending process:

a. Loan OriginationSupported by flexible credit flow, scoring and matching engines, this module manages the Loan Acquisition process, starting from prospecting, surveying, approval, and disbursement.

b. Loan ManagementThis module manages loan maintenance, namely:• Customer Management, covering customer data maintenance, and customer payment method• Product Management, useful for creating attractive products and packages, including mortgage loans,

vehicle loans, electronic loans, and multi-purpose loans• Loan Maintenance, designed to handle loan inquiry, loan restructure, early termination, and over

credit• Payment & Billing, assisting in managing due collection, customer payment allocation, payment receipt

printing, payment reversal, and billing waive• Insurance, managing insurance payment (on loan, prepaid, annual), insurance processes from order,

endorsement, refund/cancellation, and claim• Post Dated Check, handling PDC processes, such as input, PDC Clearing and payment allocation, PDC

maintenance and stocktaking of PDC• Collateral Tracking & Maintenance, tracking collateral status and storage, handling collateral

maintenance process• Funding Management, dealing with source of fund, and providing various types of funding arrangements,

such as joint financing, channeling and securitizing assets, with mirroring and non-mirroring schemes• Incentive Management, handling incentive for dealer, developer, marketing staff, and collector with

progressive and non-progressive calculation method• Third Parties Maintenance & Billing Settlement, dealing with dealer, developer, insurance company,

notary, service bureau, surveyor, appraisal company, professional collector, counterpart/bank• Customer Service Management, covering customer service activities related to customer documents,

loan simulation(s), and inquiry application status.

c. Collection Management, covering the following processes:• Collection, managing parameters, processes for internal or external collector and collection activities• Inventory Asset, repossessing asset, asset appraisal, and asset selling• Write Off & Recovery, handling write-off processes, payment recovery, and charge-off

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Equipped with the J2EE technology platform, web-based, multiplatform, and 3-tier architecture, Core Finance enables companies to improve efficiency by, among others:

Reducing financing costs

Limiting instances of human error arising from manual process

Presenting valid and comprehensive data and reports

Improving productivity

Suppressing leaks and fraud

Providing safe and secure implementation

Platform and Technology

Technology

• Web-Based• Java/J2EE• Structured User Parameter• 3-tier Architecture• GUI Based Input Forms• GUI Based Business Processing

Definition• Multi-Layer Security Network

Core Finance’s Platform and Technology

Platform

• Operating System Oracle Enterprise Linux or Windows Server 64 bit

• Database Oracle 11g Standard Edition or EnterpriseDB 9.2

• Application Server Oracle Internet Application Server or JBoss 7.1

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Fully understanding the challenges faced by Multifinance companies and banks, Telkomsigma offers Core Finance in two options:

License Model, offering purchase license option, suitable for companies that prefer

CAPEX model.

Application Service Provider (ITOM), offering the solutions by outsourcing and renting the services by paying monthly or yearly based on usage – suitable for companies that prefer OPEX model.

We have a solid track record in providing IT-based banking and financial solutions. Based on our IT experience and expertise since 1987 by becoming an IBM business partner, we have earned a strong reputation in the banking and financial industry through our solutions, including AlphaBITS for local banks, and end-to-end IT solutions consisting of Data Center Services, System Integration, Banking and Financial IT solutions, Cloud Computing and IT Managed Services.

• Telkomsigma is supported by reliable local professionals who understand the business, technical provisions and the financial industries regulation in Indonesia

• Our Banking and Financial Solution Milestones1998 : AlphaBITS, Core Banking System1991 : Excalibur, Capital Market Core System1993 : AlphaBITS Syariah, Islamic Core Banking System 2000 : Approva , Loan, Originating System2000 : Financore, Multifinance Core System2005 : SERA, Payment Gateway2008 : LINK, ATM Switching for the State-owned Banks Association (HIMBARA)2009 : SATU, Modern Core Banking Ecosystem for BPR2011 : ARIUM, Financial Solutions Ecosystem

• Trusted by Banking and Financial ClientsOver 130 clients from the banking and financial sector have utilized our diverse and end-to-end solutions. Since 2009, the State-owned Banks Association (HIMBARA) has trusted us to manage its “LINK” ATM Switching, enabling them to conduct over 150 million transactions over “LINK”.

• International StandardTelkomsigma’s business process has been appraised CMMI Lv3, which recognizes our improved process to acquire, develop, and deliver products and services.

Options of Arium Core Finance Offering Scheme

Why Trust Telkomsigma?

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The information contained herein is subject to change without notice. Created April 2014

© Copyright 2014 PT Sigma Cipta Caraka (Telkomsigma) Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesiawww.telkomsigma.co.id

Make IT Faster and Contact Us! http://www.telkomsigma.co.id/contact-us

Menara Dea, 8th Floor Kawasan Mega Kuningan Jl. Mega Kuningan Barat IX Kav E.4.3. No.1 Jakarta 12950, Indonesiawww.telkomsigma.co.id