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ExpressOS™ Origination
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The Business Challenge

With the complexities of today’s financial transaction environment, organizations need the capability to originate transactions through multiple channels and the flexibility to manage the information regardless of this origin. Until now, the management of multiple origination channels has been time consuming and prone to error—an obstacle for lenders in achieving their performance targets.

The ExpressOS™ Solution

The ExpressOS™ Origination module—a subsystem of Cyence International’s industry-leading ExpressOS™ financial workflow system—provides the customer-focused, multiple-channel system required to capture customer information, select assets and structure transactions of every size and complexity.

The ExpressOS™ Origination module captures and embodies all business processes and supports multiple languages and currencies. ExpressOS™ helps streamline and simplify the origination process though the use of workflow wizards while offering a single point of entry for all customer and transaction information. It supports both direct and indirect originations though multiple channels, including:

Dealer origination—Interface with existing dealer network for seamless deal structuring

Pricing tools—Configure and pricing structure, from basic rate table to complex, tax-based pricing systems

Product catalogues—Interface with external product catalogues or upload existing catalogues

Customer Relationship Management (CRM) tools—Interface with a variety of external CRM tools

Web portals—From Web sites to front-end portals, leverage a seamless interface to capture customer information

KEY FEATURES
  • Multiple language and currency support
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  • Status management
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  • Internal messaging capabilities
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  • Workflow wizards
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  • Application entry system for multiple channels
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  • Real-time sales pipeline
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  • “Smart” application forms (IE 5.5 and above)
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  • Multiple workflow support
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  • Integration with CRM software
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  • Quoting and proposal generation
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  • Fraud prevention audit checks
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  • Time-sensitive and action-sensitive alerts
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  • Alias capabilities for third-party entry
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  • Guarantor and trade reference tracking
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  • Multi-level hierarchy for sales support
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  • Pre-tax and post-tax pricing
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  • Integrated pricing and equipment catalogues
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  • Variable payment structure support
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  • Definable financial structuring
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  • Asset-level pricing, residual capabilities
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  • Integration with SuperTrump, TValue and other pricing tools
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