Micro Finance Platform

The Microfinance Platform from Enterprise has been architected for quick deployment and a focused Operational Model, targeting specific products and customer segments, aiming to boost the Microfinance Business start-up by:

• a focused Operational model, targeting specific products and customer segments within financial eco-system, ready to be easily enhanced
• a speedy, convenient, almost exclusively digital customer proposition, backed by flexible and tailored offerings
• an aggressive, proactive customer-acquisition strategy, powered by reliable flexible tools for assessing eligibility and other credit risk policy.
• an agile, and data-driven credit assessment model, enabling short application cycle, fast decisions and disbursement
• AML questionnaire and sanction screening features to prevent fraud and implement regulatory requirements
• Designed to be ready to implement future digital products such as Cross-border Payment services, E-Wallets, E-leasing, etc.

The Platform leverages the full potential of Enterprise IT solutions in terms of:

Focus on Digital and Green Strategy

• Effective implementation of Customer Loyalty thanks to the Mobile and Portal channels integration;
• Digitalization of the full-set of documents, within a “Paperless” approach all along the several stages of the financing origination workflow.
• Transparency and Traceability;
• Effective Communication with Customers;
• Availability 24×7
• Easy of Use thanks to intuitive and friendly Graphical User Interface with added compliance with European Accessibility Act 

Focus on Cost Reduction and Resources Optimization

• Robust and Reliable technology also available on Cloud
• Full automation of accounting and revenue cycle
• Configurable Workflow leading the Origination and Disbursement cycle
• Agility: over 180 set-up & tuning functions;
• Improved “Time-to-Market” for new products and services implementation.
• Easy configuration of internal policy, parameters, attribute domains, etc.
• Multi-bank operation capability
• Multi language (Users and clients)

Focus on Reliability and Security:

• High level of Security and Auditing functionalities
• AML/CTF supporting functionality and integration capabilities.
• Implementation of the SGSI Security System
• Credit and Operational Risk checking;
• Software Vulnerability periodic assessment;
• Periodic Penetration Test;
• User rights and authorization matrix;

Technological Framework

Main Caracteristic

All our Products were built in a structured environment that includes:

• Proprietary software framework (implemented with JAVA and REACT technologies)
• Cloud-agnostic containerization
• Efficient DevSecOps workflows
• Ready-made controls for security and data protection (token-based access, cryptography, least privilege principle)
• Data caching strategies
• Multi-Factor Authentication mechanisms (PSD2 compliant)
• User’s experience certification (cross-browser compatibility and accessibility compliance)
• Multi-channel endpoints (Web, API, Mobile App and Legacy Systems)
• Microservices infrastructure

Enterprise Software Framework

Based on modern architectural principles, our framework guarantees high software performance, maximizes reusability of code and reduces errors and impact of changes. In addition, ready-made controls and patterns makes our Products more secure and robust and fully compliant with standards and recommendations.

Microservice infrastructure implements more than 500 functions, within a service catalogue of APIs collected in 16 areas

The modularity of the framework simplifies the deployment of our Products that can be distributed in cloud or on premises, on virtual machines or containers.

Standards and Recommendations

We are compliant with:

• ISO 9001
• GDPR (EU Regulation 2016/679)
• ISO/IEC 27001:2022
  • Application Management
  • Service Management (Cloud)
  • Consultancy
• ISO 20022 – SWIFT Message
• OWASP Developer Guide https://owasp.org/www-project-developer-guide/
• OWASP DevSecOps Guideline https://owasp.org/www-project-devsecops-guideline/
• NIST Special Publication (SP) 800-160 https://csrc.nist.gov/pubs/sp/800/160/v2/r1/final