FNI Decision Systems

FNI systems are used to making fast, highly accurate credit quality assessments in a variety of loan environments. Wherever speed–to–market requirements call for reliable and functional platforms, FNI’s decision systems are unmatched in their ability to ramp up fast, and deliver powerful results.

Powerful Lending Tools, Built Fast And Affordable

Our FNI experts are also adept at helping organizations capture and analyze transaction data against actual payment histories to build dynamic, proprietary models for credit decisions and portfolio quality assurance.

Upfront development costs stay low because of our flexible technology, and because our business model is based primarily on transaction–flow, which means that our clients can realize ROI at the same rate they grow their business. In this way, the FNI approach offers our customers a low risk path to implement new technology enabled products.

The core platforms within the FNI solution set support a complete array of automated and judgemental credit origination options. The FNI components extend well beyond origination, including collections and bulk portfolio analysis.

Analyst Workbench

The Analyst Workbench provides a complete picture of the credit application to the lender credit analyst. Application, bureau, and other third party data is custom displayed to lender specifications to maximize decision efficiency.

Application Queuing

Applications automatically routed by Lender strategies
Fraud, Manager Review, Compliance, and Point of Sale queues
Flexible platform allows for easy strategy and queue adjustments

Real Time Decisions

Full automated decision strategy support
Ability to route applications to live analysts for decision
Full linkage to point of sale for immediate judgmental decisions

Integrated Third Party Data Linkage

Consumer Bureaus
Fast Data
D&B, Experian Business Data
Riskwise
Auto Appraisal Tools
IdAnalytics

Rapid Deployment to Lender

Browser–based for portability to distributed desktop environments
Custom integration with the servicing platform of choice

Origination Engine

Because FNI’s systems can support single or multi–lender environments, clients can build and operate a consumer financing capability with enormous flexibility. They enjoy what amounts to plug–and–play networking of primary or secondary financing in a highly integrated loan acquisition environment.

Meanwhile, FNI’s credit automation optimizes the customer experience at the point of sale with support for automated or judgemental decisions, whether in the store or dealership, through the call center or in the customer’s living room.

FNI works closely with its customers to fine–tune lending processes so that high–quality, actionable information moves where it needs to in real time. Manufacturers and merchants sell more with better margins. Lenders book more loan volume with credits that meet optimal portfolio standards. Because of this FNI–enabled transparency, everyone in the financial value chain increases profits at lower risk.

The FNI Origination Engine supports a wide array of products including unsecured consumer, credit cards, preapprovals, automobile, and mortgages.

A few of the many integrated features are listed below:

Front end credit application processing and decisioning
Credit and loan processing optimization
Auto loan processing with integrated document flow
Settlement/authorization integration services
Welcome/adverse–action communications
Open–to–buy, credit–line and promotion administration
Regulatory compliance rule integration
Multi channel support (IVR, Internet, Call Center, Direct Mail, Retail POS)
Lender–centric and retailer–centric models
Tiered lending models from a single platform to increase approval rates and customer satisfaction