ProFinance is a market leading fully integrated end-to-end solution designed to manage front, middle and back office activities for global leasing, retail and wholesale finance operations.
ProFinance is a modular solution split into different business applications which can be combined to fit the individual needs of the business.
Capable of managing all processes from acquisition to settlement, ProFinance is used by a variety of financial institutions to manage their core business and has proved to be an effective tool for maximising customer retention and reducing costs by enabling customer relationship management (CRM) and streamlining of key business processes.
ProFinance offers extensive coverage of leasing, retail and wholesale financial products
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ProFinance is unique in offering unrivalled coverage of financial products for both consumer and commercial finance markets all together in one single system. Product areas supported include:
consumer credit: revolving credit, charge cards, payment facilities, personal loans;
ProFinance has been designed and developed using state of the art technology
ProFinance is also unique as the only fully installed application of its type developed in n-tier J2EE technology. ProFinance is composed of independent business modules organised around a unique open database for front, middle and back office management of financial operations of various types.
The overall design is based on achieving a stable, robust and evolving architecture. It is therefore possible, at the lowest cost, to develop and gradually integrate new functionality to meet new operational needs. ProFinance is available on two principal market standard relational database servers: Oracle and Sybase. The primary target markets of ProFinance are the retail financial services industry (consumer loans, leasing, revolving facilities) and complementary B2B market places such as wholesale finance (factoring and floor planning).
ProFinance has been designed specifically to meet the needs of international finance companies
ProFinance has the following characteristics based on the highly parameterised design:
Flexibility to satisfy branding and local market requirements by configuration only
Multi-companies, portfolios and multi-brands
Full Euro compliance and multi currencies
Multi language (page edition and client communication)
Local legislative, tax and accounting rules
International address, bank format etc.
ProFinance is easily deployed to support multi-country operations with diverse business requirements:
Flexibility of commercial offer through parameterisation
Integrated "Content Manager" module for customisation of the branding and look and feel
Scalable technology: adaptation to various organisation sizes
Suited to central hosting with distributed user populations
With a high level of parameterisation, ProFinance is very flexible and is easily configured to support the required corporate branding scheme and commercial offer of the finance company
General characteristics include:
Capability to manage the full range of organisational, business partner and channel structures: finance companies, end-customers, commercial partners, distributors (OEMs and dealers), service providers, etc.
Management of links or business relationships between business partners enables the management of the risk for groups of customers or holding companies for individual subsidiaries and consolidated at the group level
Comprehensive management of accounts (online and via reports) by defining business rules and workflow configuration
The parameterised nature of the design enables marketing staff to easily define the product offering, creating a catalogue of available financial products and associated services, the characteristics of which can be adjusted individually and tailored according to customer requirements
Configuration of the financial plans and products allows users to parameterise online the funding conditions (rate, duration, monthly payment, deposit...) of a specific loan or lease chosen by the customer from a list of available financial plans
Configuration of the services (insurances, maintenance etc.) enables the finance company to customise (calculation rules, periodicity, mandatory or optional attribute...) the various complementary services or value added products offered along with the finance
As an option, ProFinance supports new loans via an online and web-based origination module: FAMOS. This module can be accessed remotely by business partner users for both retail and wholesale activity
Through a specific interface, ProFinance also allows the import of new files from any external application or front office. Fimasys has developed a complete set of XML-based API in order to facilitate the communications with internal as well as with external users
Solutions 