CAMS

CAMS banking solution enables banks to provide premium customer service by offering the capability to configure innovative products and track all customer information and transactions related to financing of customer assets.
Seamlessly covering the complete life cycle of a customer asset product sale, CAMS provides a host of unique features at each stage.
CAMS modules currently support SME financing, Micro financing and consumer products including mortgages, personal loans, personal running finance, durables financing and auto leasing products.

Features & Value Proposition

Within each of the stages of the lifecycle of a customer asset products sale, CAMS provides a host of useful features.

Policy Setup

Parameterized control forms to define bank's lending policies and procedures. Assignment of user based controls and access level controls.

Organization

• Customer application details including all fields required under SBP Borrowers Basic Fact Sheet for Consumer Assets.
• Quotation and Preliminary loan calculators.
• Customer registration and validation as per policy defined in control forms.
• Allows new asset products to be configured quickly, thereby increasing speed to market.
• Facilitates use across branches and user networks with full sharing of core data.
• Highly modular with ability to add and activate new modules within a few hours.
• Supports complex business calculations & document production.
• Strong marketing support in the system drives the ability to mine cross-selling and up-selling opportunities.
• Full automation of time-consuming administrative processes through use of sophisticated workflow modeling.

Processing

• Credit scoring
• Credit Limit checking
• Verification support
• Customer acceptance/rejection
• Credit Sanctioning
• Disbursement
• Maintenance
• Payment processing
• Accounting
• Agreement expiry & asset disposal
• Collections
• Balloon payments and settlements
• Default management
• Insurance management

CAMS offer a compelling value proposition to financial institutions in the consumer asset products business. Well-designed navigation ensures that correct business policies are applied, reducing user mistakes Scalable platform and architecture supports organizations' growth needs.

Technology Platform

CAMS's architecture is built around an Oracle relational database, widely accepted as the de facto standard for the finance industry. CAMS incorporates various encryption methods and multiple levels of security to protect user passwords and application integrity.