Advanced straight-through processing

ApplyOnline® processing solutions deliver the most advanced straight-through processing available. The extensive range of modules provides best practice processing solutions for your business, which have been production tested in the Australian marketplace.

ApplyOnline® uses comprehensive automation together with integrated service level management, to increase efficiencies, reduce processing time and cost. By natively incorporating LIXI standards, you can easily integrate service providers into your processing.

Use ApplyOnline® as a complete enterprise solution or to enhance your existing platform with specific modules.

Decrease costs

Extensive automation and reduced manual intervention result in dramatically lower processing costs.

Manage risk

High fidelity data coupled with advanced decisioning options ensure risk is managed in strict accordance with your credit policies.

Reduce errors

Integrated checks and balances, such as business rule-based data validation, work to significantly reduce error rate, and translate to savings in time and your bottom line.

Fast, predictable and consistent processing times

Integrated service level reporting and monitoring allow you to spot 'bottlenecks' or delays before they occur. Real-time escalation alerts enable you to pro-actively manage your resources to deliver consistent, predictable processing.

Rapid deployment

The intuitive browser-based interface and flexible workflow combine to deliver rapid results.

Outsource with confidence

Easy service provider integration means you can easily outsource non-core functions, without losing control or visibility.

Integrate and interoperate

A range of advanced integration options, including web services, allows you to integrate and interoperate with existing systems to deliver the best solutions for your business.

Automate service ordering

Automatically order third-party services, such as valuations, using easily configurable rules. Reduce latency in your processing and ensure you use the most cost effective services.

Eliminate document errors

By using an intelligent document engine, ApplyOnline® removes documentation errors by ensuring the correct content for each application is automatically and dynamically included in documents.

Accelerate with true straight-through processing

Intelligent workflow routing speeds applications through your process and automatically engages with service providers and by using full two-way LIXI messaging, you have a constant real-time view of your application pipeline.

Advanced assessment and decisioning

Integrated calculation of assessment metrics is standard. Flexibly set tolerances for applications to determine those which can go straight-through and those that require review. Our state-of-the-art decision engine allows you to use and adjust complex credit policies, while providing plain English explanations of how decisions were made.

Advanced workflow features

Our integrated workflow engine provides you complete flexibility to implement your process, your way. Advanced features include sophisticated routing mechanisms, workload balancers, geographic work allocation, skill matching work allocation, role delegation, advanced service level calculators and service level escalation alerts.

Integrated security

An integrated role-based security model ensures that system access rights are strictly controlled with full audit trails.

Checks and balances

Our processing solutions incorporate integrated checks and balances to meet the highest standards of compliance.

Software as a Service (Saas)

The ApplyOnline® platform is delivered as a pure SaaS solution, securely providing you services using only an internet browser.

Service Oriented Architecture (SOA)

The SOA of ApplyOnline® allows you to securely and easily interoperate with your existing internal platforms or other SaaS systems.

Intelligent document production

Our integrated intelligent document production engine allows you to produce all documentation needed, including legal agreements.

LIXI backchannel enabled

All processing status updates are available as LIXI backchannel messages, ensuring all parties (including sales) have real-time visibility of the applications progress.

Track and trace

Ensure no application ever disappears into a 'black hole'. All steps of the process are tracked and monitored, particularly transfers to external providers.

NEW: Integrated document verification

Automatic checklists for supporting document verification are produced using the decision engine. Documents are viewed in the same browser for sorting and check-off, and are available throughout the process. Documents can even be made securely visible to service providers.

• True LIXI enabled straight-through processing
• Decrease costs through reduced errors
• Support for all types of lending including mortgages, non-conforming, personal loans, credit cards and equipment finance.
• Support for all application types, including post-settlement variations
• Market leading risk assessment, AML and Know Your Customer integration
• Advanced decision engine, with outcomes explained in plain English
• Intelligent document production, including legal agreements
• Fully managed "Software as a Service" delivery
• Full integration with ApplyOnline® electronic lodgement solutions
• Powered by the NextGen.Net® Network of managed business messaging.
• NEW Integrated storage and verification of supporting documents.

• Advanced Workflow Engine
• Advanced Rules and Decision Engine
• xGate LIXI gateway services
• Structured DataMart
• Automatic ordering rule-base
• Supporting document management
• Broker and sales channel centre
• Assessment metric calculators
• Custom scorecard integration
• AML / Know Your Customer integration
• Intelligent document production
• Direct to consumer data capture