Loans Book Profitability-Enhancement

Retail & Commercial Banking

Loans Book Profitability-Enhancement

Salviol’s FROPS platform has a unique architecture that has delivered breakthrough results in the prediction, prevention and detection of fraud. It also identifies, in real time, accounts with a high probability of transitioning from a profile that is in line with the banks risk appetite to a high risk loan. The net result is a substantial increase in the profitability of the loans book.

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Overview

Salviol’s FROPS platform has a unique architecture that has delivered breakthrough results in the prediction, prevention and detection of fraud. It also identifies, in real time, accounts with a high probability of transitioning from a profile that is in line with the banks risk appetite to a high risk loan. The net result is a substantial increase in the profitability of the loans book.


Business Impact

The architecture of FROPS is ideal for identifying, at an early stage, loans that are likely to become troublesome. This can be either because of fraudulent activity or because a customer transitions to a high-risk (or vulnerable) status. The accuracy of this early warning facility in FROPS enables much more effective, proactive, management of such customers/loans so that losses can be avoided or minimized. This also facilitates best-practice in respect of policies relating to vulnerable customers.

The overall impact of FROPS is that there is a major reduction in non-performing loans and a substantial reduction in operating costs. An additional, important, advantage of FROPS is that once it is set up for enhancing the profitability of the Loans Book it can also be used as an exceptionally powerful Fraud Prevention engine and to reduce the cost of compliance substantially.

Advantages

Find out how FROPS can help your business

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