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| Case Studies - Mortgage Industry Solutions Case 1 - Business Intelligence System Case 2 - Automation of loan processing and enhanced risk management
Case Summary: Business Intelligence System The Customer: One of the TOP 10 Mortgage companies in the US Technology: Data Mart application Business Requirements: The company wanted to build a Business Intelligence application to satisfy the following business requirements:
The Solution: The company was maintaining the loan origination data in internal systems, while the servicing data was with the Application Service Provider. The ASP was charging for each inquiry of specific loan servicing data, running into millions per year. The solution suggested by Tata Infotech involved building a data mart and loading loan origination data and monthly loan servicing data obtained from the ASP into it. Benefits:
Case Summary: Automation of loan processing and enhanced risk management Customer: A leading bank, rated as “The Best Bank in India” in 2003 & 2004. Technology: Imaging & Workflow system Business Requirements: A leading bank in India that has its American Depository Shares listed in the New York Stock Exchange, offers products under three major divisions, Wholesale Banking Services, Retail Banking Services and Corporate Treasury Services. It has more than 400 branch offices across India. For its Retail Banking Services Division, the bank wanted to implement a loan processing system that would improve the efficiency and effectiveness of their business processes. The Solution: Tata Infotech came up with a solution based on an image enabled, work flow based loan processing system. The architecture recommended to the bank was flexible enough to accommodate any additional applications that the bank may want to bring under the work flow based solution. The architecture also took cognizance of the fact that the application would eventually be used at all the branch offices of the bank spread across the country. The project involved developing the actual workflow for the loan processing system and integrating it with the bank’s transaction processing systems. The details of the loan application are captured in the imaging system at the branch level and the images are routed to the Head Office for processing. The Head Office completes the credit appraisal and conveys its decision to the branches. The project has been implemented using imaging, workflow and content management tools. Tata Infotech successfully executed this Systems Integration project meeting all the objectives initially set. Benefits:
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