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MicroF1 2.8 Lending/PDL Platform

An all-in-one platform for ⚡ ultra-fast financial service launch

MicroF1 2.8 platform supports microloans, payday loans (PDL), consumer lending, installment loans, BNPL format, and other types of retail lending.

Suitable for corporate lending, leasing, and secured loans. A ready-to-use credit business management system with a comprehensive feature set, including AI.


Our flagship product is a comprehensive lending platform that integrates advanced LOS (loan origination system), LMS (loan management system), and CRM (customer relationship management) capabilities.

 

Who Uses Our Software

 

— Financial companies (MFIs)
— Banks (including neobanks)
— Leasing companies
— Credit unions
— Factoring companies
— Marketplaces and other e-commerce platforms
— Fintech startups and other lenders

 

Overall System Architecture


1. Customer Portal
2. Digital Onboarding and eKYC
3. Credit Product Builder
4. CRM Engine and Communication Tools
5. Decision Engine (Scoring)
6. Document Management
7. Payments Module
8. Loan Calculation (Billing)
9. Reporting and Business Intelligence
10. Marketing Module

 

The Main Blocks of the Solution are:

 

● Borrower portal with an onboarding assistant
● Flexible configuration of loan products and applications. Uploading client documents
● Customizable borrower profiles: individual or business. Referrers and related parties
● Integration with lead generators and CPA networks: SalesDoubler, FinLine, StormDigital, LoanGate, Admitad, DoAffiliate, Affise, Lead.su, LeadGid, UBKI
● Decision engine: prescoring and scoring, rules, models (scorecards), automatic decisions. Integrations with Vodafone, Kievstar Scoring, Risk Tools.
● Integrations with Credit Bureaus: UBKI, MBKI
● Anti-fraud: EMA Blacklist, Blacklist service
● Remote customer identification: PrivatBank BankID, NBU BankID, QES / AdES, liveness detection, video verification, Diia e-government services, Facebook
● OTP authentication. Customer verification via Rikkicom or in-house telephony
● Verifier workstation, internal blacklist
● AML & financial monitoring: PEP, sanctions, and terrorist lists. FinAp integration
● Financial Telegram bot: applications, payments, extensions, balances, customer messages, promo codes, FAQ, and more

● Connection to Privat24, EasyPay, Platon, Tranzzo, Fondy, Procard, 4bill, UPC, Corefy, and other payment services
● Support for PrivatBank, City24, 2click, iBox, EasyPay networks of cash-in terminals (payment kiosks), Pogashay.ua service
● Recurring payments settings and calendar
● Omnichannel communications: SMS, Viber, email, IVR, IM chatbots (Telegram), push notifications. Integrations with SMS gateways: TurboSMS, AlphaSMS, SMSCenter, Omnicell, Vodafone, SMSClub
● Task and reminder management
● Distribution of clients/applications/loans by employees, taking into account the workload
● Lead and call management
● IP-telephony based on Asterisk platform. Call distribution across company departments and phone number configurations. Voice AI agent for marketing, support, and collections
● Notifications to employees regarding applications/repayments/delays/login to the customer portal, etc.
● Loyalty system for customers: promotional codes, discounts, cashback, rewards. Option to write off cashback funds to charity
● 'Invite a friend' referral program
● Analytics: 18 reports and Metabase Business Intelligence. Real-time dashboards builder. NBU reporting: credit register 2.0, active operations
● Multiple fee models and loan extensions
● Individual interest rate configuration
● Loan holiday and freezing of accruals. Reversal and adjustment operations
● Guaranteed and annuity payments. Credit lines and tranches.
● Multi-company accounting. Collateral management
● Open API for developers — the foundation for mobile apps, borrower portals, and integrations
● Target actions (events) for business processes, marketing, and analytics. Integration of events with Google.Analytics
● Debt collection management: collection statuses, tags, and events. Collections scoring
● Operations of restructuring, write-off, and sale of credit debts
● In-house collection agency billing

● Role-based access control (RBAC)
● User activity and audit logs
● Built-in document editor: loan agreements, addendums, certificates, and other documents
● Integrations with BAS (1C), CRM Bitrix24
● Integrations with ConnectiveOne, ChatGPT chats, and Corezoid engine
● High-load streaming data archiving.

 

The MicroF1 2.8 for Lending/PDL solution is designed for high-load environments. The platform seamlessly adapts to a wide range of credit products and enables lending operations across global markets.