2. COMPLIANCE
INFORMATION
TECHNOLOGY
BUSINESS CREDIT RISK
The increased need for scrutiny, risk elimination and ever changing regulations has increased
the complexity of the processes required for the origination and the closing of all types of banking
products. Whether a consumer loan, a personal loan, a credit card, a house loan or any other type
of credit line, it is essential to comply with a complex set of regulations, internal and external rules
and policies and a set of complex, but consistently repeatable, workflows. These facts require a
seamlessly integrated end-to-end loan origination solution which interfaces flawlessly with the
core systems of the Bank.
i-Apply has helped lenders identify process efficiencies, customize workflows, and comply with
regulatory changes. It is a multi-channel, platform independent solution, built to serve a wide
variety of financial products and handles credit products decisioning, origination, management and
collection processes. Ranging from mortgages to debit/credit card applications and from corporate
to personal loans, i-Apply manages customer on-boarding application, credit qualification, pricing,
product factoring, amortization and collateral appraisal, up to loan disbursement and covers
the entire product sales cycle.
i-Apply streamlines the origination process to remove redundant processes and accelerate decision-
making, while it decreases risks and subsequently leads to reduced costs and enhanced efficiency.
KEY CHALLENGES
• Error-prone, fragmented activities, dominated by paper
documents and manual processes
• Unsuitable technologies prohibit the desired standard of
service speed and quality in customer service
• Compliance requires evidence that sound decisions are
taken, fully respecting the institution’s due diligence
process and credit policies
• Quickly respond to credit requests and maintain control
over risk
• Credit analysts need to maintain clarity and focus
• An IT environment flexible enough to accommodate changes
without straining resources or budgetary constraints
BUSINESS BENEFITS
• Control your entire lending process
External and internal scoring, along with pre-populated
KYC information, minimize data capture requirements
and allow the bank staff to focus on the right customer
and quality loan portfolios.
• Increase your efficiency and business agility
Scorings can be adjusted to changing market conditions,
while new lending products can be rolled out fast, targeting
new market segments.
• Reduce your risk and regulatory exposure
Rigorous and standardized approval processes throughout
the Loan Origination lifecycle and for different lines of
business, support compliance efforts protecting the
institution against defaults.
• Run with powerful workflow and rule engines
With seamless routing, tracking, allocation of automated
tasks and notifications to bank staff, i-Apply supports
timely credit decisions, which are organized entirely
around the bank’s unique credit policies.
i-Apply is an advanced and scalable solution
that meets the needs of regional or multina-
tional financial institutions reliably, efficiently
and securely.
FOR MORE INFORMATION
Please visit www.relationalfs.com/products/relational-
products/i-apply/
“i-Apply streamlined our work and significantly
reduced our application processing time from
installation day 1”.

3. Comprehensive workflow models are defined, building
a secure and fully auditable end-to-end credit decision
process which maintains flexibility, while it ensures the
quality of complex customer evaluations.
Following the capture of non-financial customer data, i-Apply
imports data from internal systems providing the visibility
required on customer exposure, limits, commitments,
collaterals, etc. Additionally, data retrieval from other external
Financial products are strictly regulated and Financial
Institutions need to demonstrate to auditors that certain
procedures have been followed in a specific order.
i-Apply fully satisfies the audit requirements of a modern
bank. Firstly, the solution provides a comprehensive and
complete audit trail enforcing accountability, recording in
detail “who” did “what” and “when.”
Authorized users perform their duties in an environment
which records every action in detail.
With industry standard rules and risk models, i-Apply
supports and automates credit policy checks, allowing credit
approvers to focus on decisions of increased risk and
complexity, thus shielding the bank from potential “bad
debt” exposures.
Rules are designed, tested and implemented in a graphical
environment. Using business language, users can build
rules, reducing or eliminating the need of IT resources.
i-Apply models can therefore easily adapt to changes in the
i-Apply Product Factory ensures that technology and
processes provide the modern bank with the capability to
flexibly configure new offerings, seamlessly distributed
across channels, without adding cost and complexity.
New products do not need to be developed at the expense
of existing ones and do not necessarily have to consist of
custom builds or bespoke development activities.
Product Managers have the right tool and technology to
better analyze and directly control new product rollouts
through automated workflow and authorizations.
Accelerated offerings are made available to Sales Teams,
Call Centers, Branches and on-line channels at the right
and internal systems is supported with out-of-the-box
or custom interfaces.
The institution’s reputation and legal stand in jeopardy,
ensuring customer evaluations adhere to due diligence
requirements as well as international compliance and
regulatory standards.
Secondly, i-Apply supports the Loan Review process,
ensuring a loan file is never left incomplete.
i-Apply allows auditors to review the origination lifecycle,
supporting the completeness and documentation adequacy,
ensuring process integrity and compliance to the bank’s
credit policy.
market conditions and the institution’s risk appetite as
rapidly as they may evolve in time.
With reusable and highly configurable workflow capabilities,
the bank can address changes with minimum operational
disruptions.
New or updated products can be rolled out fast, targeting
new market segments and implementing a variety of pricing
strategies or customer segments.
time and with the right information.
Utilizing a central catalogue, i-Apply provides a single view
over all products integrated with the Core Banking System.
Subsequently, new products may be designed within i-Apply
from existing CBS components, maintaining control over
cost. This provides the bank with the ability to introduce
fast, and at a fraction of the cost, a wide variety of offers and
campaigns without increased infrastructure and operational
complexity.
IMPROVE COMPLIANCE
DETAILED AUDITING ALLOWS FOR FULL CONTROL
ADAPT WITH GREAT FLEXIBILITY
ADD AND MANAGE NEW PRODUCTS IN NO TIME, AT NO ADDITIONAL COST

4. i-Apply provides users with a rich set of HTML5 interfaces
for in-house and Channel users (e.g. Desktop, Web-based,
Tablet, Smartphone).
Depending on their role (individual or group assigned), users
may initiate, perform tasks (e.g. approve, reject), own or have
oversight on loan applications in a fully auditable environment.
i-Apply offers such a consolidated data platform, which in its
turn can produce additional insight into customers and their
needs, allowing for generation of new products and services.
More than that the entire organization operates in a uniform
and orderly manner. The end-to end system owns process
automation, definable workflows and activity monitoring
and business event alerts enhancing the consultative service
capabilities of the credit officers enterprise-wise and
inevitably reinforces all the aforementioned customer
satisfaction key parameters.
Users find using i-Apply to be a positive experience and
compare it favorably with their experiences using alternate
solutions. i-Apply makes it possible to run most of the day’s
functions, making it a convenient solution both for the busi-
ness and the IT users of the organization.
In addition to the increases in efficiency and productivity,
i-Apply business users comment positively on the added
simplicity of using an end-to-end system, particularly when
it comes to addressing fast paced demands of the market.
An integral part of the solution is the i-Apply Document
Management System (DMS), which controls the life cycle of
the Loan Documentation File.
i-Apply DMS is built to ensure the bank achieves completeness,
consistency and efficiency in the production of Loan
Documentation. The DMS facilitates the creation, storage,
With enhanced support of credit risk management at both
the business unit and enterprise level, i-Apply business
users have decision-quality information from the data mart
at their fingertips.
Business users can utilize the data mart in order to investigate
the status of loan applications, identify bottlenecks and
issues and explore performance trends and new business
opportunities.
Information is exchanged between i-Apply and the CBS/CRM,
providing users with the necessary customer information
such as financial details, employment information, collateral
management and valuation, etc. in a multilingual
web-based environment.
retrieval and retention as well as archival of the file, while
it allows the bank to define and use standard document
templates for each type of product.
Equally, reporting and regulatory compliance efforts (i.e.
Basel II) are simplified.
With an improved, intuitive interface, i-Apply provides
business users with drag-and-drop functionality to create
freeform, dynamic reports without expensive, time-
consuming help from IT.
FRIENDLY USER INTERFACES
CUSTOMER SATISFACTION
USERS’ SATISFACTION
DOCUMENT MANAGEMENT
RICH, COMPREHENSIVE AND FLEXIBLE REPORTING OPTIONS
Relational S.A.
Pisistratou 52,
17674 Kalithea, Athens
Tel.: +30 210 9889300
Fax: +30 210 9881449
www.relationalfs.com
info@relationalfs.com
sales@relationalfs.com
marketing@relationalfs.com