Loan origination: Manage loan origination, capture customer information, documents and geolocation directly from the field and synced to the server in real-time. In the case of poor internet connectivity, the user can store the information offline.

1. Instant document capture and verification
2. eKYC, Aadhaar data capture
3. Instant credit bureau check
4. Location-aware verifications

Underwriting:
The app pushes the information captured at the field in real-time to server and Finflux's underwriting algorithms assist the field officer about the opportunity


Smart Collection:
The solution provides an optimal loan repayment collection schedule based on customers' location and availability. Collection confirmation can be issued using Integrated thermal printer for paper receipts or notified by SMS/Whatsapp messages

Cross and up-selling:
Based on customer additional data system helps relationship officers to make informed decisions about suggesting the right products to customer

offline: In an unreliable network or no network region, the app works in offline mode and performs loan collection, loan origination

Using Finflux solution Vaya is able to achieve the best productivity outcome when compared to the microfinance industry in India