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CB::Connector – WORKING WITH CREDIT BUREAUS

CB::Connector is a lightweight service-oriented solution specifically designed to automate all operations related to credit bureaus. It ensures the collection, standardization to a unified format, storage, and provision of data about credit history and additional client information. This information can be used by risk management and the bank's security service when analyzing the creditworthiness and reliability of a potential borrower or during general analysis of client information in other banking business processes.

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INFORMATION SOURCES ABOUT THE BORROWER

  • First Ukrainian Credit Bureau
  • International Credit Bureau
  • Ukrainian Credit Bureau
  • NBU Debtors Registry
  • Ministry of Internal Affairs Lost Passport Registry
  • ABS B2
  • CS::BI Analytical System
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VARIOUS REPORT TYPES

  • Detailed credit history with information about the client and each of their loans
  • Consolidated scoring reports
  • Phone number verification (Anti-Fraud)
  • Passport verification in the Ministry of Internal Affairs database
  • Verification of negative information about credit application participants
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SYSTEM COMPONENTS

  • Client Workstation. Allows the operator to manually enter client details to search for data in external sources. Results are visualized in PDF format with printing capabilities.
  • Web Service. Provides integration with banking systems through information search requests with configurable timeout, processing priority, and other parameters. Returns data in standardized xml format in synchronous or asynchronous modes.
  • Procedural Interface. Specially designed for systems that don't work with web services. Allows data retrieval through a special interface view in the system database.
  • LDAP. The system supports user account and role management, as well as authorization through the LDAP protocol and synchronization of role lists with an external directory.
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  • Working with borrower data sources
  • Unified format for accessing external sources
  • Standardized format for providing retrieved data
  • Caching of current data to reduce the number of paid requests to external sources
  • Automatic online data uploading to credit bureaus
  • Monitoring uploaded data status and error control
  • Integration solution: web services, procedural interfaces, ABS interaction interfaces, LDAP compatibility

BUSINESS ADVANTAGES

The successful launch of the CBS B2 marks an important milestone for our Bank. Achieving a seamless, one-time transition sets a new benchmark for efficiency and innovation in banking. We deeply appreciate CS Company’s dedicated team for their commitment and relentless effort in this project’s success. We are excited for continued partnership and driving further advancements in our transformation journey
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Mihail Iovu
Chief Operations Officer, Moldindconbank
OTP Bank has been successfully collaborating with CS for over 15 years. During this time, a number of key projects have been implemented, including the development of reporting for the National Bank of Ukraine, the B2 operational system, a data warehouse, and internet banking for corporate clients. We highly value CS’s ability to offer comprehensive and integrated solutions, which have enabled us to automate end-to-end processes and significantly enhance our level of digitalization. We especially appreciate the flexibility and personalized approach of the CS team, which allows us to tailor technologies to our business needs and build a true partnership.
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Liliya Lazepko
Member of the Management Board, OTP Bank Ukraine
The new CFRONT platform is enabling GLOBUS BANK to confidently break into the retail lending market. Thanks to our partners at CS, the entire process now takes just minutes - only 1 minute for approval decisions and 10 minutes to complete all necessary loan documentation. Our customers and partners are going to love this efficiency. With such a powerful and user-friendly system as CFRONT, GLOBUS Bank has set ambitious goals for its expansion in the retail lending market.
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Olena Dmitrieva
First Deputy Chair of the Management Board, GLOBUS BANK

Undoubtedly, creating mobile banking is a combination of functionality, simplicity, and aesthetics. We are now seeing that our joint efforts with the development team are receiving positive feedback and show good user engagement dynamics. Bank Lviv fully supports open and transparent communication with clients: we share their needs and focus on the relevance of functionality

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Tamar Tkhelidze
Deputy CEO, Lviv Bank
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