MORTGAGES - e4 PRODUCTS

Description

A data-platform that enables banks to securely deliver bond instructions to third party vendor packages. e4’s Bond Switching uses state of the art public/private key encryption to maintain the integrity and non-reputability of instructions and actions.

Target Market

  • Banks & financial institutions

Benefits

  • Secure
  • Audited

Description

An end-to-end solution for banks and bond attorneys to interact on bond registrations and the preparation of bond documents.

Target Market

  • Banks/lenders
  • Used by Investec as an end-to-end solution

Benefits

  • Web-based
  • Secure
  • Cloud storage
  • Easy document generation
  • Easy navigation
  • Little to no training
  • Direct integration with bank bond process
  • Full control for bank of entire registration process
  • Instant feedback from bond attorney

Description

Docfusion is offered by AIS, a subsidiary of e4. The product is deployed within e4 as the preferred document generation technology platform for all banks. It is deployed on behalf of bank clientele, specifically for home loan transactions.

Document generation is paramount to any process that requires automation to eliminate paper. As a business service, e4 evaluates document requirements, assesses the business rules and data topology with the aim of building and managing changes to templates as they evolve over time.

Target Market

  • All entities seeking to replace costly paper processes with secure electronic versions

Benefits

  • Expertise in analysing document requirements
  • Simplification of template management
  • A centralized and secure repository for all business templates ensuring the use of most recent templates
  • Strict version and content control of all templates
  • Being scalable and robust, Docfusion manages varying generation volumes, from a single user to enterprise volumes

Description

Used by four of the top five mortgage banks in South Africa and their attorney panels, Stordoc is a complete, secure online FICA and document management solution for secure scanning and enforcing all FICA and document rules in the system (catering for individual customers and all types of juristic entities).

Stordoc includes a complete workflow system to review and approve (or reject) electronic documents and is fully compatible with our document generation and electronic signature solutions.

Stordoc is ideal for institutions looking to manage any documents received from third party channels, such as attorneys, brokers, agents, dealerships, as well as from branches.

Target Market

  • Financial institutions and attorneys
  • Any corporates and consumers

Benefits

  • Cost savings and process efficiency gains, via paperless processing
  • Compliance benefits by enforcing compliance (FICA/KYC/AML) rules
  • Range of MIS and reports
  • Third party data sourcing and validation
  • Fraud and money-laundering mitigation
  • Enhanced security at a data and document level
  • Customer benefits and improved user experience
  • Secure, web-based review of electronic documents
Workflow

Description

SearchWorks is a web-based information portal enabling business sector users to perform a vast range of data searches from one secure platform. For more information on SearchWorks, please visit the SearchWorks website at www.searchworks.co.za.

Target Market

  • Business communities related to the 125+ unique search types on offer

Benefits

  • A single aggregated portal to access every credible source of data in South Africa
  • Accurate data through live searches (we pride ourselves on the quality of our data and support)
  • Connects business communities to source data in their respective niche
  • Fast results developed using the latest technology
  • Customisable to specific needs
  • Utilising cloud technology greatly increases the reliability and uptime of this application
  • API services available to high volume clients
  • User friendly
Workflow

Description

The e4 Bonds Tracker application provides clients the ability to track the progress of his/her bond from inception to registration, on their mobile device.

The client is able to see the progress of their matter through the Deeds office and also communicate with the bond attorney and bank.

Target Market

  • Banks or bond attorneys to provide clients the ability to track the progress of their home loan and property purchase

Benefits

  • Mobile
  • Secure
  • Direct communication between bank/attorney and client

Description

Using advanced technology, ProSign enables customers and law firms to electronically sign home loan documents, using either a signing pad and/or tablet – an industry first.

The product includes the recording of forensic biometrics (i.e. the weight, timing and touch points of each electronic signature). The use of digital certificates underpins the signing process.

All eSigned documents can be easily uploaded to Stordoc, removing the need to scan these documents.

Target Market

  • Financial institutions
  • Credit providers
  • Regulated professionals (e.g. attorneys)
  • Businesses

Benefits

  • Time, direct and indirect cost savings as a result of a true paperless process.
  • A vastly improved customer experience due to reduced signing time.
  • Improved performance due to reduced document errors minimising processing time and increasing potential future instruction volumes
  • Documents are guaranteed to be accurately signed reducing rejections and rework
  • ProSign uses leading encryption and signing technology to complete the process, optimising security and evidence
  • ProSign acts as an anti-fraud measure offering full biometric forensic evidence per signature/signer for both future analysis or legal proceedings
  • Environmental benefits are offered by removing the need to print paper

Description

Signing Hub is a cloud-based signing solution enabling business processes to continue without the intervention of paper documents. Signing Hub effectively replaces paper-based approval processes and related paper costs, while improving security and expediting business processes by managing workflow processes. The solution provides options for either a verified digital signature or an advanced electronic signature to be applied, producing a legally admissible signature.

Business approval process efficiency improves with a more dynamic and convenient signing solution available on mobile devices and the Signing Hub application for the popular iPad.

Target Market

  • Financial institutions
  • Credit providers
  • Regulated professionals (e.g. attorneys)
  • Businesses

Benefits

  • A vast reduction of paper and consumables costs
  • Increasing workflow efficiency
  • Allowing for flexibility in approvals processes
  • A vast reduction of storage costs
  • Compliance with South African legislation with regards to electronic originals as stipulated by the ECT Act

Description

PaySwitch is a payment switch assisting all stakeholders in real estate property transactions with an automated payments switch.

Target Market

  • All stakeholders in the home loans/conveyancing process

Benefits

  • Real time payment instructions are sent through automatically on receipt of registration confirmation from e4’s DOTS (Deeds Office Tracking) system
  • Automatic checking of bank account details that are to be paid into, via an Account Verification Service (AVS)
  • Automatic checking of the number of payment guarantees, Loans Debit Authorities (LDAs) and payments to be made, including account numbers and amounts
  • Automatic checking of the total of payment amounts in the LDAs against total loan amount
  • Full audit trail of all payment instructions, including acknowledgement of payment instructions by bank and full reconciliation function also available

Description

A complete, secure solution to verify and confirm a client's fingerprint biometrics directly with the Department of Home Affairs (DHA) enabling the authentication of an identity.

The product is most suitable as an effective anti-fraud measure to confirm the identity of the person engaged in the transaction in real-time.

Target Market

  • Accountable institutions (under FICA)
  • Financial institutions

Benefits

  • The enrolment of several fingerprint biometrics of a client
  • Various matching checks can be done at source during enrolment
  • Verification of fingerprint biometrics against DHA's records

Description

e4 provides detailed MIS (Management Information Statistics) from the data and metrics contained within our workflow solutions.

We are now starting to deliver Business Intelligence (BI) solutions. With this approach, we are able to deliver value to clients through customisable management and transactional reports. All reports can be delivered to users via e-mail.

Target Market

  • All clients as a value add for all our solutions

Benefits

  • Accurate and live reporting allows for insight into one’s business at any time
  • Trend and forecast reports enable informed decision-making
  • Available in many forms ranging from online web reports and dashboards to scheduled exports to PDF and Excel
  • Performance management across a product, process or group of staff are easily measured through system metrics
  • Access to information on an as-needed basis (ad hoc report writing)

Description

Stortality is a value-added offering and a way to monitor the efficiencies of staff using Stordoc through reporting.

Target Market

  • Stordoc users

Benefits

  • View all key Stordoc management information
  • Manage your staff’s performance proactively & reduce rejections on Stordoc
  • Reduce your turn-around times
  • Ensure your staff undertake training regularly

Description

ValueNet allows a bank to send electronic instructions to commercial property valuers, enabling these service providers to complete commercial property valuations systematically.

Benefits for the bank

  • Instructions are sent electronically from the bank to the service provider – no more reliance on manual emails
  • Increased & transparent control of allocations – this is done systematically
  • Accurate measurement of SLA
  • Analytics – pre-defined reports come standard, but the MI suite can be enhanced or amended in accordance with client specification
  • Enhanced accounting features – invoices and statements are generated automatically

Benefits for Service Providers (Valuers)

  • Standardised input – valuations are completed on a uniform system that guides the process
  • Direct integration – completed valuation data is passed directly into bank systems
  • Removal of email – valuation reports are part of the application hence removing the need to email separately
  • Performance tracking –  service provider scorecards creates competition which drives an increase in valuation quality