An innovative browser-based lending and account opening software suite designed to meet the needs of financial institutions in the 21st century. financial.center® is fast, easy to use, easy to navigate, easy to administer and 100% compliant. financial.center combines sales, loan origination, loan closing and deposit account origination modules in a tightly integrated customer-centric environment. 
sales.center™ starts the process by identifying the products available for the customer and giving the user the product information needed to answer important customer questions. sales.center provides financial.center users with a quick summary of each product along with feature highlights, speaking points and a link for more in-depth information. Integrated with a Marketing Customer Information File (MCIF) program, sales.center can also assist with targeted marketing and cross-selling efforts. From here, users proceed into deposit account opening with deposit.center™ or loan processing with AppCenter™ and loan.center™.
AppCenter™ is the consumer, commercial and real estate loan origination front-end for loan.center™ and LaserPro®. Integrating with today’s leading underwriting engines, AppCenter automates the process of a loan application from the time a prospective customer inquires about obtaining a loan until the lending decision is made. AppCenter comes complete with application documents and pre-closing disclosures for all 51 U.S. jurisdictions backed by a Harland Financial Solutions Compliance Warranty*.
Click here for more information on integration with loan.center.
Click here for more information on integration with LaserPro.
Tightly integrated with AppCenter™, loan.center™ takes a user from inquiry through closing in a matter of minutes. loan.center is financial.center’s loan closing module for consumer loans and lines of credit, as well as commercial and agricultural loans, lines and letters of credit. To streamline the closing process for high-volume loans, loan.center provides a traditional document set with a consistent language format that makes documentation review a breeze. loan.center comes complete with closing compliance documentation for all 51 U.S. jurisdictions.
deposit.center™ is the account opening module for checking, savings, NOWs, CDs and includes an optional IRA module. From account opening through check ordering, deposit.center allows users to set up overdraft lines of credit, safe deposit box rentals, debit cards, power of attorney and other offerings associated with new accounts. deposit.center comes complete with all the documents and disclosures for all 51 U.S. jurisdictions.
financial.center® Interfaces
Underwriting Interfaces
financial.center integrates with popular underwriting programs for credit bureau information and decisioning capability including Fair Isaac LiquidCredit® and Kroll Factual Data.
Host System InterfacesFair Isaac® LiquidCredit decision engine
The tight integration with financial.center allows users to receive credit bureau information and credit scores into app.center in real-time. A pre-defined score setting provides a trigger for loan approval or declination. Click here for more information on Fair Isaac® LiquidCredit.
Kroll Factual Data
Pull and parse liability information directly into app.center with Kroll Factual Data. This integration allows users to instantly receive a merged credit report with data from Equifax, TransUnion and/or Experian. In addition, the credit bureau data received will automatically populate the liability section of the app.center loan application. Click here to see a sample of the Kroll Factual Data credit report. Click here for more information on Kroll Factual Data.
financial.center interfaces with today’s popular host systems including Automated Systems Inc. (ASI), Bankline, BankServ, Computer Associates, Computer Services Inc. (CSI), Data Center Inc. (DCI), FPS, FTS, Jack Henry, Intrieve, ITI, Kirchman, Metavante, Modern Banking, OSI and Sparak. By using a standard CIF download, a standard XML export, or the ASCII standard Loans Export, financial.center reduces the amount of duplicate data entry needed to complete your transactions. Click here for more information on the ASCII-based File Import/Export utility.
Marketing Customer Information File (MCIF) Interface
financial.center takes the sales process one step further by integrating with Touché Analyzer, a MCIF and financial intelligence solution from Harland Financial Solutions. Touché Analyzer provides financial institutions with customer intelligence data that can help to segment their customers by profitability categories, cross sell additional products into their current client base and target their marketing efforts. Click here for more information on Touché Analyzer.
financial.center® Benefits
INTEGRATED SOLUTIONfinancial.center is the only lending and account opening product on the market today integrating Sales, Applications, Deposits and Loans into one browser-based solution.
INCREASE SALES AND PROFITABILITY
financial.center connects your loan origination and account opening software with your MCIF solution allowing you to increase revenue with cross-selling and target marketing opportunities. By matching customers with potential products, this combination allows service representatives to proactively identify new sales opportunities.
LOW ADMINISTRATION COST AND CENTRALIZED CONTROL
A thin client solution, financial.center allows for all maintenance and updating to occur on the server level. Once the test environment is pushed live, all users will automatically receive the most current data and documents. There’s no need to update or maintain the software on each individual desktop in a thin client environment. Product personalization and testing can be done from any browser. In addition, the browser-based client allows for flexible implementation and the Java-based architecture allows for a variety of server configurations.
COST EFFICIENCIES
A browser-based solution significantly reduces the cost and time associated with updating and maintaining the application. Studies show administrative costs are 10 times cheaper in an Internet Model vs. a Client Server Model.
INCREASE PRODUCTIVITY
financial.center helps to automate routine branch activities with easy, single data entry for all products and services. With screens that replicate actual applications, users are quickly walked step-by-step through the loan or account opening process and provided with the appropriate documentation to generate. To track the status of a transaction, financial.center provides a transaction history allowing you to see from any branch or center where in the process the transaction is. In addition, financial.center allows a transaction to be routed smoothly from one processor to the next regardless of the processor’s location.
SPEED TO MARKET
financial.center dramatically shortens the time to launch new products, services or new delivery channels. Once a new product is approved, it can become instantaneously available to all users. This ensures consistency of service delivery and enables rapid and cost-efficient deployment.
To learn more about this product or to schedule a product demo, please contact us at 800-815-5592.