Finance
Finance: cash management, bank statement reconciliation, GRC, data protection.
Challenges
- No customer risk profile is recorded, so limit decisions rest on gut feel.
- Identity verification documents sit in a separate folder and cannot be found during an audit.
- Collection delays are noticed too late.
- The periodic regulatory report is prepared by hand.
- The approval workflow advances before missing documents in the loan file are completed.
Workflows
Customer onboarding and risk
- A customer record is opened and identity verification documents are attached to the file.
- A risk profile and a limit are defined.
- A transaction that exceeds the limit raises a warning.
Collection and reporting
- A payment schedule is defined and collection enters tracking.
- Overdue balances appear in the ageing report.
- The periodic regulatory report is generated from the records.
Documents
- Sales invoice
- Identity verification file
- Risk and limit record
- Regulatory notification listing
Reports
- Account ageing and exposure
- Due-date and overdue report
- Revenue by service
- Regulatory notification listing
Metrics
- Average collection period
- Number of limit breaches
- Average revenue per customer
- Overdue rate
Compliance
- Know-your-customer (KYC) obligation
- Suspicious transaction reporting
- GİB e-Invoice / e-Archive
- Kvkk
Glossary
- Risk profile
- Account risk limit
- Identity verification
- Verification record attached to a document
- Payment schedule
- Account payment schedule
- Regulatory notification
- Periodic official filing
FAQ
Can I define a risk limit?
Yes — every customer gets a risk profile and limit, and a breach raises a warning.
Can I attach identity documents to the file?
Yes — identity verification documents are stored in the customer file.
Can I spot delays early?
Yes — overdue balances show up in the ageing report in real time.
Can I generate loan instalments automatically?
Yes, the payment schedule becomes a due-date table and each instalment creates a debt entry on its date.
Can I keep interest and commission as separate revenue lines?
Yes, interest income and service commission are posted to separate accounts and reported separately.
Can I block approval from advancing when documents are missing?
Yes, mandatory documents are defined on the loan file; the approval step does not open while any are missing.
