Infinity is a comprehensive loan management application which consists of a tablet-based field data collection module integrated with a web-based centralized processing solution for the management of lending and financial services operations. It is closely aligned with micro-finance institutions’ processes and the business correspondent operations model.

Functional capabilities of Infinity include support for loan origination (individual, group, and MSME) and loan servicing covering the complete loan lifecycle from disbursal to payment processing, center management, KYC and credit bureau verification, loan underwriting, collateral management, periodic review, collections and delinquency processing, funding line management, and securitization. It comes with a rich suite of business intelligence and MIS reports, and is complemented by security management, dual-control, and audit-trail features.

Infinity is designed for high-speed, high volume loan application processing and allows users to process individual loan applications in 20 minutes from customer record creation to loan disbursal cheque issuance, and small business loan applications in 35 minutes from customer record creation to loan disbursal cheque issuance.

Customer sourcing:

• Prospect enrollment – Demographics, Photographs, signature, and KYC document collection. Customer risk-level based KYC refresh cycles.
• De-dupe engine and Credit Bureau checks for Fraud Detection
• Supports Salaried applicants (salary statement capture and verification), Farmers (Scale of Finance calculations, and Farm Income Assessments, based on cropping and livestock data), and Self-Employed/Small Business applicants (revenues, input costs, and overheads estimates.)
• Customer-Customer relationships and enrollment of Guarantors
• Contact Point Verification and Address Proof document collection
• Multi-dimensional PSL Classification

Loan Origination:

• Highly parameterized Loan product definition with over 300 configuration options.
• Configurable, product-specific, loan origination workflows: Every application starts with Initiation, and ends with Completeness check and dispensation
• Intermediate workflow steps can be configured to be executed in any sequence, sequentially, or in parallel, by an individual loan officer, or by members of one or multiple departments.
• Document collection, fee review, Debt Review, Collateral data collection, Bank Statements and Financial Statements, Insurance and Guarantor information, Student Loan information, Bureau verification, Income proof, Loan Covenant options review, Linked loan applications, Credit Committee sign-off, Notices and Disclosures, are some of the options available for intermediate steps.
• Supports both Heuristic and Logistic Underwriting models, with multi-level approval rules and privileges. The highly configurable underwriting module allows banks to deploy New and Upgraded underwriting models within minutes, with no coding overhead.
• Applicant initiated loan applications, and pre-qualified loan offer processing support.

Disbursal and Post-disbursal processing

• Supports disbursal by Cash, Self-cheque, 3rd Party cheque, or Bank Transfer
• Configurable Post-disbursal process workflow covers document collection, collateral information, Loan agreements, Project Progress review, and phase-linked disbursals, Drawing facility, Annual (periodic) review, Covenant enforcement, Alert generation, review, and disposal.
• Payment processing – individual payments, payments through aggregators, and payments through field (BC) agents.
• Collections calling and delinquency processing.
• Loan rescheduling, and payment holiday facilities.
• APIs exposed for 3rd party integration.

Operational Processing:

• Center Creation, splitting and merging
• Meeting Schedules and Attendance Recording
• CGT / GRT
• Financial Literacy Training module
• Due Sheet Generation
• Bulk-processing for Disbursement, repayments and rescheduling
• Label Generation and Printing
• Holiday & Calendar maintenance
• Business and Process Audits

Utility Modules

• Cash / Accrual accounting & Cost Center Accounting, with Customizable Chart of Accounts
• Trial Balance, Day Book and Cash Summary & Projections
• Configurable “At-a-glance” Dashboard
• Consolidated reports at Branch / Company level
• Management Reporting, Key Statistical Summaries, and Operational Reports
• CGT and GRT modules Financial Literacy training and Group Lending
• Customer communication campaign design and execution facility
• Configurable user-security and access control management, with detailed audit trails. Maker-Checker dual control for key functions.

Design Elements

• Comprehensive Report suite covering performance and control monitoring, with real-time dashboards for users to track Key Performance Indicators
• Highly parameterized system with user-managed master tables – over 700 parameterizable options
• Designed for smooth and efficient workflows – task assignment and tracking
• Mobile-based module for field operations with Remote-location data capture and uplink facility
• Built-in error report and Help desk integration
• Open Systems Architecture

SatisACTual is a comprehensive Customer Contact Management System designed and built at DATAWISE^® to handle all outbound contact across channels. SatisACTual supports all three major phases in the contact program life-cycle: Design, Execution and Monitoring.

It has been used for over two decades to conduct tens of thousands of surveys across multiple channels.

It provides a single platform for executing campaigns across phone, web, field and SMS channels with seamless interoperability and redirection capabilities. It collates and coordinates responses across multiple channels on a real-time basis, with follow-up management and instant escalations upon adverse feedback. It has built in workflows and is designed to support collaborative, team-driven operations with different team players playing different, critical roles on the program.

• Its powerful and highly flexible Questionnaire design module allows you to build complex Questionnaires and administer them over multiple channels. Scripting and branching allows users to create a very personalized survey instrument tailored to the customer’s relationship with the institution.
• Customer responses can be filtered on the basis of qualifying responses ensuring adherence to defined target segment attributes.
• It has built-in rest-and-retry capabilities allowing optimal coverage of targeted lists, and also has provisions for recording customers’ do-not-call privacy preferences for future use.
• It provides extensive support for multi-lingual operations to best manage interactions with customers across different geographies and socio-economic segments.
  
• Survey responses are available real time on a web-portal with verbatim responses which helps managers to understand at a very granular level.
• Escalation and Follow-up: real-time notifications when a response meets pre-set criteria, such as a low rating, ensuring that customer concerns are addressed as soon as possible once identified.
• It provides a Secure environment where programs can be designed to operate in a blind- or double-blind mode. Data confidentiality and customer privacy is protected through its purpose designed interfaces with configurable privacy levels.
• SatisACTual has in-Built Dashboards and Reports for Trending and Root Cause Analysis, which enables brand managers and product managers to track long-term performance of both overall customer perception, and customer views on specific elements of the brand and service proposition.
• SatisACTual is a solution designed and built by practitioners with a focus on practical implementation details that make it a rugged, easy to use tool in all conditions.

Technical Features of the solution

• Web-based application
• Cloud-based SaaS implementation as SaaS
• Open-sourced platform
• API and File based integration capability
• Android Tablet/Mobile based with 100% off-line capability
• Data encryption, transmission and rest
• Uni-code support for multiple languages

DatTab is DATAWISE^®’ proprietary, Tablet based mobility platform for data collection, storage, dissemination and analysis from remote locations. Its’ capabilities enhance and complement SatisACTual through a seamless interface that allow users to broadcast Questionnaires, and target lists from the SatisACTual host to a geographically dispersed field force for field-survey execution.
It is designed for fully functional Off-line operations with Store-and-forward feature to ensure uninterrupted data collection even in environments where data connectivity is poor.
All responses collected through DatTab are Geo-Coded and time-stamped data which helps to monitor when and where the response was recorded, and check for spurious and robotic responses.
DatTab reflects SatisACTual capabilities in ensuring Data privacy and customer confidentiality, as configured for the program. It features encrypted Data transmission with Device Registration to provide dual security for transmitted data.

We have all experienced and seen patients in hospitals and doctors’ clinics, juggling with bulging folders containing years of medical history information – poorly organized and poorly archived, and often with large gaps of missing information. We have seen caregivers and guardians struggle to provide correct information to doctors and hospitals information about past medical history – information which could determine which of multiple treatment options are to be pursued.
A convergence of Regulatory mandates and Automation initiatives on the part of hospitals and pharmacies has resulted in a tremendous increase in digital medical records, but from a patient perspective, these still remain scattered and inaccessible. Tan-durust ties all these together and places the data at the individual’s command.
The tan-durust mobile application collates health and wellness data for subscribers and their families in one place. tan-durust organizes and de-clutters individual and family medical information so that not only is it easy to store and find, but is also accessible for family members and caregivers when the individual himself or herself is incapacitated.
Going beyond this, the tan-durust solution also provides for monitoring key health indicators on an ongoing basis, and providing reminders for medications and preventive health check-ups, both for the individual user and for those that he/she is responsible for.
While tan-durust allows users to enter data, it also provides for integration with hospitals and hospital chains where key medical information can be transferred to tan-durust through APIs, and for integration with home-use medical devices for test data to be easily transferred to tan-durust.

• The app allows users to enter key medical data from annual health checks and other doctor visits, or to import it from existing sources.
• Past Hospitalization information, such as hospital, dates of admittance, attending Physician’s name and symptoms are collected.
• Information about Known Allergies can also be stored.
• History of Health-checks, vital statistics, and lab results from past health checks data is included in the app.
• The app also tracks physical activity and wellness metrics such as heart rate, number of steps taken, distance walked etc. for the mobile phone user.
• The app maintains information about current medication and dosage and auto-generates refill-reminders.
• The app also keeps track of medical appointments and generates reminders.
• The app employs Artificial Intelligence techniques based on historical data and known benchmarks, to detect the user’s current state of health, and generate warnings upon any deterioration in indicators
• Availability of this information in one location makes it convenient for the users, and in case of emergencies, critically important.
• The app also allows related members to register as a family so that key medical information for all family members is available/accessible to everyone in the household.

Customer Feedback Online Reporting (CFOR™), is a paperless system for reporting, tracking, and bringing to resolution customer Issues.
It supports activities of two primary kinds of users – customers and support personnel. A customer is a person who identifies an issue and reports it. Support personnel are charged with identifying and implementing solutions to the reported issue.
Once an issue has been identified, a member of the support team shall be able to perform analysis of the root causes, form a team to work on the reported issue, forward the issue to other supported team members, request for additional information from the customer, prepare and maintain notes, suggest workarounds and mitigants, or mark the issue as solved.
A customer may accept the suggested solution to close an issue, or reject the solution, resulting in a re-opening of an issue.
CFOR^™ also provides for recording the customer’s feedback once the issue has been marked as resolved.
CFOR^™ also provides for comprehensive MIS, Analytical reporting and tracking options for management of the help-desk function.
CFOR^™ also provides for collaborative work processes and workflows for smooth help-desk operations.
CFOR^™ also provides audit trails to track changes in data, and dual control for key functions to protect the system from accidental or intentional mal-configuration.
CFOR^™ ensures complete data confidentiality and security of data housed in the system.

Features of the system include:

• Configurable workflows
• Rules-based, integrated approach
• e-mail alerts for key Milestones and updates
• User viewability of all alerts
• Audit trail of all alerts and follow-up actions taken
• Search facility on all fields

Customer Delight

State Bank of India
A satisfied customer is the best business strategy - Michael LeBoeuf
State Bank of India ( SBI) is India's largest bank. SBI ranks in the top 50 Global Banks and also listed in Fortune 500 Companies is owned by the Government of India. For a public-sector bank with a global presence and a vast and diverse base of customers, understanding their customers' needs was critical.
Datawise^® conducted customer surveys at SBI branches across the country with a sample size of 3,000.
Using our proprietary tablet-based software - dATTAb - our field staff covered designated SBI branches covering both Tier I and Tier II locations, and held interviews with consumers across the demographic spectrum.


Airports Authority of India (AAI)
Your most unhappy customers are your greatest source of learning – Bill Gates
Airports Authority of India or AAI is a statutory body under the Ministry of Civil Aviation. AAI is responsible for designing, upgrading, maintaining, and managing civil aviation infrastructure in India. It operates dozens of airports in India. AAI provides communications, navigation, surveillance/air traffic management (CNS / ATM) services over Indian airspace and adjacent oceanic areas.
Datawise^® was entrusted the task of determining the state of the services and infrastructure in several of the airports operated by AAI. Field agents equipped with printed questionnaires went from airport to airport to conduct interviews with emplaning and disembarking passengers. the survey to provide the passenger with the questionnaire to fill it in the handwriting of the passenger. We used dATTAb^® to carry out second-level validations to ensure adherence to segment-level quota specifications. Using the technology platform allowed us to reduce the risks involved in identifying the target audience, to collect correct samples per airline per route/destination, and to identify any fraudulent field agent activities. After completion of the questionnaires, the questionnaires are subjected to further quality assurance inspection at our headquarters and then to the Airports Council International (ACI) team for Airport ranking.


Siemens
If you don't appreciate your customers, someone else will - Jason Langella
Siemens, one of the world's largest producers of energy-efficient, resource-saving technologies, is a leading supplier of power generation and transmission systems as well as medical diagnostics. As a global leader in its industry, Simens has customers in all six continents, with field support staff and customers interacting on a daily basis in a variety of languages to solve customer problems.
We conduct customer feedback surveys using CATI (Computer Assisted Telephonic Interview) using our multi-lingual skilled tele-calling team. The feedback thus collected allows Siemens to troubleshoot and re-engineer its processes to ensure that it met customer requirements on service and support efficiency and quality. We use the SatisACTual^™ and CFOR^™, applications to conduct customer and employee surveys for monitoring proactive and reactive service ticket efficacy at Siements field support offices across the globe.


Aveva plc (formerly, Schneider Electric)
The purpose of business is to create and keep a customer - Peter Drucker
Schneider Electric offers innovation and digital automation systems for efficiency and sustainability and integrates world-leading energy technologies, real-time control, applications, and facilities with optimized solutions for residences, offices, data centers, utilities, and business.
We conduct customer feedback surveys using CATI (Computer Assisted Telephonic Interview) and CAWI (Computer Assisted Web-Interviews) that allow Aveva to get detailed feedback from its customers on its product offerings, communication, literature, support and training programs. This feedback is used to prioritize product development investments, and to revamp online and off-line support infrastructure to best meet customer needs. Using SatisACTual^™, we are able to direct grievances to relationship managers in real-time to facilitate interventions that can salvage a rocky relationship.

Financial Analysis

Bharat Earth Movers Limited (BEML)
Care and diligence bring luck - Thomas Fuller
Bharat Earth Movers Limited, an Indian public sector company and produces a variety of heavy equipment, such as earthmoving, transport, and mining equipment. A public-sector bank with a global presence and a vast base of customers is renowned for its Metro Rolling Stock all made under the banner "Made in India." We were conducting due diligence on BEML's likely customers worldwide. Our report has been used to manage customer requests.


MAZ Systems
A good financial plan is a road map that shows us exactly how the choices we make today will affect our future. - Alexa Von Tobel
MAZ systems allow organizations to build world-class applications and serve content as never before. MAZ will carry your website, video collection, or print update to iOS App Store, Google Play, Roku, Apple TV, Amazon Fire TV, Android TV, Apple News, and more. MAZ's goal is to introduce global media platforms to companies of all shapes and sizes. In line with his goal, MAZ wanted us to understand the private aviation industry in the Middle East, and the areas where it might have an impact. We provided a detailed analysis of the Middle East market for the private aviation industry and possible areas where the company should focus its efforts on success. The company has formed its business plan based on this analysis.

Talent Enhancement

Andhra Pradesh State Skill Development Corporation (APSSDC)
Teaching in the Internet age means we must teach tomorrow's skills today. – Jennifer Fleming
APSSDC is a unique organization formed as a Public-Private Partnership to promote skill development and entrepreneurship in the state of Andhra Pradesh. Mukhyamantri Yuva Nestham (MYN), is an ambitious scheme launched by the Government of Andhra Pradesh to help the young generation of unemployed workers in the state to skill themselves for employability. Approximately 15 lakhs of state unemployed youth have benefited from this program.
We built training modules and deployed our coaches who spent time in a few districts of Andhra Pradesh, educating students and career ambitions on soft skills, interviews, community discussions across colleges. We visited several colleges in a few districts throughout Andhra Pradesh and provided data analytics and other specialization programs.


Bank of India
Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients. - Richard Branson
Bank of India (BOI) is a public sector bank run by the Government of India. Bank of India is a founding member of SWIFT (Society for Worldwide Inter Bank Financial Telecommunications), which provides cost-effective financial processing and communication services. In line with the mission, "Providing superior and proactive banking to niche markets globally. Bank expected us to build a Learning Management framework for its employees while they revamped existing e-learning modules.
Our tasks included the development of content and modules and the quality assessment training programs.

Brand Track

State Bank of India (SBI)
A brand is no longer what we tell the consumer it is -- it is what consumers tell each other it is." – Scott Cook
State Bank of India ( SBI) is India's largest bank. SBI ranks in the top 50 Global Banks and also listed in Fortune 500 Companies. It is owned by the Government of India. With its global presence and a vast and diverse base of customers, it was critical for SBI to understand the perception of the SBI brand across different customer segments, and to formulate its positioning and communication strategy accordingly.
We conducted a Brand Tracking survey on Retail and MSME clients across mu;tiple target segments across all major cities of India with a sample size of 16,000. The survey covered SBI customers as well as customers of other banks, and customers with dual relationships to determine the gap between Brand positioning and Brand perception, using the RATER model.