MM Leasing – Solution for Origination & Monitoring of Leasing Contracts and Management of Assets
Responding to key leasing industry challenges
Shorter ‘time to yes’ & ‘time to cash’
Thanks to the use of data instead of documents as a value-generating asset, MM Leasing allows for a high level of digitalisation and automation of processes. The controls built into the system make the process significantly faster and simpler.
More efficient sales
The use of a catalogue of products and a matrix of documentation and collaterals, a predefined set of rules and built-in controls leads to optimal support to sales staff.
Customer-tailored offers
By collecting information on customers and their needs, we facilitate the definition of an optimal offer for a particular customer, in a way that is uniform across all sale channels. This both increases customer satisfaction and possibilities to acquire customers.
Enhanced risk management process
MM Leasing has an automated data collection and processing system. It can check for more than 100 exemptions and it incorporates all business and risk management rules. This ensures that the analytical capacity can be focussed on the most relevant part of customers’ applications and allows for the reduction of operational and regulatory risks.
MM Leasing can be applied to any financing product and targets various customers and channels

TYPES OF PRODUCTS
+ Financial leasing
+ Standard operational leasing
+ Fleet management
+ Public tenders
+ Products including vendor subsidy
+ Special products

CUSTOMERS
+ Legal entities – corporate
+ Legal entities – SMEs
+ Private individuals
+ Sole traders
+ Professionals

CHANNELS
+ Branch offices
+ Digital channels
+ Agents
MM Leasing – technical features of this solution allow for operational flexibility and efficiency
MM Leasing supports the end-to-end leasing process

CUSTOMER
ACQUISITION
Involves new and existing customers who have contacted the leasing company with a quote request or who have submitted a financing application through any channel. If it is through a digital channel, the identification is performed by using artificial intelligence in line with PSD2 standards. By using a catalogue of products and a questionnaire, MM Leasing offers the customer an optimal combination of products or a single product.


DATA
COLLECTION
Involves customer data collection from available sources. MM Leasing is integrated with both existing internal systems (core (e.g. Gemicro), data warehouse and others) and external systems (credit register, Bisnode, financial statements (GFI), PSD2 and others). At this stage, the necessary documentation is also collected, digitalised and enclosed to the file.


LEASING PROPOSAL
PREPARATION
Involves the creation of a leasing proposal by a leasing advisor or automatically in the case of a digital channel. The preparation is easier thanks to the use of a catalogue of products, a documentation matrix and a matrix of collaterals, as well as value curves per leased asset. They all define standard terms and conditions at the leasing company level that are automatically transferred into the leasing proposal.



APPROVAL
Involves automated formal and material controls (100+), an automated determination of the level of approval of the credit proposal and setting up the required approval path. Apart from automated controls, it is also possible to include human control. This phase implies the flow of the approval path, which includes decision-making staff and expert functions such as Risk Management, AML, Legal Office, etc.


CONTRACTING &
DISBURSEMENT
Involves the process of contract verification, creation and signature, an automatic record creation in the core system, as well as the preparation for disbursement and the creation of a payment order which is forwarded to the core system.


MONITORING
Involves the automated control of various early warning signals (ERW signals), support to regular annual control of customers (review), as well as rating and PD calculation (periodical or upon request). In addition, it involves the calculation of the present value per leased asset and the calculation of the necessary provisions or impairment according to IFRS 9 and IAS 39.
MM Leasing – a modular and flexible solution as a response to business and regulatory changes

CUSTOMER
SUPPORT
FIT
- Product selection and data entry
- Identification of product combination representing an optimal ratio between customer needs and the leasing company’s objectives

USER INTERFACE FOR LOAN
ORIGINATION & MONITORING
DATA COLLECTION
- Customer selection and data collection
- Documentation collection
APPLICATION DRAFTING
- Transaction structuring (financial leasing, operational leasing, public tender, etc.)
- Application analysis and opinion preparation
- Present value of assets
APPROVAL
- Determination of approval path
- Specific types of tasks (entry control, risk management, legal office, etc.)
- Notification and escalation
CONTRACTING & PAYMENT
- Contract data entry
- Contract control process
- Collaterals
- Automatic creation of contract and payment orders in the core application
MONITORING
- Entry of regular annual customer control (review)
- Analysis of the customer and preparation of an opinion
- Monitoring of the present value of assets

CUSTOMER &
PARTNER INTERFACE
CUSTOMER ZONE
- Product selection and data entering
- Calculation depending on product conditions
- User inbox
- Application status monitoring
- Documentation upload
ONLINE IDENTIFICATION & PSD2
- Video identification
- Comparing ID card photo with real time video
- OCR text from ID card
- PSD2 login to another bank
- PSD2 transaction data collection from another bank
- PSD2 AI scoring
SUPPLIER MODULE
- Access rights
- REST API

COMMON
MODULES
DECISION-MAKING & SCORING
- Calculation of customer PD and rating
- No-go criteria and exemption control
- Setting up approval level and approval path
- Calculation of financial indicators
REGISTERS & CATALOGUES
- Users and authorisations
- Catalogue of products
- Limit and credit lineregister
- Matrix of collaterals
- Documentation matrix
- Value curves
DMS
- Central entry of documentation
- Required documentation checklist
- Creation of contracts and supporting documentation
- Automatic recognition of document type
- Credit file
INTEGRATIONS
- Master data and code lists
- Calculation of repayment plan
- Exposure and details on existing contracts
- Collaterals
- Automatic booking in the core system
360o CUSTOMER VIEW
INTEGRATIONS
- Associated legal entities / natural persons
- Exposure
- Portfolio profitability
- Fraud prevention
- AML
Financial reports
and indicators
PD & rating
Early warning signs
ASSET MANAGEMENT
- Calculation of present value of assets (as a basis for the calculation of provisions in accordance with IFRS 9)
- Calculation of asset impairments, in accordance with IAS 39 (operating leases and inventories)