LEVERAGE ALL THE BENEFITS OF DIGITAL LENDING:
SPEED, EFFICIENCY AND LOWER COST

Why Akouba?

Akouba’s cloud-based SaaS platform was designed to help financial institutions meet the lending needs of their commercial and consumer borrowers, while also maximizing profits. By combining the scalability of a cloud-based SaaS platform with the compliance and security required by financial institutions, Akouba delivers a truly seamless digital solution.

When you implement Akouba, your institution retains control over the loan decision, pricing, credit policy, risk metrics, loan dollars and the account holder experience. But you and your borrower simultaneously benefit from an enhanced digital experience that minimizes cost, time and risk and maximizes approval rates.

Closing Icon

Take a loan from application to closing, online

Cross Sale Icon

Increase cross-sale penetration

Decisions Icon

Decisions made within 48 hours

New Accounts Icon

Acquire new account holders

Secure Icon

Secure, cloud-based SaaS platform

24-7 Icon

Seamless 24/7 digital experience

Max Approval Icon

Maximize approval rates

Increase Icon

Increase profitability of even the smallest loans

Minimize Icon

Minimize cost, time and risk of originating loans

Auto Book Icon

Loans are automatically booked and funded to the financial institution’s core

Product Features

Akouba is an end-to-end digital lending solution, with a suite of capabilities that take the guesswork out of the loan origination process. From application to closing, each module supports your institution in delivering for your borrowers seamlessly, quickly and efficiently.

Data-Driven Marketing & Targeting

By analyzing your accounts, Akouba can identify prospects likely to borrow from your FI. Using our data-driven approach, Akouba can help you engage with account holders in need of credit or those accessing credit outside of your FI.

Renewals/Review

Using your existing customer portfolio, Akouba can automate the collection of data, send communications to your borrowers, and provide a dashboard view of your annual renewals or interim reviews.  This can reduce your time and cost by as much as 50% .

Automated Financial Analysis & Spreading

Cloud-based automated software solution  eliminating the need to manually spread deals. Your lending cycle becomes more productive, determining applicant qualification in seconds.

Workflow Tracking
Workflow Tracking

Akouba’s platform gives visibility to the stages that have been completed at each step of the process, helping to facilitate cross-departmental communication and accelerate the loan’s end-to-end time.

Tax Transfer Signature
4506T Tax Transcript Signature

Akouba’s platform uses the 4506T form in our application to dynamically pull tax return data that is secure, accurate and quickly collected.

Automated Doc Management
Automated Document Management

There is one central location where all documents live and can be referenced in any calculations that are made by the platform or any of your analysts. Documents can be systematically requested and uploaded through our portal.

Funding
Funding

You’ll have the ability to import loan files directly into your core to book and fund the loans. Akouba also integrates with several third-party systems to automate booking and funding the loan.

Paynet Credit History Reports
PayNet Credit History Reports

The PayNet Credit History Report (CHR) and PayNet MasterScore® v2 – available in the Akouba platform, provide more robust small-business credit data while reducing costs and increasing efficiency.

Risk Rating & Financial Analysis
Risk Rating & Financial Analysis

Akouba’s platform collects and aggregates all of the data your financial institution needs to decision a loan, then compares that data to your unique credit policy and risk rating metrics.

Transfer Data to LaserPro
Transfer Data to LaserPro

Truly automated end-to-end functionality needs to include a digital process for the closing phase of the lending process. All the information in the Akouba platform can be transferred to LaserPro with one click.

Pipeline View & Lead Generation
Pipeline View & Lead Generation

You’ll have the analytics and the ability to track how many people are viewing, starting and completing your application so you can do a better job forecasting the week ahead.

Omnichannel Application & Borrower Portal
Omnichannel Application & Borrower Portal

We’ve optimized the experience and rich features to provide the best, simplest and most secure portal for your borrowers to easily input all of the data you need to make a lending decision.