NetSol Technologies Inc., a leading global enterprise software company, offers among its many products and services one of the most advanced credit automation systems available anywhere in the world. Its name is Electronic Credit Information Bureau (e-CIB) and it allows any commercial or governmental operation to fully automate the functionalities of a credit bureau. Completely web-based, the system provides the user direct and immediate online access to borrower financial data. It’s an end-to-end solution for credit bureaus, banks, and other commercial and government users.

e-CIB is state-of-the-art, incorporating Oracle and Java, with a secure interface made possible through the use of the latest SSL and VPN networking technologies, and also includes XML based integration. It’s a highly scalable system, able to handle an estimated increase from around 100,000 to 3 million credit information requests per month, and can easily grow with the user.

System capabilities are divided into three major components:

• Data Capture (data collection) – e-CIB greatly reduces the data entry and consolidation burden, decreasing associated errors, and is designed to minimize data upload time for fast operation.
• Back Office (credit profile generation) – The system provides easy and secure data storage and tracking, and can easily deal with large transaction volumes.
• Data Inquiry (customer service) – It can handle many concurrent users, with consistently quick and reliable credit application processing.

The bottom line is that e-CIB is a unique product, allowing users to more efficiently identify and monitor credit risk, and thus helps the user better approach potential customers by providing fast and accurate information regarding their credit rating and debt burden.

It’s a good example of why NetSol is always able to stay ahead of the crowd with leading edge offerings. The fact that the company is also one of only 100 companies around the world to have achieved ISO 9001, ISO 27001, and SEI (Software Engineering Institute) CMMI (Capability Maturity Model) Maturity Level 5 assessments, dramatically backs up e-CIB and all of their other products.

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