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"Success is best when it’s shared"
Howard Schultz

ADMP

Customizable reporting

LAP

Dashboards

Mobile Application

ADMP

Affordability and Deduction Management Platform

What is the ADMP

The Affordability and Deduction Management Platform (ADMP) is an online, real-time platform which manages third party deductions on payrolls.

What makes the ADMP unique are the rules which are implemented to ensure that an Employee is never left with a zero or negative NET salary.

The rules are governed by relative local legislature, however the rules are fully customisable by the Employer, stipulating, for example, what the maximum percentage of the Employee’s salary may be used towards third party deductions.

How the ADMP works

Any Financial Service Providers (FSPs) who wish to deduct from payroll make use of the ADMP. When an FSP loads an Employee’s profile, they are given the calculated maximum monthly affordable amount which may be used towards an instalment.

Due to the platform being online and specifically real-time, the calculated maximum monthly amount is adjusted immediately and affects all FSPs, creating a secure environment for the FSPs as well as the Employees.

Only Accredited deductions are allowed on the payroll, the Rules Engine ensures that the employee cannot be over deducted.

The result of this is a 99,7% collection rate over the last 13 years doing over 30 million deductions

LAP

Loan Administration Platform

What is LAP?

Customizable reports and Dashboards
The LAP has been developed for Financial Service Providers who do not have their own platform to fully manage their loan book.

This includes the entire portfolio of a customer, from first contact, settlements of existing debts to ultimately loan management including the reconciliation of accounts, statements etcetera.

The LAP is fully integrated with the ADMP via it’s secure APIs.

This removes the need for the Financial Service Provider to make use of two different platforms as all the information such as customer details, affordability etcetera from the ADMP are immediately available on the LAP.

When a deduction is done, the instalment is automatically allocated to the customer’s loan on the LAP – no need for separate reconciliations.

LAP Functionality

End to end Lending Process
Option to White label

Onboarding

A customer is onboarded by either making use of the Mobile Application or directly on the LAP.

Integrations

Integrations are available depending on the requirements of the Financial Service Provider making use of the LAP and depending on the operating region. We have done integrations with credit and risk centres and credit bureaus.

Lending Rules and Affordability Calculations

The LAP has advanced lending and affordability rules built in. The rules of LAP are fully customisable by the Financial Service Provider with additional rules available at the request of the Financial Service Provider.

Customer Communication

The LAP can communicate with the customer through WhatsApp (conversational),Text Messaging, Email and Mobile App.

Mobile Application

The Mobile App enables customers and field agents to onboard themselves or customers, respectively.

Document upload of all the required documentation, for example, their ID document, payslips, bank statements and proof of residence, capture other required details such as their bank account, minimum monthly expenses etcetera.

It is available on the Apple App Store, Google Play Store and Huawei App Gallery.

After registration, the customer can sign required documentation on the mobile app, streamlining the onboarding process.

Budgeting Tool

Home Loan Calculator

Get in touch with us

[email protected]

087 138 8460

Where we are:

Block B, Lombardy Corporate Park, Shere AH, Pretoria, Gauteng, 0081

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