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SME Loan Platform

PRODUCT CATALOGUE
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Contents
GLOSSARY .................................................................................................................................................. 4
1. INTRODUCING THE EZBOB SME LOAN PLATFORM.............................................................................. 6
2. SME LOAN PLATFORM PHASES ......................................................................................................... 7
3. ONBOARDING.................................................................................................................................. 8
4 SIMPLE STEPS TO ONBOARDING.................................................................................................. 9
Step 1: Registration ........................................................................................................................... 9
Step 2: Personal Details .................................................................................................................... 9
Step 3: Business Details.................................................................................................................... 9
Step 4: Link Account.......................................................................................................................... 9
Configuration ....................................................................................................................................... 10
Customization ..................................................................................................................................... 11
4. DECISIONING ................................................................................................................................. 11
SME Loan Platform Core Decisioning Functionality ........................................................................... 12
Underwriting Service ........................................................................................................................... 14
Configuration ....................................................................................................................................... 14
Customization ..................................................................................................................................... 15
5. ACTIVATION .................................................................................................................................. 16
THE ACTIVATION PROCESS ............................................................................................................ 16
Step 1: Loan Terms: View Loan Schedule, Legal Documents & Sign............................................. 16
Step 2: Bank Details & Payment Details (Direct Debit and Debit Card). ......................................... 16
Step 3: Confirmation (Loan Schedule) ............................................................................................ 16
Configuration ....................................................................................................................................... 17
Customization ..................................................................................................................................... 17
6. SERVICING ..................................................................................................................................... 18
SME Servicing..................................................................................................................................... 18
Lender Servicing ................................................................................................................................. 18
Broker Servicing .................................................................................................................................. 18
Scheduling .......................................................................................................................................... 18
Configuration ....................................................................................................................................... 18
7. MANAGEMENT TOOLS ................................................................................................................... 19
Business Servicing .............................................................................................................................. 19
User Admin ......................................................................................................................................... 19
BI (Business Intelligence).................................................................................................................... 19
Configuration ................................................................................................................................... 20
Customization .................................................................................................................................. 20
Broker Servicing .................................................................................................................................. 20
Configuration ................................................................................................................................... 20
CRM & Customer Communications .................................................................................................... 20
Configurations ................................................................................................................................. 21
Customizations ................................................................................................................................ 21
8. FURTHER INTEGRATION WITH BANKING SYSTEMS ........................................................................... 22
9. COMPLIANCE AND SECURITY .......................................................................................................... 22
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10. INFRASTRUCTURE AND TECHNOLOGY ............................................................................................. 22

Configurations ..................................................................................................................................... 23
APPENDIX: DATA SOURCES........................................................................................................................ 24
APPENDIX: SME SCREENS .......................................................................................................................... 27
Onboarding Screens ........................................................................................................................... 27
Step 1: Registration ......................................................................................................................... 27
Step 2: Personal Details .................................................................................................................. 28
Step 3: Business Details.................................................................................................................. 29
Step 4: Link Accounts ...................................................................................................................... 30
Activation............................................................................................................................................. 31
Step 1: Loan Terms: View Loan Schedule & Legal Documents & Sign .......................................... 31
Step 2: Bank Details & Payment Details (Direct Debit and Debit Card) .......................................... 32
Step 3: Confirmation (Loan Schedule) ............................................................................................ 34
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GLOSSARY

Activation: The phase following loan approval. During this phase the SME provides bank details

and loan repayment method. The loan terms are reviewed and legal documents signed.

The payment to the SME can be activated by ezbob or the lender.

Affordability: The automatic evaluation of the applicant’s ability to repay the loan. The ezbob risk engine aggregates
information from multiple public and private databases to achieve a high accuracy evaluation of the application.
Configurable rules allow the system to support automated decisions based upon risk buckets and borrower
affordability.

Anti-Money Laundering (AML): Refers to a set of procedures, laws and regulations designed to

stop the practice of generating income through illegal actions.

AML checks are performed on both the applicant and the company directors.

Broker: An individual or business who arrange transactions between a buyer and seller for a

commission when the deal is executed.

The broker provides mediation sbrervices between the SMEs and the banks.

Configurations: Configurations are changes to the ezbob system that do not require programming and do

not impact on the delivery timeline. For example, ezbob offers a white label UI, allowing customization of

the Web application to match the lender’s brand, look, and feel. Applicable UI changes include the logo,

background colour, font and buttons.

Content Management System (CMS): The CMS is used to create, manage, and update the legal documents in the
system i.e. personal guarantee, board resolution and loan agreement.

Customizations: Changes to the ezbob system that require coding. As such customizations have both financial and
project deployment timeline implications.

Decisioning: The phase after all the application details are collected. The loan application is either

automatically accepted, rejected, or referred to an underwriter (UW) for manual decision based on

Risk, Fraud, AML, KYC, Affordability and pricing.

Fraud Services: ezbob is connected to a variety of leading fraud tools that deliver best-in-class fraud detection.
These technologies are used to confirm applicant identity and lower fraud risks.

(Aut10ix, Idology, Lexis Nexis, Iovation, Experian etc.)

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Know Your Customer (KYC): ezbob provides Know-Your-Client validation based on multiple data end points, such as
e-mail validation, device and IP detection, customer screening profile, blacklist scanning, PEP, and much more.

Loan Management System (LMS): A platform that enables financial institutions to automate the processes
for achieving cost savings and enhancing the customer experience.
Notification Rules: Communication between bank (lender) and SME (customer) as determined by individual
lender. These are a set of automatic communications via e-mail and SMS that are sent out periodically
based off predetermined triggers.
Onboarding: The onboarding phase is performed directly by the SME using the Registration user interface
or the broker using the Broker Dashboard. This provides an easy-to-use, intuitive way to start and manage
the loan application process, from start to finish.
Pricing: The loan pricing. The ezbob platform fully supports risk-based pricing and loans can be priced according to
dimensions such as probability of default, loan tenure, and loan size.
Risk Analysis: Risk analysis produces a bucket categorization from A to H (with or without a hard reject).
This is based on a customer name, address, postcode, DOB, company registration number, and the amount
which the customer is required to pay back each month.
Risk Model: The ezbob platform includes a suite of off-the-shelf risk models, varying from Neural Network models to
Logistic Regression models. Additional bespoke models can be integrated into the system.
Schedule: The loan summary and payment schedule.
Servicing: After loan activation, ongoing loan management of payment scheduling, automated collections,
automated marketing and various analytics. The lender may choose to use the ezbob system (Salesforce) or
their own LMS.
Setup Fee: A one-time loan setup fee. This can be a combination of a fixed fee and % of loan fee. The fee
can be charged once or distributed over several payments.
Small Medium Enterprise (SME): A small or medium enterprise.
Underwriter (UW): There are 2 distinct definitions for the UW:
(1) The person who makes manual loan decisions after assessing the information provided by the ezbob system.
(2) The platform that maintains all the customer information and provides a customized dashboard for the
lender, customer, and broker.
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1. INTRODUCING THE EZBOB SME LOAN PLATFORM

ezbob’s loan platform is a fully-automated solution that enables lenders to issue and manage loans. This catalogue
describes the Small Medium Enterprise (SME) offering, which enables lenders to provide unsecured loans to this
market segment.

ezbob is ISO 27001 certified and is fully compliant with all new requirements introduced by the GDPR. Our Data
Protection Officer ensures all necessary provisions and highest compliance standards are met.
ezbob’s modular platform is designed to allow easy adoption of existing logic and data entities between different
financial products, loan types and client types. By providing a modular platform, you have the flexibility to choose
which modules meet your lending needs.

The key features of the platform include:

One Platform: ezbob provides a comprehensive suite of products, all running under ONE platform that enables you
to offer your customers digital, instalment-based loans, customized with your trusted brand.
SOP Model: The ezbob platform is a Service Oriented Platform (SOP) built from core and microservices (e.g., fraud
engine). Some of the services are common to all ezbob products, allowing for greater flexibility and re-use of
elements to create your personal lending platform. Additional services or microservices are added for specific
product functionality. The ezbob platform is open to receiving and sending information via the Web and mobile. It
enables collection and analysis of data from various data sources (e.g., credit bureaus).
E2E Offering: The ezbob platform provides the bank with an end-to-end solution for the entire loan process as well
as management tools. This offers the bank a one-stop shop with built-in integration. The platform is integrated with
Salesforce, BI tools and a configuration tool, helping you run sales campaigns, perform analysis, and track customer
leads.
Self Service: The customer can complete the entire loan application process via Web-mobile or Web, with no manual
intervention. The decision-making and money transfer processes are automated, allowing the process to be
completed within minutes.
Integration with Bank Systems: ezbob is experienced with integrating and connecting to the bank’s internal system,
thus providing the bank the flexibility to send or add important information to the flow.
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2. SME LOAN PLATFORM PHASES

The ezbob SME loan platform supports ALL phases of the loan lifecycle. ezbob’s modular platform is designed and
built in a way that allows for easy adoption of existing logic and data entities between different financial products,
loan types and client types. By providing a modular platform, you have the flexibility to choose which modules to
use in your lending process.

• Onboarding: This is performed directly by the SME using the Registration user interface or by the broker
using the Broker Dashboard. This involved registering and applying for the loan by entering various personal,
business and banking details. Information collected during onboarding is used to check for KYC, fraud, and
risk.
• Decisioning: Once the application details are captured, the loan application is either automatically accepted,
rejected, or referred to an underwriter (UW) for a manual decision. The tools and analysis to ensure that the
correct decisions are made – both for the automatic system decisions and the manual UW decisions.
• Activation: If the loan application is approved, the SME or broker continue the process of activating the loan
and confirming the transfer of funds to the designated SME account.
• Servicing: Various systems support the ongoing servicing of existing customers including the ability to
manage scheduled payments, automated collection, automated marketing, and various analytics.
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3. ONBOARDING
Onboarding is performed directly by the SME using the Registration user interface. This provides an easy-to-use,
intuitive way to start and manage the loan application process, from start to finish. Alternatively, the broker can use
the Broker Dashboard to onboard an SME.
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The SME dashboard allows customers to apply for a loan, draw funds, and manage the loan schedule and
repayments. The application is designed to support both mobile and desktop devices, while maintaining compliance
with the latest regulations. Building the application, ezbob applied the latest user interface trends (e.g., responsive
design, minimal clicks, and intuitive user journey) that enable the user to focus on quick and easy navigation,
information transparency, and security. Several years of experience have allowed ezbob to hone their skills.

4 SIMPLE STEPS TO ONBOARDING

Step 1: Registration

Step 1 entails SME registration. This requires entry of an email address and verification of a mobile number. This
step makes use of the following integrations:

o Acquisition and CRM

o Interaction Templates
o Phone Authentication
o Device Recognition
o Email Verification

Step 2: Personal Details

Step 2 requires the entry of personal details. This step makes use of the following integrations:

o Postal Code Checker

o Personal Bank and Credit Check
o Personal AML Screening

Step 3: Business Details

Step 3 requires the entry of business details. This step makes use of the following integrations:

o Company Register Verification

o Postal Code Checker
o Directors KYC/AML Screening
o Company Credit Check
o Director Credit Check

Step 4: Link Account

Step 4 requires the entry of business accounts. This step makes use of the following integrations:

o Risk Analysis
o Tax Office Connection (Optional)
o Marketplace Connections (Optional)
o Accounting Connections (Optional)
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o Bank Account Connector (Optional)

o Property Ownership Check

Configuration

o Ability to change the design of the application. Specify UI changes: logo, background colour, font, and button
background colour.
o Ability to change the static text presented on the UI. Define text changes.
o Ability to select what types of business to support. Can select either one or all business types. The rest of the
onboarding flow is determined by the business types
Definition of Business types:
SME ENTITIES DEFINITION

Limited Company • Business owners/shareholders are not legally liable for the debt of the
business
• Owners/shareholders are not personally responsible for debt or
damages caused by the business
• Profits are kept by the business after paying taxes
Limited Liability • Does not have directors or shareholders, just members
Partnership (LLP) • A formal partnership agreement sets forth the profit and tax terms
between its members
Partnership (made up • The partners personally share the responsibility of the business
of 2 to 3 individuals • Bill all expenses bought for the company, such as stock or equipment
(partners) • Partners share the business profit, and each partner is responsible to
pay taxes on their share
• A partner does not need to be an individual, a Limited Company can be
a partner as well
Ordinary Partnership • Two or more people sharing in business with the goal to profit
(also known as • Not a separate legal entity (therefore fully liable for loss incurred by the
General Partnership partnership)
or Business • Not subject to income tax (partnership agreement must lay out definition
Partnership) of who is responsible for tax on profits)
Sole Trader • An individual that runs their own business and is self-employed
• Keeps all profits after tax
• Personally responsible for any losses

o Ability to add or remove the tax office connection.

o Ability to add or remove the accounting software connectors.
o Ability to add or remove the bank account connector.
o Ability to add or remove the marketplace connectors.
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Customization

Collect additional information about the SME or does not require all the information collected in the basic package,
fields can be removed and/or added from the customized flow on a case-by-case basis.

Add (or remove) 3rd party validations or collect additional information on the customer from 3rd parties. During
onboarding, data sources can be removed and/or added from the customized flow on a case-by-case basis.
Integrate with existing data systems over single-sign-on (SSO).

4. DECISIONING

Once the application details are obtained, the loan application is either automatically accepted, rejected, or referred
to an underwriter (UW) for a manual decision.

ezbob’s advanced underwriting (UW) system presents a detailed summary view of all the information gathered from
the customer inputs, internal analysis and external data sources. The UW system also provides a comprehensive
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view of all customer’s information in a single page – the UW Dashboard. This supplies the UW with pertinent details
to make a quick decision based on key parameters.

The user interface is colour-coded and categorized with

alerts, with an emphasis on the important information
(for example, fraud suspect). Underwriters can then
click and drill down into specific information and view
more information about their customers.

All manual decisions are recorded in the underwriter

system for further review if needed at a later date. The
manual decision is quick and safe, allowing for a
superior UW customer experience and exceptionally
advanced risk and fraud scoring.

The deployment may include integration with the bank scheduling system (via JSON or API).

SME Loan Platform Core Decisioning Functionality

During the various stages, the loan platform uses several specialized applications and services, as well as its own core
engine and logic to process the loan application from several perspectives:

• KYC and AML: Provides Know Your Customer (KYC) and Anti-Money Laundering (AML) analysis. A fast and
seamless onboarding and decisioning engine that covers KYC/AML (and fraud) is a critical component of any
loan platform. ezbob uses best-in-class technologies to confirm applicant identity and lower fraud risks,
while preserving a short and easy-to-use loan application. The platform enables lenders to benefit from KYC
validation based on multiple data end points, such as e-mail validation, device and IP detection, customer
screening profile, blacklist scanning, PEP, and much more. All these checks are performed via a powerful
engine that combines internal logic and external data sources.
• Fraud Detection: ezbob is connected to a variety of leading fraud tools that deliver best-in-class fraud
detection. These technologies are used to confirm applicant identity and lower fraud risks. They are
intelligently built into the flows to give the best results and customer experience. The system enables a rule-
based configurable engine to adjust the right fraud model to the lender.
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• Risk Engine: Predicts the profile of the customer and their business, using automatic risk evaluation and
affordability calculation. The risk engine aggregates information from multiple public and private databases
to achieve a highly accurate evaluation of the application. Configurable rules allow the system to support
automated decisions based upon risk buckets and borrower affordability. The system generates alerts, at
which time the application is referred to a manual underwriter as per the lender’s criteria. The risk engine
can be configured with numerous rules in order to accommodate a complex risk model.

The credit risk management system offers a high level of sophistication and configuration by the lender. The
credit bureau data can be taken from one or more sources. The basic levels of credit decision origination follow
these steps:
o Reject Rules: Coded rejection criteria to reject customers that do not comply with the risk policy. These
rules can be configured per the lender’s requirements.
o Referral Rules: Coded into the system to refer a decision for manual review. These rules can be
configured as per the lender’s requirements.
o Risk Model: ezbob has a suite of off-the-shelf risk models for SME lending, varying from Neural
Network models to Logistic Regression models. ezbob can work with the lender to build a bespoke
model or can accept a lender-configured, logistic regression model, as per the lender’s preference.
o Loan Size Logic: Loan size and affordability can be configured with a mixture of customer input,
external marketplace data, and bureau affordability/income validation tools.
o Pricing Logic: The platform fully supports risk-based pricing and loans can be priced according to
factors such as probability of default, loan tenure, and loan size. Additional factors can be added.

• Affordability: The affordability model allows lenders to get a full evaluation of the applicant’s ability to repay
the loan while requiring a minimal amount of data fields to be completed. The applicant’s data is compared
with the bureaus, and both public and private data sources. Multi-bureau checking is available. A
personalized offer is provided to the customer based on all the data.
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Underwriting Service

Provides the underwriter with a dashboard to view and manage their customer accounts and details, and rapidly
screen borrowers. The system presents the analysis of all the information the customer entered and from the linked
data sources.

Configuration

• The system has alerts that convey important information about the applicant to the UW. The lender can
configure the alert thresholds which determine when the alerts are triggered.
• ezbob is integrated with an external risk engine that determines the risk bucket for the applicant. Based on this
information, the bank can define automated reject and referral rules for the loan application.
• Specify whether to use auto decisioning and whether to use it for approvals and/or rejections. ezbob allows for
easy configuration of desired rules. Such as, some applications can always be referred for a manual decision if
above a specified amount.
• Configure whether to refer rejected customers to alternative lenders.

• Configure the loan product as follows:

o Loan amount range.
o Loan term range.
• Select a pricing structure by choosing one of the following structures:
o Risk bucket and loan term, for example, the price for risk bucket A and for a 12-month loan.
o According to the minimum/maximum loan term, amount range and interest rate.
• Set the interest rate for each bucket according to the lender’s pricing structure.
• ezbob supports monthly or annual interest rates. Select the preferred interest rate method according to the
lender’s preference.
• ezbob supports different setup fee structures. Select the setup fee mechanism according to the lender’s
preference by selecting one of the following options:
o Fixed fee.
o % fee.
o Fixed or % from three loan amount ranges.
• The system offers the option to send a board resolution or an external personal guarantor (PG) to the applicant’s
company directors to sign before approving a loan. This is sent digitally through the system and signed
electronically. Select whether to use the board resolution and external personal guarantor options.
• ezbob provides two KYC/AML products. Select to use one or both of the following products:
o Experian Authentication
o LexisNexis IDU
• Configure the KYC/AML scorecard on LexisNexis.
• Configure the KYC/AML score on Experian.
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Customization

• ezbob can integrate with the lender’s own risk engine (or any other risk engine).
• The lender may need to support different risk models.
• Develop proprietary risk model with the lender
• If the lender chooses to use their own LMS to integrate with the ezbob platform, the ezbob system can connect
to an external scheduler which determines the offer presented to the customer and how the loan will be spread
and calculated.
• Include additional data sources to the decision flow
• Include additional pricing options
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5. ACTIVATION

Once the loan is approved, the customer is required to add the bank details and the loan repayment method: direct
debit or debit card. The customer also reviews the loan schedule and signs the legal documents. The payment can be
activated by ezbob or the lender.

THE ACTIVATION PROCESS

Step 1: Loan Terms: View Loan Schedule, Legal Documents & Sign

The ezbob platform supports various ways to document and capture legal agreements from the applicants for a
complete paperless experience. For digital signatures, ezbob can send (and track) documents to multiple signatories
when needed. Each legal activity is recorded with a timestamp, IP, keystrokes, and more.

All legal documents can be easily managed and edited using our dedicated Legal CMS application.

Step 2: Bank Details & Payment Details (Direct Debit and Debit Card).

The SME adds a loan payment bank account and payment method (debit card or direct debit). The funds are
transferred via faster payment to the specified bank account and the repayments are collected via direct debit or
debit card.

Step 3: Confirmation (Loan Schedule)

The SME reviews the loan summary and payment schedule. Once the loan is activated, the money is transferred to
the SME.

When a broker is involved in the application process, the broker fee is paid automatically from the loan amount and
the broker is informed via e-mail regarding the payment transfer.
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Configuration

• Ability to change the design of the application. Specify UI changes: logo, background colour, font, and button
background colour.
• Ability to change the static text presented on the UI. Define UI text changes.
• The lender decides which payment methods will be available for the customer. The lender must select the
required options - direct debit and/or debit card.
• The ezbob system enables the customer to select either a personal or business account to receive the loan
principal amount. The lender must select the required options - personal and/or business account.
• The lender can update the legal documents provided to the customer:
o Loan agreement
o Personal guarantee
o Pre-contract
o (Optional) Board resolution
• Define if the proposed loan amount and number of payment is fixed or can be changed by the SME.

Customization

• ezbob can integrate with an external LMS via API/secured email/SFTP. Therefore, the bank can use their own
system for transferring the funds and collecting the repayments.
• ezbob can connect to a different faster payments service. This will require additional development.
• ezbob can connect to a different direct debit and debit card payment provider.
• Add more dynamic data to the contracts.
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6. SERVICING

The lender may choose to use the ezbob system for servicing the loan or use their own LMS. The ezbob platform
delivers the following servicing options:

• An SME can service various aspects of their loan using the SME Dashboard.
• The lender services all the loans using the UW system.
• The broker can also view the status of their customer loans using the Broker Dashboard.
• The loan schedule is automatically updated periodically throughout the duration of the loan.

SME Servicing

Customer information might change over the course of time or the customer might enter incorrect information
during onboarding. The SME Dashboard enables customers to edit their personal info, name, address, email, and
company website. The ability to update this information is crucial.

The SME can update their payment details, for example, change debit card.

The dashboard enables the SME to view their loan schedule (this is automatically updated periodically), make early
payments, or even settle the loan early.

The status of the loan is visible (live/late/closed) and the customer can apply for a new loan, if required.

Lender Servicing

The UW system provides the ability to fully service a loan. These functionalities available include managing
payments, enabling rollovers, collecting late fees, making early repayments, collection and arrears, and reviewing
the updated loan status and schedule.

The lender may also update the customer details.

After a loan is live, banks may conduct periodic screening on the company and applicant to check if they are listed on
various fraud/blacklists.

Broker Servicing

Brokers can be managed on the ezbob platform. A broker can connect their bank account to receive broker fees,
view their customers, and review the status of their customer applications.

Scheduling

ezbob can integrate with the lender’s LMS system. This enables loan scheduling to be carried out by the lender. The
integration can be done by ezbob or lender via API. This allows the lender to manage the loans according to their
schedule.

Configuration

• The lender can choose whether to do periodic screening.

• The lender can specify the late payment fee.
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7. MANAGEMENT TOOLS

Business Servicing

Customer Care (CRM) &

Customer Communications
MANAGEMENT
User Admin
TOOLS

Broker Servicing

BI
Business Servicing

The SME dashboard is home for all activities. It enables customers to manage their loans; pay early, pay late, pay
directly to bank, or switch debit card.

On the dashboard, the SME can see the loan status and the next monthly payment. If more than one loan exists,
they see a summary of all concurrent loans and the status of each loan. The SME dashboard enables the customer to
view all their loans live and paid off, link more accounts, apply for another loan, and activate a loan offer.

User Admin

Enables you to manage users and their roles, giving you full control over permission levels and the abilities of each
user in the system, as well as enabling you to view the actions performed by users in the system.

Configuration

• The UW system can support multiple users. The lender can create their own users.
• The lender can create roles (with specific permissions) and allocate these to users.

BI (Business Intelligence)

Enables the lender to view advanced analytical reports and statistics on the borrowers, marketing, and product data.

Each acquired customer tells a story. When combined with a deep BI system, knowledge of the customer, their
behaviour, stores visited, and so on, allows our lenders to build a 360-degree view of their business. Management
reports provide a real-time view of the business.

The BI system integrates data from multiple resources such as Google analytics and Salesforce. This provides a
unified view with ROI analytics.

Integrating ezbob consumer applications with Tableau, a leading BI system, enables you to present insights on your
business performance, risk, fraud, customer journey, and much more.

The BI system will contain 15 built-in reports from ezbob’s best practice for monitoring business, risk, and
management KPIs.
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Allows our customers to request personalized reports to suit their needs.

In addition to management of KPIs.

Configuration

• Refresh interval between the operational database and the BI.

Customization

• Additional reports can be customized at an additional cost.

• Define users with specific roles and permissions on the BI system.
• Additional replication for data analyst with write permission.

Broker Servicing

The Broker Dashboard is used to onboard brokers. The broker can create their account (and specify their bank
account). This enables automatic payment to the broker when a loan is activated and includes automatic invoice
generation via email.

The broker can then manage their customers and customer applications. They can apply on behalf of a customer (or
send the customer a link) and view the status of the application. The Broker Dashboard also provides the broker with
access to marketing materials.

Brokers need to be preapproved (regulated).

Configuration

Select whether to use the Broker servicing module.

Specify the default broker fee. Fee the bank provides the broker once their customers has activated a loan.
The broker is provided with lender marketing materials via the broker dashboard which the broker can share on
their marketing channels. The lender has the capability to customize the marketing material presented.

CRM & Customer Communications

Managing your relationships with customers and brokers can be a very difficult and challenging task, therefore an
advanced CRM system is crucial for your success over time. The ezbob platform enables the lender to manage all
sales-related activities.

Our platform integrates with Salesforce, allowing your teams to track leads as soon as initial data is inputted from a
customer. This allows you to manage opportunities by importance. All email and telephone conversations are
recorded provided that a compatible phone system is used.

Ezbob’s six years of experience as a lender provided us with pertinent first-hand industry knowledge. This led to our
building a superior CRM system. The CRM provides a seamless experience for you and your customers, together
with the benefit of being the world’s leading CRM system.

You can also utilize the ever-growing list of Salesforce plugins to add capabilities to your business (e.g. marketing
campaigns).

ezbob’s platform integrates with SMS, email and post mail management systems so that our platform customers
have easy, convenient, and time efficient ways to create and manage their B2C communications.
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The module is completely configurable and uses a Salesforce plugin (Pardot interactions) to create templates,
configure time event triggers, and edit all outgoing communications.

Configurations

• Select whether to use the auto email notification sender service (SendGrid and/or Pardot) for marketing emails,
conversion emails, decision communications, and servicing emails (reminder of payment, late with payment,
collections reminder on specific days, and so on).
• Turn off specific predefined notification rules.
• Add/remove emails/SMS to rules.
• Define email template: amend logo, background colour, and signature.
• Define flexible flow triggered by user state.
• Top-up configuration - invitation to apply for another loan after the loan is fully or partially paid off.

Customizations

• The lender can create new notification rules which send emails/SMS message to customers throughout the loan
process, as defined by the lender.
• Integration with Chat (Intercom).
• Integration to new communication senders (SMSC, mail servers).
• Integration to a different CRM system.
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8. FURTHER INTEGRATION WITH BANKING SYSTEMS

Specific options for integration may be discussed in depth as part of a scope discovery session, and may include:

The ability for bank customers to apply for an SME loan using the bank’s own mobile application and online banking.
Integration of the bank’s existing customers’ credit profiles in the risk decision process.
Integration of the loan dashboard with online banking.
Single-sign-on (SSO).

9. COMPLIANCE AND SECURITY

ezbob is ISO 27001 certified.

In accordance with the relevant existing data protection regulations and the General Data Protection Regulation
(GDPR), ezbob has undertaken a full review of all data sources used as part of the application process, to ensure that
each data source processes, transfers, and stores data in a fully compliant manner with all applicable laws and
regulations.

ezbob is fully compliant with all new requirements introduced by the GDPR. Our Data Protection Officer continually
reviews and ensures that all provisions are up-to-date to guarantee full on-going compliance.

10. INFRASTRUCTURE AND TECHNOLOGY

VPN Tunnel
APPLICATION TIER

INTERNET
VPN Tunnel

PUBLIC Underwriter
DMZ
Customers
BI

APP web
server Service

VPN Users
Tableau

API Server Data Sources

Data Base
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ezbob’s modular platform is designed and built in a way that allows for easy adoption of existing logic and data
entities between different financial products, loan types, and client types.

• All servers are hosted in the UK at an ISO 27001-certified hosting service (Rackspace Hosting).
• Disaster Recover/backup site (40 miles away).
• Full redundancy of all servers is ensured (no single point of failure).
• All servers are composed of virtual machines (VMware).
• Three-tier security topology with secured connection to the bank premises via VPN/Whitelist.
• The platform can be fully hosted by ezbob.

Configurations

Select the basic or advanced package.

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Appendix: Data Sources

ezbob connects to a variety of third-party data sources. This enables ezbob to rapidly deploy an end-to-end loan
solution by using the best of each required functions. This includes connectivity to banks, the tax authority,
accounting software, payment companies, e-Commerce, land registry, and more.

Component 3rd party Required Where Used Comments

Acquisition and Salesforce No Onboarding Step Salesforce is used for acquisition and
CRM 1,2,3,4, Activation CRM purposes. A lead is created by the
end of step 1, and updated at the end
of each step with the data collected. If
the service is down, the application
process is not affected and the
applicant is able to complete the
application process.
Interaction Pardot or SendGrid No Onboarding Step 1 The CRM uses the templates created to
Templates send Interactions.
Phone Twilio Yes Onboarding Step 1 Phone-based authentication with SMS
Authentication and real-time number verification.
Device Iovation Yes Onboarding Step 1 Checks applicant IP address.
Recognition
Identity Idology Yes Onboarding Step 1 Checks applicant email account.
Verification
Postal Code SimplyPostcode Yes Onboarding Step 2 Provides full address based on the post
Checker code provided.
Personal Bank Experian Personal Yes Onboarding Step 2 Checks bank account information and
and Credit Check credit check.
Personal AML Experian AML Yes Onboarding Step 2 Performs AML for the applicant.
Screening
Personal AML LexisNexis Yes Onboarding Step 2 Checks personal sanctions and
Screening IDU customer validity.
Company Company House Yes Onboarding Step 3 Checks company registration.
Register
Verification
Postal Code SimplyPostcode Yes Onboarding Step 3 Provides full address based on the post
Checker code provided.
Directors AML Lexis Yes Onboarding Step 3 Checks director sanctions and customer
Screening Nexis - IDU validity.
Director Credit Experian e-series Yes Onboarding Step 3 Checks directors credit history.
Check
Company Credit Experian: e-series - Yes Onboarding Step 3 Checks company credit history.
Check Company credit
check
Tax Office HMRC Yes Onboarding Step 4 Checks VAT reports.
Connection
Risk Analysis Equifax and Logical Yes Onboarding Step 4 Communication with Equifax is done by
Glue Logical Glue. ezbob sends Logical Glue
the customer name, address, postcode,
DOB, company registration number,
and the amount which the customer is
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required to pay back each month. The

results are mapped from A to H, with or
without a hard reject.
Marketplace Amazon No Onboarding Step 4 e-commerce account links.
Connection
Marketplace EBay No Onboarding Step 4 e-commerce account links.
Connection
Marketplace PayPal No Onboarding Step 4 e-commerce account links.
Connection
Accounting FreeAgent No Onboarding Step 4 Accounting services.
Connections
Accounting SageOne No Onboarding Step 4 Accounting services.
Connections
Accounting Xero No Onboarding Step 4 Accounting services.
Connections
Accounting Validis No Onboarding Step 4 Accounting services.
Connections
Bank Account Yodlee No Onboarding Step 4 Bank account verification.
Connector
Property Land Registry Yes Onboarding Step 4 Checks who owns the property.
Ownership
Check
ID Analysis Au10tix No Decisioning Verifies ID.

E-Document Adobe Echo-sign Yes Activation e-document signing.

Signing
Property Value Zoopla Yes Activation Checks the value of the property.
Checker
Bank Check Experian Yes Activation Checks bank account validity.
BankWizard
Postcode PostcodeAnywhere No Activation This check is performed when the bank
Verification account for transferring the funds is
added.
Screening LexisNexis Bridger No Activation Checks companies against blacklists and
Service for fraud. Its set periodically after the
loan is activated.
Direct Debit GoCardLess If Direct Activation Direct debit collection.
Payment Debit.
Collection
Direct Debit FastPayment If Direct Activation Direct debit collection.
Payment Debit.
Collection
Debit Card PayPoint If Debit Activation Debit card collection.
Payment Card
Collection
Faster Payment Modular No Activation Send the loan funds to the customer.
Services
Faster Payment Bankline No Activation Send the loan funds to the customer.
Services
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Periodic LexisNexis Bridger No Servicing Periodic screening of the company.

Screening
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Appendix: SME Screens

Onboarding Screens

Step 1: Registration
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Step 2: Personal Details

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Step 3: Business Details

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Step 4: Link Accounts

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Activation

Step 1: Loan Terms: View Loan Schedule & Legal Documents & Sign
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Step 2: Bank Details & Payment Details (Direct Debit and Debit Card)
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Step 3: Confirmation (Loan Schedule)