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Digital Banking solution, and End to End Credit and Lending management solution, Artificial Intelligence (AI)

All of JurisTech’s Solution are built on-top of our powerful, inhouse application server/framework known as Juris Application Server (JAS). JAS is an N-Tier Architecture that is highly scalable. In the simplest configuration, you just need a web browser client talking to the application server and database server. To cope with a larger load, Application servers and database servers can also be scaled horizontally, and a caching server installed to cache static objects such as images and javascript. For external internet access (if required), a reverse-proxy web server can be configured to work through a firewall De-Militarized Zone (DMZ) for additional security.

Partner Type

Visa Ready: Fintech Partner Connect

Category

Fintech Partner Connect: Digital Banking, Loan Origination, Loan Management, Debt Collection, Credit Admin, Digital On-Boarding, Artificial Intelligence (AI) Machine Learning, Chatbot 

Solution

Juris Access
Juris OneCore
Juris Origination
Juris Collect
Juris Mindcraft

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Juris Access – Digital financing platform

Juris Access is a marketplace and P2P platform that serves as a versatile customer on-boarding platform. It enables digital transformation for banks and facilitates omni-channel customer engagement so customers may apply for loans anyplace, anytime.

Solution Specifications

Version
5.0

Recommended OS
Red Hat Enterprise Linux 7 or later, Windows 2019 Server or later, Aix 7.2 or later, Solaris 11.4 or later

Browser Compatibility
Microsoft Edge 41.16299 or later, Firefox 52.6.0 or later, Chrome 64 or later, Safari 11 or later

Database Compatibility
Oracle (9G, 10G, 11G, 12C, 18C, 19C), IBM DB2 (10.5, 11.1), Tibero 5

Solution Information

Juris Access is not just a webform, but an integrated platform that can connect seamlessly with other JurisTech's solutions and existing systems including credit bureaus  and optical character recognition (OCR) application through its web API to perform complex backend processing, create new account and track existing accounts. 

Juris Access is an omnichannel platform that receives new applications for various products through multiple digital channels, processes these applications in real time, and returns results almost instantaneously to customers. Juris Access also caters for agents and dealers to manage their listings in the platform. Its omnichannel nature allows financial institutions to provide prospective customers full access to the suite of available products through multiple digital mediums, including the web, mobile, merchants, social networking sites, and even chatbots.  Due to its web-based nature, mobile responsive interface, and seamless integration with existing systems through web API, Juris Access empowers anyone to submit and manage an application from their mobile devices anytime, anywhere, in minutes instead of days and best of all, without human intervention.

Operating Countries

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Juris OneCore - Robust end-to-end loan management platform

Juris OneCore is a revolutionary web-based loan management solution built specifically for small and medium-size lenders. Juris OneCore is designed to address and manage significant operational challenges faced by money lenders, cooperative bodies, credit leasing companies, and FIs.

Solution Specifications

Version
5.0

Recommended OS
Red Hat Enterprise Linux 7 or later, Windows 2019 Server or later, Aix 7.2 or later, Solaris 11.4 or later

Browser Compatibility
Microsoft Edge 41.16299 or later, Firefox 52.6.0 or later, Chrome 64 or later, Safari 11 or later

Database Compatibility
Oracle (9G, 10G, 11G, 12C, 18C, 19C), IBM DB2 (10.5, 11.1), Tibero 5

Solution Information

Juris OneCore is conceptualised and designed to be used specifically to address the key challenges of any financial institutions wanting to offer loan or financing products to the market. The loan management solution includes all the necessary and key features to enable financial institution to deploy new products, manage computation and general ledger (GL), accept payments, manage reversals, full settlements and write-offs. 

Juris OneCore is the heart of loans processing, integrates with the financial institution’s process management system such as loans origination and collection recovery or just co-exists homogenously with Juris Origination and Juris Collect.

Juris OneCore provides an effective and efficient solution for financial institutions focusing specifically in lending and do not require a standard and full core banking solution. It unifies multisystem environments (loans origination, branch delivery, collection, loans management) into a single ecosystem running on the scalable and extendable Juris Solutions Interaction Platform (JSIP), the same platform that runs all Juris solutions.

With Juris OneCore, financial institution can achieve quick time to market to deliver new products to the market easily and rapidly using a flexible platform which allows creation and modification of product specifications and attributes easily.

Operating Countries

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Juris Origination - AI-based end-to-end loan and insurance application software

Juris Origination Management (JOM) is a loan, financing, and insurance origination system that simplifies the approval process and dramatically decreases time-to-market. 

Solution Specifications

Version
5.0

Recommended OS
Red Hat Enterprise Linux 7 or later, Windows 2019 Server or later, Aix 7.2 or later, Solaris 11.4 or later

Browser Compatibility
Microsoft Edge 41.16299 or later, Firefox 52.6.0 or later, Chrome 64 or later, Safari 11 or later

Database Compatibility
Oracle (9G, 10G, 11G, 12C, 18C, 19C), IBM DB2 (10.5, 11.1), Tibero 5

Solution Information

Juris Origination is designed for fast yet robust setup of origination processes with speedy approval allowing users to have full control over the entire process whilst catering for superfast ‘time-to-market’ product deployment. A key element of the system is JurisTech’s Workflow Engine which has a graphical user interface (GUI) application with ‘drag and drop’ capability and powerful functionalities. This user-friendly platform allows easy setup and configuration of desired origination workflows and application processing strategies. Approval flows, pre-qualifying filter criteria and other origination functionalities are easily set up and even easier to modify for various scenarios and products. 

Juris Origination is a web-based system, built on a powerful application server technology. The multi-aspect process management ability of Juris Origination provides users with an intuitive platform for financing origination. With Juris Origination, users no longer need to activate multiple systems or refer to multiple screens to perform origination

With Juris Origination, financial institution can handle various business segments through an end-to-end, Straight-through Processing platform, from accepting customer’s new application to customer’s information verification, pre-screening, evaluation and scoring, approval (decision making), customer information file creation, account creation, documentation, acceptance to managing early warning alerts and alerts for retention of customers.

Core Functionality

• Fully web-based for easy deployment

• User-friendly and highly configurable

• Supports multi-channel loan taking

• Fully Shariah-compliant

• MFRS9 and PCIDSS compliant

• Multi-rate structure support

• Designed to interface with other systems

• Easily set up and configure business definitions and reject rules to cater for different business needs

• Easily customisable to meet compliance requirements

• Automated loan validation, document generation and printing

• Integration to external rating system such as CCRIS and CTOS

• Multi-lingual and multi-currency support

• Notifications via SMS, email, system message, and letter generation

• Risk-adapted loan pricing based on credit rating, cost of funds, and internal transfer pricing

Operating Countries

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Juris Collect - Enterprise end-to-end debt collection system

Juris Collect is an end-to-end debt management and collections enterprise system that helps you to implement different collection strategies for different customers to achieve the most efficient use of your resources.

Solution Specifications

Version
5.0

Recommended OS
Red Hat Enterprise Linux 7 or later, Windows 2019 Server or later, Aix 7.2 or later, Solaris 11.4 or later

Browser Compatibility
Microsoft Edge 41.16299 or later, Firefox 52.6.0 or later, Chrome 64 or later, Safari 11 or later

Database Compatibility
Oracle (9G, 10G, 11G, 12C, 18C, 19C), IBM DB2 (10.5, 11.1), Tibero 5

Solution Information

Juris Collect is the new generation of credit management software which provides a configurable, scalable, flexible and comprehensive collection and recovery framework which will fulfil your requirement of managing your customer delinquent accounts throughout the debt life cycle from newly delinquent to writing off their debts. Juris Collect are supported by other modules such as Juris Agency (Debt Collection Agency Management solution), Juris Legal (Lawfim Management solution) and Juris Predator (Telephony solution) which can provide more comprehensive and powerful features and offerings to improve your collection progress.

Different customers have different behaviors and with Juris Collect, we can recognize and implement the different strategies to maximize collection from each customer. Juris Collect provides the framework and the platform to implement these different collection strategies. Juris Collect is a fully web-based system that built on the robust platform that has been proven to scale up to millions of accounts.

Core Functionality

• Powerful Strategy Manager (Whiz) plans your collection process to maximize revenue collection.

• Advanced workflow engine automates the collection process and the treatment of account receivables in various stages of the collection cycle.

• Fully web-based for easy deployment, lowering system operating and maintenance cost.

• Distribution Engine allows you to collect by CIF or Account and perform centralized collection or decentralized collection by branch.

• Third party enabled with proven online framework with external lawyers or collection agencies.

• Integration to external rating system such as CCRIS and CTOS.

• Advanced configuration that offers fantastic levels of customisation as Juris Collect is built on top of our Business Process Management (BPM).

• AI powered solution which can improve the collection efficiency based on customer payment behavior

Operating Countries

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Juris Mindcraft – Prescriptive analytics AI software

Juris Mindcraft is an automated artificial intelligence (AI) system that covers end-to-end data mining pipeline from importing data, data pre-processing, machine learning modelling, all the way to deployment. After digesting raw data, Juris Mindcraft uses advance machine learning techniques to learn from historic data and recognize patterns to build powerful predictive AI models.

Solution Specifications

Version
5.0

Recommended OS
Red Hat Enterprise Linux 7 or later, Windows 2019 Server or later, Aix 7.2 or later, Solaris 11.4 or later

Browser Compatibility
Microsoft Edge 41.16299 or later, Firefox 52.6.0 or later, Chrome 64 or later, Safari 11 or later

Database Compatibility
Oracle (9G, 10G, 11G, 12C, 18C, 19C), IBM DB2 (10.5, 11.1), Tibero 5

Solution Information

The Juris Mindcraft advantage goes beyond statistics and manual expert rules. Juris Artificial Intelligence (AI) Algorithm has the ability to learn the behaviour of those existing customers by looking at their attributes that lead to high potential to buy into an offering, or to the probability of going delinquent. The AI Algorithm will automatically create different profiles for good, doubtful, and bad customers.

With Juris Mindcraft, the leading decision will be supported by facts. The AI is not a black box but will tell you the reasoning for its recommendations and will highlight specific attributes which it considered critical in its decision-making process. Juris Mindcraft also comes with a credit limit determining framework which employs proven mathematical approaches to compute the optimum credit limit for a customer.

Juris Mindcraft is able to enhance and accelerate existing solutions. Juris Mindcraft works with existing solutions and helps to achieve better results and ensures customer satisfaction. Juris Mindcraft also exponentially improve data scientist productivity by automating repetitive and complex data science tasks so your data scientists are free to spend more time on higher-level planning and strategic thinking. With continuous learning enabled from the get go, the data scientists are relieved of the duty of making sure the model stays relevant and let Juris Mindcraft find the patterns.

Juris Mindcraft has the power to drive tangible results and create hype in the market about AI has resulted in many skeptics. Juris Mindcraft’s proven technology is already in use by major banks for credit scoring, early warning, and identifying self-curing customers for over a decade with immediate positive ROI.

Core Functionality

• Data pre-processing to let the tasks handled automatically, upon data upload.

• Algorithms and Hyperparameters Tuning to get the best fitted algorithm with the best set of hyperparameters for the goal.

• Supports all 3 types of ensemble learning, namely bagging, boosting and stacking to strengthen the model’s robustness.

• Provide rule-based model to business users for making sense of the prediction generated by the AI model.

• Build and train multiple algorithms in parallel.

• Enable a deployed model to continuously learn and improve itself with the newly fed data.

• Simpler process for modelling with a default configurable setting like preferred algorithms, optimization metric, memory limit, training run time, etc.

• Better model evaluation with multiple graphical representation of model performance, ROI of the respective models can be estimated using lift analysis, and side-by-side model comparison.

• Deploys models as RESTful services with auto-generated API in multiple programming languages to provide predictions in milliseconds.

Operating Countries