SPOT is industry’s new data platform

Rubique has demonstrated its focus on ecosystem collaboration with the development of SPOT ( Single Point of Truth) – a data platform which links all stakeholders in ecosystem be it internal as well as external stakeholders like financial institutions, business associates & business partners. SPOT is a data platform developed with an objective to be a single stop solution for all financial products. It has a JSON schema based configurable workflow engine that allows origination, assessment and fulfilment seamlessly for products like a loan, credit card and insurance. The SPOT platform is integrated with paperless-focused features like e- KYC, bank statement analysis, credit bureau check, credit memo generation & MCA integration etc. These features further allow real- time decision making on the application.

Rubique Wallet – A new age wallet solution enables the partner network to track and manage their leads and corresponding payouts.

CIBIL score – Provision for customer CIBIL scores and reports for business associates. Crosssell / Upsell engine – Allows business associates to crosssell or upsell products when applying for any other product.

Blockchain- based smart KYC – Enables instant, secure and seamless customer identification process.

Analytics – Designed for business associates to allow checks on customer’s earnings, analyse which products are selling better, the approved amount of loans, Credit Assessment Memo – To generate the CAMs for any loan product which can be submitted along with the customer’s files.

SPOT will use various data sources like SMS parsing, Call Logs and data analytics to enable new to credit cusomers.