[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" background_color="#e2dfce" border_color="#e2dfce" padding_top="34" padding_bottom="34" css=".vc_custom_1489385393290{padding-right: 50px !important;padding-left: 50px !important;}"][vc_column][vc_column_text]

Capture nuanced details of every interaction with the borrower giving the platform more data about the customer, allowing him / her to be served better.

[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1488972902407{border-bottom-width: 10px !important;padding-top: 10px !important;padding-right: 50px !important;padding-left: 50px !important;background-color: #ffffff !important;}"][vc_column width="1/2"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_column_text]

Manage Distributed Sales Teams

[/vc_column_text][vc_column_text]Managing geographically dispersed sales people can be especially challenging without visibility into sales efforts. With Artoo, managers can view daily activities of their sales teams and track their location and route taken when out in the field.[/vc_column_text][vc_accordion active_tab="" style="boxed_toggle"][vc_accordion_tab title="Zoning"][vc_column_text] Assign specific work areas to field agents to avoid overlap.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Location Tracking"][vc_column_text]Track your field agent’s location in real-time[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Route Planning"][vc_column_text]Help field agents plan their tasks and routes for the day, optimizing time and reducing travel costs.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Incentives and Peer Ranking"][vc_column_text]Motivate teams to boost their productivity by providing visibility into own and peer performance through incentives and comparative peer ranking.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Fraud Prevention"][vc_column_text]Artoo highlights outliers in the process, thereby providing warning signs of fraud.  For example, we highlight if the loan officer sourced a loan from the borrower’s doorstep or from his own home or if the Credit Officer approved the loan in 5 seconds. [/vc_column_text][/vc_accordion_tab][/vc_accordion][vc_separator type="transparent" up="10" down="10"][/vc_column][vc_column width="1/2"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_single_image image="16199" img_size="large" alignment="center" qode_css_animation=""][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1488973236850{border-bottom-width: 10px !important;padding-top: 10px !important;padding-right: 50px !important;padding-left: 50px !important;background-color: #ffffff !important;}"][vc_column width="1/2"][vc_single_image image="16192" img_size="large" qode_css_animation=""][vc_separator type="transparent" up="10" down="10"][/vc_column][vc_column width="1/2"][vc_column_text]

Qualify leads, cross sell, and improve conversion rates

[/vc_column_text][vc_column_text]The lead-to-login conversion rate is as low as 2%. Often, a loan officer’s time is wasted on leads that are either not interested or not qualified for a loan. Artoo helps you focus on your most likely leads, save time, and improve conversion rates. [/vc_column_text][vc_accordion active_tab="" style="boxed_toggle"][vc_accordion_tab title="Sales on-the-go"][vc_column_text]Record and track new leads from anywhere - field or office, mobile or web. [/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Lead Score"][vc_column_text] Assign specific work areas to field agents to avoid overlap.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Repeat Sales:"][vc_column_text]The easiest and most predictable source of revenue comes from loyal, existing customers. Acquiring a new customer is five to ten times the cost of retaining an existing one, and the average revenue from an existing customer is 67% more than that of a new one. Artoo allows you to closely monitor repeat sales by notifying you of existing customers who become eligible for future loans.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Incentives and Peer Ranking"][vc_column_text]Motivate teams to boost their productivity by providing visibility into own and peer performance through incentives and comparative peer ranking.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Fraud Prevention"][vc_column_text]Artoo highlights outliers in the process, thereby providing warning signs of fraud.  For example, we highlight if the loan officer sourced a loan from the borrower’s doorstep or from his own home or if the Credit Officer approved the loan in 5 seconds. [/vc_column_text][/vc_accordion_tab][/vc_accordion][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1488973252676{border-bottom-width: 10px !important;padding-top: 10px !important;padding-right: 50px !important;padding-left: 50px !important;background-color: #ffffff !important;}"][vc_column width="1/2"][vc_column_text]

Paperless, error-free, instant customer onboarding

[/vc_column_text][vc_column_text]Artoo leverages IndiaStack (eKYC, eSign) and cutting-edge technology (OCR, Image Scanner) to enable paperless, error-free, instant customer onboarding. [/vc_column_text][vc_accordion active_tab="" style="boxed_toggle"][vc_accordion_tab title="eKYC"][vc_column_text]The Identity and Address of the subscriber are verified electronically through Aadhaar Authentication via Biometrics or an Iris scan. e-KYC service also provides the following data electronically - ID Proof, Address Proof, Date of Birth, Gender, Mobile number and Email address.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="eSign"][vc_column_text]eSign replaces manual paper based signatures by allowing an Aadhaar holder to electronically sign a document anytime, anywhere, and on any device legally in India. eSign service facilitates significant reduction in paper handling costs.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="KYC Verification"][vc_column_text]Verify PAN, Voter ID, Passport and Driving License against the respective government databases and improve the quality of data[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="OCR"][vc_column_text]Recognizes and converts text from scanned documents thereby allowing users to simply take images of KYC documents and automatically extract relevant text thereby eliminating scope for data entry errors.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Image Scanning"][vc_column_text]

Scan KYC documents and mark as original, seen and verified on the mobile device itself, thereby eliminating multiple field visits for collection of photocopies of documents.

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Real-time credit bureau reports"][vc_column_text]Generate credit bureau reports in the field to immediately assess a borrower’s creditworthiness and qualify an applicant for the next stage of assessment. [/vc_column_text][/vc_accordion_tab][/vc_accordion][vc_separator type="transparent" up="10" down="10"][/vc_column][vc_column width="1/2"][vc_single_image image="16193" img_size="large" qode_css_animation=""][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1488973270657{border-bottom-width: 10px !important;padding-top: 10px !important;padding-right: 50px !important;padding-left: 50px !important;background-color: #ffffff !important;}"][vc_column width="1/2"][vc_single_image image="16194" img_size="large" qode_css_animation=""][vc_separator type="transparent" up="10" down="10"][/vc_column][vc_column width="1/2"][vc_column_text]

Intelligent doorstep credit assessment

[/vc_column_text][vc_column_text]Borrower segments with irregular, undocumented income will only become viable as data becomes available. Credit assessment has to therefore start where all the data points are - at the borrower’s doorstep.

Artoo enables capture of rich data (800+ data points) at the borrower’s doorstep and assesses both ability and willingness to repay.  

[/vc_column_text][vc_accordion active_tab="" style="boxed_toggle"][vc_accordion_tab title="Cashflow Template"][vc_column_text]

Deskill the traditionally complex process of cashflow assessment and allows for consistent appraisal thereby removing scope for errors. The templates are occupation specific and use a combination of available, derived and market data to determine the borrower’s repayment capacity.

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Qualitative data"][vc_column_text]

Anecdotal data is gathered by recording observations, such as the quality of inventory, and by conducting reference checks. Behavioural data is gathered by conducting an optional psychometric test of the borrower. This qualitative data is used to assess a borrower’s willingness to pay.

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Credit Scoring"][vc_column_text]

Our credit scoring methods allow scoring on 140 parameters, including demographic (i.e. age, educational qualification, marital status), financial (disposable income, gross margin), and loan history (i.e. repayment behaviour).

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Peer Comparison"][vc_column_text]Motivate teams to boost their productivity by providing visibility into own and peer performance through incentives and comparative peer ranking.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Deviation Matrix"][vc_column_text]

Define deviations to credit policy and the escalation matrix for deviation approvals.  [/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Approval Limits & custom workflows"][vc_column_text]

Based on predefined approval limits loans will go through a layered credit workflow for final approval.  

 

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Monitor your portfolio performance 

[/vc_column_text][vc_column_text]In MSME lending, repayments are typically done electronically through ECS / ACH, and payments that do not clear are then collected in cash. Artoo enables you to keep up-to-date with your borrower’s repayment performance and follow up with overdue customers. [/vc_column_text][vc_accordion active_tab="" style="boxed_toggle"][vc_accordion_tab title="Repayment Reminders"][vc_column_text]Automated reminders are sent to the borrower via SMS prior to his repayment date to remind them to deposit money in their bank account.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Automatic task scheduling"][vc_column_text]Automatic tasks are created on the Loan Officer’s device to follow up with customers prior to the repayment date to remind them of their due repayment.[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Follow-up with overdue customers"][vc_column_text]

Based on PAR bucket a list of overdue customers will populate on the respective individual's (Loan Officer, Collections Officer) device for follow-up.

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Maker - Checker model "][vc_column_text]

The individual who collects the payment (i.e. maker) will make an entry on their device and submit the data to the cashier (i.e. checker)  who will do a reconciliation before submitting the data to your backend system.

 

[/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="SMS receipt & OTP"][vc_column_text] On payment of cash an SMS receipt will be sent to the borrower. This receipt will include an OTP that they will enter into the field agent’s device as confirmation of payment. This process acts as a mechanism to prevent agent fraud. [/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="UPI for cashless collections "][vc_column_text]UPI can be used for cashless collections thereby eliminating scope for fraud and the risk of cash handling in the field. [/vc_column_text][/vc_accordion_tab][vc_accordion_tab title="Analytics"][vc_column_text]Monitor Loan Performances through a range of Dashboards and Reports and effectively minimize customer bounce rates and defaults.[/vc_column_text][/vc_accordion_tab][/vc_accordion][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][/vc_column][vc_column width="1/2"][vc_single_image image="16195" img_size="large" qode_css_animation=""][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1488524548964{padding-right: 50px !important;padding-left: 50px !important;}"][vc_column][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation="" css=".vc_custom_1488456367912{padding-right: 50px !important;padding-left: 50px !important;}"][vc_column_inner][vc_column_text]

Hassle-free Integration and Deployment

[/vc_column_text][vc_separator type="transparent" up="10" down="10"][vc_column_text]In order to fulfil your buying objective in its entirety, we have put together a whole product solution along with partners and allies. We take complete responsibility for integration of the different systems a client may be using.[/vc_column_text][vc_separator type="transparent" up="10" down="10"][/vc_column_inner][/vc_row_inner][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation="" css=".vc_custom_1488456381957{padding-right: 50px !important;padding-left: 50px !important;}"][vc_column_inner width="1/4"][image_with_text image="15942" title="Credit Bureaus"][/image_with_text][/vc_column_inner][vc_column_inner width="1/4"][image_with_text image="15944" title="LMS/CBS & CRM "][/image_with_text][/vc_column_inner][vc_column_inner width="1/4"][image_with_text title="BI Tools" image="15558"][/image_with_text][/vc_column_inner][vc_column_inner width="1/4"][image_with_text title="Device and MDM" image="15943"][/image_with_text][/vc_column_inner][/vc_row_inner][vc_separator type="transparent" up="10" down="10"][vc_column_text]

We believe that it is important for technology providers to be open to integrating with other systems, rather than perceiving other players as threats, because this is crucial in the creation of an ecosystem of providers where each one can specialize and become even better at what can they do best for the customer.

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Why You Should Trust Us

[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_separator type="transparent" up="10" down="10"][vc_column_text]

We place a very high value on the trust that our customers place in us, which ensures our constant commitment to compliance. We believe, that in order to best serve our customers, we must be cutting-edge in our technology but also extremely diligent in maintaining compliance.

[/vc_column_text][vc_separator type="transparent" up="10" down="10"][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation=""][vc_column_inner width="1/2"][unordered_list style="circle" animate="no"]

  • RBI and IDRBT guidelines, i.e. India Data Centres, ISO 27001, VA/PT, monitoring and logging

  • Data privacy requirements laid out in the Indian Information Technology Act, 2000

  • Industry best practices for data ownership and confidentiality of client and borrower data

[/unordered_list][/vc_column_inner][vc_column_inner width="1/2"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][blockquote text="We hold ourselves to the highest possible standards - 99.5% uptime, 3 variations of our SLA to suit every customer’s needs, and the utmost transparency. " show_quote_icon="yes" text_color="#fcad13" quote_icon_color="#fcad13"][/vc_column_inner][/vc_row_inner][vc_separator type="transparent"][vc_column_text]We also understand how business-critical the processes that we digitalize are for our customers. We publish our status and information about any kind of outages on http://status.artoo.in[/vc_column_text][vc_separator type="transparent"][vc_separator type="transparent"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1486469660930{padding-right: 50px !important;padding-left: 50px !important;background-image: url(http://artoo.com/wp-content/uploads/2016/08/testimonials-2.png?id=15144) !important;}"][vc_column][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][vc_column_text]

Understand Artoo's workflow to see how it enables lead scoring and instant loan qualification, how peer comparison infuses intelligence in credit underwriting, and how collections scoring provides early signs of default.

 

 

[/vc_column_text][vc_separator type="transparent" up="10" down="10"][button target="_self" hover_type="default" link="https://artoo.com/artoo-workflow/" background_color="#fcad13" border_color="#fcad13" text="Know More" color="#ffffff"][vc_separator type="transparent" up="10" down="10"][vc_separator type="transparent" up="10" down="10"][/vc_column][/vc_row]