Sony Financial Services
Sony Financial Services (SFS) needed to create an Internet-based loan
Origination System (IOS). As they did not have an existing solution they
contracted with DataIntel to utilize their solution - which Prokinetic had
developed. After a number of months, SFS decided they wanted to bring the
application in-house and manage it internally. They turned to Prokinetic to
continue to support and further customize the application to meet their needs.
Solution Summary
Prokinetic integrated the credit decision process with a number of third-party
financial credit providers (Experian’s SCOREX, Household Financial Services,
LGI, Fair Isaac’s Liquid Credit). We added an online credit application that
supports both consumer credit and commercial credit requests. Web services were
created to support automated integration with IOS. Administrative functions
were developed to allow SFS and its business partners to easily manage and
support the credit requests.
Technologies Employed
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Windows 2000 Server
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Microsoft .NET Framework
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Microsoft C#
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Microsoft ASP.NET
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Visual Basic 6.0 (COM)
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Microsoft Active Server Pages
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Java Script
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Microsoft IIS 5
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SQL Server 2000
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| ASP online application environment |
Sony-specific application environment |
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Structured technology architecture
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Experian SCOREX loan “viability” ranking decisioning engine
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Predefined lending partners
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Consumer lending only
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Predefined business processes
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Unrestricted technology architecture
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Direct control/selection of loan “viability” ranking decisioning engine
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Direct control/selection of lending partners
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Consumer & commercial lending
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Tailored business processes enabling support of Sony-specific B2B relationships
(other potential revenue sources)
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| ASP cost structure |
Straight cost structure |
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Eliminated transaction fees
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