Systems that already work — then shaped around your business.

Front office

• Universal onboarding and customer engagement
• Direct sales agent remote portal for capture in the field
• Customer relationship management
• Automated notifications and performance reporting
• Roles: loan officers, relationship managers, business development

Back office

• Settlement processing
• Triggered arrears management and collections
• Accounting and management reporting
• KYC and document management
• Roles: credit analysts, compliance officers, risk managers, underwriters

What makes it different

• Purpose-built for payroll source deduction lending — the low-default, high-volume credit model that dominates Southern African salaried lending
• Live pay-point integrations with CEDSIF (Mozambique), Lesaka (Botswana), Ndasenda (Zimbabwe), PSM (Malawi) and Avril (Namibia)
• Works with your core banking system — originate in LAM and manage the active loan in your core, or run the full lifecycle in LAM
• Credit bureau API for fast, evidenced decisioning
• Real-time dashboards and in-built productivity monitoring by team and individual
• Immediate entry into payroll-based lending for institutions entering the space

Typical outcomes

• Higher throughput on the same headcount, driving revenue
• Faster turnaround times and lower cost per application
• Effort shifted from administration to sales
• Improved data accuracy and stronger collections

Programme capabilities

• Centralised onboarding across both lending and deposit applications, removing duplicated capture
• Configurable workflows for sales origination, credit assessment and disbursement, each with validation, document compliance, SLA monitoring, tasks and escalation
• Accountability system monitoring time allowed versus time taken, with escalation and staff KPI reporting
• Automated credit scoring with an integrated override for exceptional cases — flexibility without disrupting workflow efficiency — and debt service ratio calculation
• Compliance manager — automated document, business rule and regulatory compliance
• Internal and external vetting with automated routing for secondary credit approval
• Centralised KYC with proactive document expiry tracking
• Centralised document store — electronic, paperless and reachable by third-party systems
• AI text extraction engine — ICR uploads, AI-supported verification, automatic template population
• In-built report generator for custom and routine template reports

Product coverage

• Scheme-based payroll-secured loans
• Non-scheme personal loans
• Vehicle and asset finance
• Overdraft facilities
• Purchase order finance, with a central guarantee scheme registry for rapid validation and cession
• SMME and commercial finance
• Mortgage products
• Rehabilitation loan products
• Deposit products

Problems it is built to solve

• Prolonged and inconsistent application turnaround times
• Semi-manual processing and workflow bottlenecks
• Cumbersome inter-departmental communication and broken feedback loops
• Quality assurance and underwriting bottlenecks
• Fraud risk arising from manual or non-standard processing
• Duplication of effort and misaligned task prioritisation

Capabilities

• Automated or manual periodic upload of current arrears from the host system
• Automatic removal of customers whose accounts are no longer in arrears
• Workload segmentation, with agent focus directed at high-risk customers
• Collection team management and case auto-assignment with load balancing
• Team workflows with automated case re-assignment and supervisor escalation
• Rule-based or on-demand customer contact engine — SMS, email and letter, with social media and call-centre integration available as options
• Full-view customer contact information in one place, drawn from the data your host system provides
• Integrated diary and reminder system
• High-productivity screen design — most agent tasks complete on a single screen

Management & control

• Collection team efficiency metrics and agent performance management
• Full spread of operational and management information reports
• Credit score and credit bureau integration (optional)
• Legal management queues and workflows (optional)
• Customer retention focus, generating sales leads on fully collected loans
• Debt collection agency remote access portal
• Web-based — hosted by FinDev or installed internally

Works with

• LAM, for triggered arrears handover from the lending system
• eDRS, for bulk payment collection and allocation
• MessagePro, for high-volume customer communication
• Multiple core banking systems, via API

Capabilities

• Bulk payment collection across high deduction volumes
• Automated receipt allocation against individual accounts
• Deduction request file formats maintained and updated per pay-point authority as their requirements change
• Automated instruction and effective date handling
• Bulk receipting, with the platform's standard audit logging on every transaction

Why it matters

Payroll source deduction is the safest lending model in the region precisely because repayment leaves the salary before the borrower sees it. That safety only holds if the deduction files are correct, submitted on time and reconciled properly. eDRS is the system that makes that reliable at scale, month after month.

Works with

• LAM and LAM 360°, as the collection channel for the loan book
• AMS, feeding non-payment straight into arrears workflows
• National pay-point registries across the SADC region

Coverage

• Front office — client onboarding, order capture and dealing
• Middle office — processing and confirmation between dealing and settlement
• Back office — settlement and client administration
• Full accounting, with interfacing to accounting and finance systems
• The platform's standard operational and management reporting, dashboards and audit logging

Interfaces

• Central securities depositories
• Automated trading systems
• Accounting and finance systems, real-time or batch
• Payment systems and banking gateways
• Wide support for additional third-party interfaces on request

Why brokers choose it

Complete market coverage in Botswana is not a marketing claim — it is an operational fact that means the system has been tested against every trading pattern, regulatory change and audit in the market for years.

Functional coverage

• Sales — quote generation, placement, pipeline and advisor reporting
• Policy administration — quote-to-policy lifecycle, schedules, endorsements, renewals
• Claims — end-to-end claims lifecycle with client and underwriter notifications
• Finance — premium reconciliation, commissions, remittances, general ledger export
• Counterparty and underwriter management
• Cash management and bulk bank statement receipting with automatic allocation
• Field agent management with mobile and remote sales capture
• Secure electronic document and KYC management

Built for volume

• Bulk bank statement receipting — upload a full statement and auto-allocate large volumes of receipts to policies, eliminating the manual bottleneck
• No per-policy, per-client or per-transaction charges — the subscription covers unlimited policies, clients and transactions
• One engine, every line of business — group funeral, short-term, life, credit life and group life run the same workflow, configured rather than rebuilt

Pain points it addresses

• Slow claims processing and manual workflows
• Multiple overlapping regulatory frameworks
• Inconsistent or inaccurate data capture
• Difficulty tracking large document volumes
• Limited fraud detection and no real-time claims visibility

Capabilities

• Quick capture of deal information through a single, intuitive trading user interface
• Reduced risk exposure through faster, simpler capture
• Simple to use, with minimal training required to get a desk running
• The platform's standard maker–checker authorisation, audit logging and role-based access control
• Accounting and reporting through the shared FinDev platform layer

The design principle

On a trading desk, risk is created in the seconds between a verbal deal and its capture in a system. ABM is built to make that window as short and as error-resistant as possible, and to make the resulting exposure visible immediately rather than at end of day.

Capabilities

• Centralised member administration and records
• Simplified onboarding through automated KYC and regulatory checks
• Multi-channel payment collection with automatic reconciliation
• Member contribution and revenue collection across multiple channels
• Accounting integration with full financial controls
• Maker–checker governance on financial transactions
• Compliance tracking and reporting

What it changes

Revenue collection is optimised because subscriptions and contributions arrive through every channel members actually use, and reconcile themselves. Financial controls are reinforced because approvals and segregation of duties are enforced by the system. And member onboarding stops being a paper exercise.

Works with

• MessagePro, for member communication at scale
• Accounting systems, through the shared integration layer

Capabilities

• Full-spectrum customer relationship management
• Bulk and triggered messaging across email, SMS and WhatsApp
• Templated, branded messages controlled by the business, not by IT
• VoIP integration
• Optional Full Feature Telephony Service — call assignment, logging, recording and engagement diarising for sales, post-sales follow-up and arrears collection, licensed separately
• Workflow and performance management with analytics
• Missed-call balance retrieval service

Where it is used

• Automated customer notifications from LAM, ABI and UniFin
• Rule-based arrears contact campaigns driven by AMS
• Lead generation and sales follow-up sequences
• Member and policyholder communication at scale

Note

Because messaging is templated and centrally controlled, every communication a customer receives is consistent, compliant and permanently logged against their record.

Capabilities

• Secure central membership register with full history
• Automatic periodic invoicing of subscriptions and fees
• Payment recording and allocation
• Debtor management and automated follow-up
• Event registration and attendance management
• Secure storage of membership data, with the platform's standard access control and audit logging

Who it suits

Any organisation whose income depends on members paying on time, and whose credibility depends on holding member data securely and accurately. The invoicing and follow-up automation alone typically pays for the system.