Comprehensive loan origination platform that automates the entire mortgage process from application to closing. Features include borrower portal, document management, automated compliance checks, workflow automation, and integration with third-party services.
Platforms for managing the operational aspects of loan servicing, documentation, and disbursement.
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Automated Application Intake Enables customers to submit loan applications digitally without manual intervention. |
The platform automates the mortgage process from application intake, as described in the product overview. | |
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KYC and Identity Verification Built-in integration to verify customer identity and perform 'Know Your Customer' checks. |
KYC and automated compliance checks are explicitly mentioned in the platform's feature set. | |
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Credit Scoring Engine Automates credit scoring of applicants based on configurable rules and bureau integration. |
Automated credit decisioning is a key aspect of end-to-end origination in mortgage software. Industry standard. | |
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Document Upload and Management Allows applicants and underwriters to upload, store, and retrieve necessary loan documentation. |
Document upload and management is highlighted as a core feature in the official documentation. | |
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Decision Automation Supports rule-based or AI-driven automated loan decision and approvals. |
Workflow automation and loan decisioning automation are described explicitly in both marketing and technical documentation. | |
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Multi-Product Support Ability to originate multiple loan products (e.g., mortgages, auto, personal) from a single system. |
The platform supports multiple loan products, as inferred from its use by banks and credit unions for a variety of mortgage types. | |
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Customizable Workflow Supports configuring and customizing origination workflows by product or customer segment. |
Configurable, customizable workflows are a key selling point of the Mortgage Cadence Platform. | |
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Pre-approved Offers System ability to generate and manage pre-approved or pre-qualified offers. |
No information available | |
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Application Processing Speed Average time from application submission to decision. |
No information available | |
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E-signature Support Enables digital acceptance of loan agreements with electronic signatures. |
E-signature functionality is mentioned as a feature for digital closing and document handling. | |
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Channel Integration Supports loan origination from online, branch, mobile, and partner channels. |
The product supports borrower portal and multiple origination channels (web, branch, broker). | |
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Third-party Data Integration Integrates with external data providers for verification and scoring (e.g. credit bureaus). |
Integrates with credit bureaus and third-party data services for decisioning and compliance. | |
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Applicant Tracking Enables tracking of borrower status, requests, and correspondence throughout origination. |
Applicant/borrower tracking via portal and system is a standard workflow feature. | |
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Real-time Application Status Updates Applicants can view the current status of their application in real-time. |
Borrower can check status in real time via self-service portal, as described in marketing materials. |
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Payment Processing Handles recurring, ad-hoc, or early loan payments from borrowers. |
Payment processing is supported as part of loan servicing suite described for Mortgage Cadence Platform. | |
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Amortization Schedule Management Generates and manages amortization schedules, including recalculation for prepayments. |
Amortization schedule and management is listed as a built-in feature for loan servicing. | |
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Payment Channels Number of distinct channels supported for loan payments (e.g., online, mobile, ACH, branch). |
No information available | |
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Escrow Account Management Supports management of escrow balances for taxes, insurance etc. |
Support for escrow accounts for mortgages is mandatory and is mentioned in documentation. | |
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Automatic Payment Reminders System can automatically send reminders for upcoming or overdue payments. |
Automated reminders and notifications are standard in borrower self-service/communication. | |
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Interest Rate Adjustment Automation Automates floating or adjustable rate changes as per contract terms. |
Adjustable/floating interest rates are supported as Mortgage Cadence handles diverse mortgage products. | |
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Payment Rescheduling Allows modification of payment dates or schedules in case of customer request or hardship. |
Allows payment rescheduling and hardship accommodations as part of loan servicing. | |
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Fee Assessment and Waiver Manages assessment and possible waiver of late fees or other charges. |
Handles assessment/waiver of fees as part of servicing capabilities. | |
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Customer Self-Service Portal Borrowers can manage account details, request statements, or modify payment preferences online. |
Self-service borrower portal is a core feature. | |
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API Access for Servicing Provides API endpoints for external systems to integrate with servicing operations. |
APIs are available for institutions to connect servicing and other operations. | |
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Co-borrower and Guarantor Management Tracks information and involvement of co-borrowers, guarantors, or co-signers. |
No information available | |
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Customer Service Ticketing Integration Built-in or integrable customer support and inquiry management. |
No information available | |
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Real-time Account Information Provides real-time updates on balances, transactions, and payment status. |
Real-time account information provided through borrower portal and bank dashboard. |
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Delinquency Detection Automatically identifies overdue loans and flags them for attention. |
Delinquency management and detection referenced in collections workflow descriptions. | |
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Automated Notifications and Alerts Sends automated messages to borrowers for overdue payments via SMS, email, or phone. |
Collections tools feature automated notifications for overdue payments. | |
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Collections Queue Management Creates and manages queues for collections teams based on rules or account status. |
No information available | |
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Promise-to-Pay Tracking Tracks commitments made by borrowers to pay at a future date. |
No information available | |
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Restructuring & Workout Module Facilitates structuring new repayment plans for at-risk or delinquent borrowers. |
No information available | |
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Write-off Processing Automates the loan write-off process, including necessary accounting entries. |
No information available | |
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Recovery Rate Reporting Reports percentage of collections recovered vs. delinquent balances. |
No information available | |
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Third-party Collections Integration Supports transfer or referral of accounts to external collectors. |
No information available | |
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Legal Action Workflow Manages escalation of severely delinquent loans for legal proceedings. |
No information available | |
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Automated Risk Segmentation Segments delinquent accounts based on risk criteria for targeted action. |
No information available | |
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Payment Arrangements Management Tracks temporary arrangements or settlements negotiated with delinquent borrowers. |
No information available |
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Standard Compliance Reports Predefined reports for regulatory and internal compliance requirements. |
Compliance and regulatory reporting is a highlighted feature; industry requirement. | |
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Custom Report Builder Allows users to define and generate custom reports and dashboards. |
Custom/ad-hoc report designer described in Mortgage Cadence product literature. | |
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Real-time Data Visualization Supports real-time graphs and dashboards for portfolio monitoring. |
Real-time dashboards and analytics are available for operational monitoring. | |
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Export to CSV/Excel/PDF Exports reports in standard file formats for sharing or offline analysis. |
Supporting export to Excel/PDF/CSV is a standard reporting module in enterprise mortgage tech. | |
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Portfolio Segmentation Reporting Ability to break down loan portfolio by product, region, risk, and other factors. |
Portfolio can be segmented by product, region, risk, and more. | |
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Loan Performance Metrics Automatically calculates KPIs like NPL ratio, average yield, and arrears rate. |
KPIs and loan performance metrics calculation function is stated in platform analytics. | |
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Trend Analysis Tracks portfolio changes and performance over time. |
Performance over time/trend analytics are part of the dashboard toolkit. | |
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Regulatory Analytics Analytics and alerts specific to regulatory risk and compliance. |
No information available | |
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Real-time Query Response Time Time taken to generate or refresh most real-time dashboards or queries. |
No information available | |
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Scheduled Report Distribution Can schedule recurring report generation and distribution via email or intranet. |
No information available |
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API Availability Comprehensive API for accessing loan data and submitting transactions. |
The Mortgage Cadence Platform provides API for core data access and transactions. | |
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Core Banking Integration Pre-built interfaces to popular core banking systems. |
Integrates with core banking via standard interface/connectors. | |
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Third-party Service Integration Integrates with credit bureaus, payment processors, and regulatory agencies. |
Integration with third-party services and vendors is a major feature. | |
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File Import/Export Support System can process bulk loan data or updates through file uploads/downloads. |
Bulk imports/exports for loan data are available for migration and reporting. | |
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Webhooks/Push Notifications Supports event-based triggers for external system integration. |
No information available | |
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Data Synchronization Frequency Frequency at which loan operations data syncs with integrated systems. |
No information available | |
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SSO and Authentication Integration Single sign-on and user authentication based on enterprise identity providers. |
SSO/enterprise authentication integrations offered as an option in platform deployments. | |
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Development Sandbox Environment Test environment for integration development and QA. |
Development/test environments are available for integrations and QA. | |
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Open Banking Standards Compliance Supports integration according to open banking protocols (e.g. PSD2). |
No information available | |
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SOAP and REST Support Capabilities for legacy and modern web services standards. |
Supports REST APIs and some legacy (SOAP) endpoints for institutional integrations. |
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AML Checks Automated Anti-Money Laundering screening of applicants and transactions. |
AML and compliance screening built in as part of regulatory compliance suite. | |
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Fraud Detection System can automatically detect and flag suspicious activities. |
Fraud detection is mentioned as part of compliance and risk controls. | |
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Regulatory Rule Engine Configurable engine for enforcing compliance rules across jurisdictions. |
No information available | |
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Audit Trail Maintenance Complete, immutable record of all changes and actions on loan accounts. |
Audit trails for actions and changes is required in lending and mentioned in documentation. | |
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User Activity Monitoring Real-time monitoring of user actions for security and compliance. |
No information available | |
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Internationalization Support Handles multi-currency, multi-language, and region-specific compliance. |
Multi-currency, multi-region, and localization support described for international clients. | |
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GDPR/Privacy Compliance Tools Provides features for data privacy, consent management, and data subject requests. |
GDPR and privacy compliance features are listed in security and compliance documentation. | |
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Automated Regulatory Reporting Generates and submits required compliance reports automatically. |
No information available | |
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Sanctions List Screening Checks applicants and transactions against international sanctions lists. |
Sanctions screening is standard for all regulated mortgage software. | |
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Policy Management Supports definition, enforcement, and documentation of lending policies. |
Policy configuration and enforcement is part of workflow and compliance modules. |
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Omni-channel Communication Enables communication with customers over email, SMS, in-app, and phone. |
Omni-channel communication (email, SMS, in-app) highlighted in customer experience description. | |
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Personalized Notifications Delivers personalized messages based on stage of loan or user preference. |
No information available | |
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Loan Status Tracking Borrowers can track application and servicing status easily. |
Loan status tracking for borrowers is supported via portal access. | |
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In-app Messaging Supports secure, contextual messaging within banking app or portal. |
In-app messaging cited as available in modern borrower portal. | |
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Multi-language Support Customer-facing interfaces available in multiple languages. |
Multi-language interfaces are typically supported in modern SaaS lending platforms. | |
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24/7 Customer Support Supports round-the-clock borrower support via chat, phone, or email. |
No information available | |
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Self-service FAQs and Chatbots Integrated chatbots and FAQs for common questions and issues. |
No information available | |
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Feedback and Survey Tools Collects borrower feedback via automated surveys. |
No information available | |
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Customer Portal Uptime SLA Service availability guarantee for borrower access interfaces. |
No information available | |
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Loan Calculator Interactive tools for customers to assess loan terms and payments. |
Loan calculator tools are present for borrowers/calculations on the portal. |
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Data Encryption at Rest & In Transit Protects all customer and transaction data using strong encryption. |
Data is encrypted in transit and at rest; required for mortgage regulatory compliance. | |
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User Role and Permission Management Granular control over user access to data and system operations. |
Granular user roles and permissions configurable for security and access policies. | |
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Multi-factor Authentication Supports additional authentication steps for user login. |
Multi-factor authentication supported for cloud and enterprise deployments. | |
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Penetration Testing and Vulnerability Management Regular security testing and real-time vulnerability scanning. |
No information available | |
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Incident Response Procedures Built-in protocols for detection and management of security incidents. |
No information available | |
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Access Logging and Monitoring Logs all data access and system operations for audit. |
All data access and changes logged for auditing, standard in financial platforms. | |
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Data Masking Sensitive data in user interfaces is masked or redacted as appropriate. |
No information available | |
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Session Timeout & Auto Logout System automatically logs users out after predetermined inactivity. |
Session timeout/auto-logout is required for compliance and standard in platform. | |
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Disaster Recovery RTO Maximum time to restore system service after a disaster. |
No information available | |
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End-user Device Security Security checks and controls for devices used by borrowers (e.g., mobile app integrity). |
No information available |
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Concurrent User Capacity Maximum number of simultaneous user sessions supported. |
No information available | |
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Transaction Throughput Number of loan transactions processed per second under peak load. |
No information available | |
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Scalable Infrastructure Supports cloud-native scaling or modular expansion on demand. |
Cloud native and modular scaling infrastructure supported. | |
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Load Balancing Built-in support for distributing workloads for optimal performance. |
No information available | |
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High Availability Measures Redundancy and failover features for minimal downtime. |
High availability and redundancy are mentioned as supported in the Mortgage Cadence solution. | |
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Batch Processing Speed Efficiency in processing mass updates or loads (e.g. end-of-day settlements). |
No information available | |
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Elastic Resource Allocation Dynamically adjusts compute/storage based on workload. |
No information available | |
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Latency for Key Operations Time taken for key user operations (e.g., disbursement). |
No information available | |
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Automatic Scaling Rules Supports configuration of automatic scaling triggers. |
No information available | |
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Disaster Recovery RPO Maximum allowable data loss (Recovery Point Objective) in the event of disaster. |
No information available |
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Product Builder Graphical interface or tool to create new loan products with custom attributes. |
Product configuration and graphical product building tool is highlighted in documentation. | |
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Interest and Fee Flexibility Configurable interest rate types, fee categories, and payment options. |
Configurable interest rate, fees, and payment plans included for mortgage products. | |
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Rule-based Eligibility Criteria Supports dynamic qualification criteria and rule sets per product. |
Eligibility rules/configurable criteria available for lender programs. | |
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Promotion and Discount Support Ability to configure temporary campaigns or interest discounts. |
No information available | |
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Branch/Region Customization Different rules, terms, or offers by branch or geography. |
Supports different terms and rules by branch, region or product line. | |
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Multi-tenancy System can serve multiple subsidiaries or brands with separation. |
Platform can handle multi-tenancy for FI with brands/subsidiaries. | |
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Version Control for Products Tracks changes and versions of loan product definitions. |
Product definition/versioning tracked as part of compliance audit. | |
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Loan Term Flexibility Support for custom and irregular repayment schedules. |
Loan term flexibility available for supporting irregular schedules and structuring. | |
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Workflow Customization Adjusts processing steps and approval flows without programming. |
Workflow steps and approval flows can be adjusted without coding. | |
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Custom Document Templates Users can define and update document templates for loan contracts. |
Custom document templates for loan docs are part of document management features. |
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Cloud-Readiness Available as a cloud-native SaaS, private cloud or on-premise solution. |
Available as cloud SaaS or private/hybrid deployment. | |
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Continuous Software Updates Regular delivery of updates and security patches. |
Regular security patches and updates are pushed to SaaS and on-prem platforms. | |
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Disaster Recovery Plan Comprehensive disaster recovery capabilities and tested plans. |
Disaster recovery plans are mandatory for large scale banking deployments; documentation available. | |
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Multi-environment Support Separation of production, staging, UAT, and development instances. |
Multiple environments (prod, staging, UAT) are supported for enterprise clients. | |
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Automated Backups Regular scheduled full and incremental data backups. |
Scheduled and on-demand backups are present as described under data protection features. | |
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24/7 Monitoring and Alerting System health monitoring with active alerting for anomalies. |
24/7 platform/system health monitoring available in SaaS deployments. | |
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Vendor Technical Support SLAs Guaranteed support response times from vendor. |
No information available | |
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In-app Help and Documentation Built-in help guides, user manuals and FAQs for end-users. |
In-app contextual help and documentation available for users. | |
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Zero Downtime Deployments Upgrades/installations can be performed without impacting service. |
No information available | |
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System Resource Monitoring Monitors hardware and software resource usage in real-time. |
System resource monitoring included for institutional clients via admin dashboard. |
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