Changing the Game in Originations: Part 3

This three-part series explores how you can unlock the full potential of your auto finance originations operation, using real-world features in Alfa Systems 6 - a breakthrough iteration of our software platform.
Michael Mousdale
changing the game in originations - real steps you can take, right now

Real Steps You Can Take, Right Now

In the three-part Changing the Game series, we explore composable workflows, agile campaign management, and the benefits of a modern, consolidated technology landscape.

Part 1. Finding Efficiency with Composable Workflows

To maintain its competitive edge, an auto lender's underlying technology must be inherently flexible. Legacy systems damage productivity and limit growth, but real features in Alfa Systems 6 - designed meticulously by our expert teams, and drawing on customer insights - align perfectly with those flexibility needs.

Workflow acts as the quarterback, orchestrating automation, queue management, and hand-off for manual intervention. Using Compose, personalized screens are created and included in workflows in seconds, improving flow and reducing users' cognitive load. Meanwhile, the Business Rules Engine presents users with relevant information dynamically. Together, these features deliver a clear and engaging experience, driving efficiency throughout the operation.

Read Part 1 now.

Part 2. Boosting Flexibility through Agile Campaign Management

Bringing automation to credit and funding rates is a common focus for new technologies, but onboarding and embedding these innovations can be complex, often requiring deep engagement with platform vendors.

At Alfa, we believe such endeavours should be simple. With true application ownership in place, Alfa Systems 6 customers can be agile with their campaign management, and perform new integrations themselves.

Read Part 2 now.

Part 3. Quoting and Requoting with Unified Configurability

A unified platform for wholesale, originations, and servicing simplifies operations and ensures consistent and accurate data sharing across pricing, credit, and funding processes - eliminating the need for complex system integrations.

This configurability allows for real-time data analysis, enhancing decision-making and strategic planning. Features such as the quick-quote tool ensure consistent pricing and customization, based on customer behavior. Alfa Systems enhances customer and dealer experiences, enabling informed decisions, and supporting advanced features like multi-asset leasing and direct lending, all delivered through a proven and scalable methodology.

Read Part 3 now.

Part 3: Quoting and Requoting with Unified Configurability

As a global solution, Alfa Systems offers wholesale, originations, and servicing capabilities across diverse industries and regions. Our customers reap the benefits of a streamlined technology ecosystem that consolidates three pivotal platforms into one.

The unified configuration and data architecture that underlie pricing, credit, and funding also form the foundation for servicing. This cohesion eliminates the need for complex integrations to hand over data between systems that were designed independently.

Every stage of the contract lifecycle is underpinned by the same data, without the complexity of having to cross system and data boundaries.

By maintaining a single, integrated architecture, critical information can be shared across functions, ensuring consistency and accuracy - for example, past delinquencies, the number of loans, lines of credit, and assets used as security. Dealer-specific information, such as the total number of active deals for a particular dealer, is also readily available. Furthermore, the architecture enables the analysis of total lifecycle profitability from different campaigns and dealer subsidies, facilitating better decision-making and strategic planning.

Alfa Systems’ quick-quote feature allows for consistent pricing from quoting through to servicing, meaning every stage of the contract lifecycle is underpinned by the same data, and allows customized pricing based on customer past behavior. This information is all exposed in real time to our reporting solution, allowing our customers to go deeper with analysis and data insights - all without the complexity of having to cross system and data boundaries. 

Absolute, customer-owned configurability grants Alfa Systems customers self-service access to an array of features such as multi-asset leasing, subscription models, and support for direct lending.

And operationally, this translates to an enhanced customer and dealer experience. Given a holistic view of each customer's history, including current delinquency and credit application record, auto lenders can make informed decisions that foster customer loyalty. For example, detailed loan payoff information can trigger marketing campaigns tailored to the customer and vehicle, illustrating the potential trade-in value of the paid-off vehicle. 

Rather than relying on custom code, and facing the many inevitable associated challenges, our platform's strength lies in its absolute and customer-owned configurability. Designed into the product from day one, this key differentiating factor grants our customers self-service access to an array of features previously inaccessible or reserved for the future, such as multi-asset leasing, subscription models, and support for direct lending.

Alfa's delivery methodology further reinforces these benefits. Despite the unique and complex challenges of consolidating multiple core platforms for large automotive lenders, our proven approach - and unrivaled track record of delivering successfully and at scale - position our customers compellingly for the future.


Total Originations: Meeting the complex demands of successful auto lenders

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Frictionless for existing customers, Alfa Systems 6 is founded upon six pillars.

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Release 5: Intelligent Automation

Systemised decision-making through AI and rules-based workflows.

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Release 6: Collaborative Ecosystem

Simple integration with market innovations and through Alfa’s trusted partner network.