How smarter UX can shape the future of digital mortgage journeys
Simran Matharoo
October 30, 2024
apprivo originations platform
State of the art originations platform
Take control of your banking software with finova’s core banking system, Apprivo, designed to improve your speed to market with faster implementation and quicker on-going change.
OVERVIEW
One SaaS platform with the broadest range of financial products available on the market
Apprivo is an award-winning, fully customisable origination platform developed for banks, building societies and other lenders operating on a multi-sales channel model. Use Apprivo to effortlessly power the complete end-to-end origination journey across a range of financial products.
Supported lending types
Residential mortgages
Residential mortgage
First time Buyer
Right to buy
Family assist
Shared ownership
Shared equity
Self-Build
Retirement Interest only
Limited company mortgages
Residential buy to let
Limited company buy to let
Consumer buy to let
First time landlord
Expat
Let to buy
Specialist lending
Second Charge
Bridging
Property Development
Semi Commercial securities
Sharia Law
Savings
Savings
Deposit accounts
ISA
Junior ISA
TRUSTED BY
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Configuration as a service
Take control of your core banking operations
Self-Serve
Create and manage your own product changes quickly and independently.
Speed to market
Enter the market or expand your services quicker with our out-the-box lending and savings journey.
Scale your business
Broaden your business’s reach with a range of intuitive, low code modules.
Visual underwriting engine
finova’s SaaS banking platform is a full underwriting system with market leading self-service and self-configuration capabilities.
Process applications with market leading underwriting
Case management: Full case management for underwriting
Agile Kanban board to track case and manage workflow
Workflow and task management to manage your team activities
Rules engine for all affordability and eligibility requirements
Document engine to control all your documents creation and changes
Product engine to define, implement and launch your own products
With our powerful core banking platform, lenders can react in the market quicker than their competitors.
Book a demoConfigurability as a service
Modular by design
The Apprivo banking system is comprised of 6 key configurable modules which help to deliver a fully integrated and streamlined origination journey that meets your operational processes, giving you greater control.
Select one of the modules below to find out more
Financial Products Engine
Document Product Engine
Check-flow
Dynamic Forms
MAPPR Rules Engine
API Gateway
All the building blocks for great products
Independently and efficiently manage your businesses’ product catalogue within a matter of hours rather than days or weeks.
Easily launch new products and amend or retire existing products to maintain competitiveness and respond to sudden market changes.
The financial product engine seamlessly integrates with the document engine to produce offers and illustrations.
Paperwork without the paper
Use our Documents Module to create a frictionless mortgage journey for your customers. The module generates and stores every document and letter needed throughout the origination journey, making it easier to complete the admin for each case.
All documents can be signed by the applicant digitally and the system provides a certificate of authenticity for audit purposes.
Smart workflows
Our powerful Check Flow Module has 2 key functions:
1. Workflows and checklists: The module allows you to set your own automatic workflows and checklists for processing applications, for greater operational efficiency and enhanced due diligence checks.
2. Policy shields & warnings: Flags any potential risks within an application and alerts your team on a visual dashboard, helping to reduce manual processes and save considerably effort.
Collect the data you need
Collect customer data quickly and accurately with our Forms Engine Module. Build your own custom forms with a range of field and data types and full validation.
Use custom branding to match your company’s visual identity.
The Forms Engine Module integrates with the Documents Module to produce printed material from custom forms.
Decisioning made easy
Defines complex decision rules with our intuitive MAPPR module. The module allows you to set your own lending rules which are automatically applied throughout the application process, for greater risk management and operational efficiency.
The module also helps to map third party data sets into Apprivo from credit reference agencies, Open Banking and APIs.
Make Apprivo your own
Apprivo is an API first by design, allow customers to ingest data, initiate workflows and retrieve documents through a secure exposed API layer.
Apprivo is an open-source platform giving you the ability to seamlessly connect to any third party system to enrich its capabilities.
Gain access to your data, to drive business MI, regulatory reporting and further integrate Apprivo into your overall ecosystem.
Discover the benefits Apprivo could bring to your business
Book a demoCustomer engagement
Engage your borrowers and savers
Broker Portal
Onboard and manage your Intermediaries efficiently with our broker portal. Brokers can easily submit new applications within the portal, helping your business manage its application pipeline more efficiently.
With Apprivo2’s automated decisioning capabilities, your brokers will quickly find out if an application has been approved, with an ESIS generated in as little as 15 minutes.
Customer Portal
Simplify the originations journey for your borrowers with our customer portal. Designed for execution only applications, including product switch, the portal empowers your customers to manage their own applications.
Find out how Apprivo2 can help your business efficiently manage applications.
Book a demoCustomer engagement
Engage your borrowers and savers
Customer Portal
Modernise the way customers interact with their accounts and enable them to self-manage anytime, anywhere with our secure online customer portal.
Learn more
Retention Portal
Transform your customers’ mortgage switching experience with a fully branded digital solution that puts control in the hands of your customers.
Learn moreINTEGRATIONS
Create your own API economy
Open architecture is at the core of Apprivo, allowing you to seamlessly and quickly connect to the technology of your choice. Integrate with internal systems and applications for rapid straight through processing and greater operational efficiency.
Learn how Apprivo can integrate with your existing systems
Book a demoLending types
Our award-winning software covers all origination requirements for the widest selection of financial products including:
Residential
Residential mortgage
First time Buyer
Right to buy
Family assist
Shared ownership
Shared equity
Self-Build
Retirement Interest only
Buy to let
Residential buy to let
Limited company buy to let
Consumer buy to let
First time landlord
Expat
Let to buy
Specialist
Bridging
Property Development
Semi Commercial securities
Sharia Law
Find out how you can quickly expand your product offering with Apprivo2
Talk to our teamBorn in the cloud
Apprivo is a fully cloud-first banking system
Low code for easy configuration and implementation
Rapidly scale your infrastructure as your business grows
Roll out new changes without impacting current operations
Easily stay up to date with latest features and capabilities
99.99% uptime and increased security
Partnerships
Your trusted technology partner
We have partnered with over 50 lenders from across the financial services sector -
have a look at some of the clients we work with.
Hexaware Partnership
Meet our system integration partner
By joining forces with industry leaders, we amplify our capacity to deliver transformative solutions that seamlessly integrate cutting-edge technology, regulatory compliance and unparalleled industry expertise in the mortgage and savings space.
Open Architecture
Designed to fit into your business
finova’s Core Banking Platform is built to simplify connections to third-party software and your existing technologies. Our open architecture ensures seamless integration with your systems and services.
What our clients say
"We were very impressed with the powerful and customisable Apprivo platform. The new system will help us further improve our service experience for demanding customers and brokers with complex needs. It represents a step change into the future and keeps us at the forefront of our market place."
"It was important that we used software house that not only understood the market in which we operate, but had an excellent grasp of the complex processes involved to underwrite cases and to interface with multiple third party systems."
FAQ
Frequently asked questions
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Chris Little
Chief Revenue Officer
Your business partner
Chris Little
Chris Little is Commerical Director at finova, looking after the business’ corporate strategy for lending and banking solutions. In his role, Chris leads all business development and commercial activity, ensuring that finova retains its edge in the market.
Prior to joining finova, Chris founded and launched BEP Systems – the market leading origination platform in the UK’s lending sector which is now part of finova’s Core Banking offering.
Scale your business faster with Apprivo.
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