How phone collateral works

HOW IT WORKS

True 6 simple API calls

lock device remotely
1

API & SDK

We have a fully detailed API manual with a sandbox. Even SDK is ready if you like to connect true your own mobile app.

2

Dashboard

From our dashboard, you can see all reports, which you need. List of all registered devices, current status, cost center, etc.

3

Inventory management

You can do any actions directly and manually from our dashboard or directly from your system true API or setup automatically process.

4

Auto-lock scheduler

You can create any automatic actions directly in our system for any group of devices on a specific date or on a monthly basis.

5

Device groups

You can divide your customers into different groups and create a totally different process for them include different lock screens or messages.

6

Payment reminders

You can create any automatic push notification directly in our system for any group of devices on a specific date or on a monthly basis.

7

Admins & Roles

You can create different roles for your team to access our system. Like accounting, Collection , IT developers or managers.

8

Pricing

Pay as you go means you will pay just for the registered device once per year or per 6month. No other monthly fee or setup fee.

9

Use HaaS Hardware-as-a-service

In the emerging markets crowded with SaaS solutions, we are on a mission to conjure a focus-shift to offer all-inclusive solutions.

How Phone collateral works from a business view

1. Current situation

  • The onboarding process was designed and approved by country managers together with the Maloni team
  • The collection process was designed  and approved by risk managers together with the Maloni team
  • Check with IT team – implementation of phone collateral to our systém is simple just 6API calls (5MD for onboarding, 3MD for collection)

2. Why use phone collateral

  • Cannot imagine life without mobile phones even for 1hour
  • Tackle defaulters by blocking device access
  • Reduce manual efforts & costs in payment collection
  • Decrease credit losses & boost revenue, chance offer loan to low class
  • Own designed lock screen, with access to payment gateway and/or to a the customer service call

3. Where to use

  • For new customers: the app can be download by customers during the onboarding process, customers can get more scoring points
  • For existing customers: the app can be download by customers in “My account” to get a higher credit
  • For the collection team: the app can be download by customers when the customer is asking for a payment plan

4. How phone collateral works for business

  • For new customers: the app can be download by the customers during onboarding process, customers can get more scoring points
  • For existing customers: the app can be download by customers in “My account” to get a higher credit
  • For collection team: the app can be download by the customers when customer is asking for a payment plan

5. How phone collateral can be managed

  • Fully automatically – on the base of before agreed on actions, collection plan – ex. the customer is a lock after 5days after the due date and unblocks when payments are coming to our account – automatically. The app is deregistered when the loan is fully paid back automatically. Using phone collateral loans
  • Combination – we can run in parallel with the automatic process and manage manually any statutes (lock, unlock, messages, unregistration) directly from our systems(not done) or true partner system(done). Using phone collateral payment plans
  • All manually : recommend for small volume

6. How phone collateral works for IT

  • The best way is to implement 6 API calls to the Collection tool potentially to the loan management system for info device status
  • API calls
  • 1.Registration
  • 2.App link for download
  • 3.Confirmation
  • 4.Lock/unlock
  • 5.Unregistration
  • 6.Push notification
How phone collateral works

7. Others