Cloud Software Built for Banks, Microfinance and Insurers in the Philippines

One cloud backend ties all three together. SFA captures loan officer, collection agent, and insurance agent activity in the field. Loyalty calculates incentive payouts on defined slabs and pays out to a bank account or e-wallet. LMS gates product certification before a loan officer or agent can pitch a newly launched product. Branch and regional leads see field activity, payouts, and training readiness on one dashboard.

Each role gets its own screens. Loan officers log origination visits, collection calls, and repayment updates with GPS-tagged check-ins across barangays and provinces. Insurance and micro-insurance agents capture policy pitches, renewals, and persistency. Relationship managers run SME and retail account visits. One offline-first mobile app, role-specific KPIs for every field role.

Lending stages run enquiry, credit appraisal, approval, and disbursement. Insurance runs enquiry, quote, proposal, underwriting, and policy issue. Each stage carries ageing rules, so branch managers see live pipeline value by loan officer, agent, and product. Loan officers and agents see their own funnel with bottleneck flags so a stalled file does not go quiet for weeks.

Origination, collection, and conversion volume feed the loyalty engine directly from SFA. Slab rules calculate earnings on a set cycle with no manual reconciliation. Payouts disburse by bank transfer or e-wallet, with SMS confirmation. Audit trails cover every approval for internal-control review.

Yes. Structured modules cover product knowledge, collection procedure, KYC documentation, and data-handling practice that supports Data Privacy Act expectations. Certification status feeds SFA, so an uncertified loan officer or agent cannot pitch a newly launched product until quiz-gated readiness clears. Training content is built for a field force moving between Tagalog-speaking Luzon and Cebuano-speaking Visayas and Mindanao.

Yes. The app is offline-first. Loan officers, collection agents, and insurance agents working in low-signal barangays or during a typhoon-related network outage keep capturing visit notes, repayment records, and policy updates with no signal at all. Data, photos, and timestamps sit on the device and sync once coverage returns, so a storm never wipes out a day's field records.

REST APIs and SFTP connect to core banking platforms, microfinance loan management systems, and life or general policy admin platforms. Disbursement, policy issuance, and repayment status flow back into SFA for live pipeline and payout calculation. Webhooks trigger downstream alerts on events such as approval, disbursement, or a completed payout.

AI validates selfie attendance against the registered loan officer or agent. Application scoring ranks pipeline files by likelihood to close. Fraud checks flag duplicate origination or collection entries before a payout is released. 1Voice answers plain-language queries such as “show loan officer visit completion in Cebu this week” without a custom report.

Branch managers see loan officer and agent pipeline value, collection completion, and certification readiness. Regional leaders see roll-ups across Luzon, the Visayas, and Mindanao with drill-down to branch, officer, and individual application. 1Voice answers ad-hoc questions on demand instead of waiting on a scheduled report.

Beyond BFSI: FMCG, food and beverage, pharma and healthcare, consumer durables, building materials, agriculture, and logistics and field services. The shared cloud backend and modular configuration adapt to each sector's operational shape, from sari-sari store routes to bank branch networks.