WWW.CODIX.EUFRANCE BULGARIA USA TUNISIA VIETNAM MEXICO

designed with inspirationpowered by knowledge

We know your Business

Event-driven business system

The only completeI.T. solution For Leasing

Modern technology for efficiency improvement

Events based management of cases

ORACLE and IBM Certified Partner

Manager :

Ilia KIRILOV

SOPHIA

ANTIPOLIS

FRANCE

CODIX strategyEnrich the domain of product and

activities covered worldwide in

cooperation with current Clients

and on opportunity, and so

constantly improve the iMX

solution

Extend the countries covered in

cooperation with current Clients

or direct new Clients supporting

any needed standard interfaces

and local regulations, currently –

users in more than 40 countries

and iMX delivered in 24 languages

Only one

job:

FIXED-PRICE

SET UP

ofSystems

personalized

to our Client’s

needs

Implementation,

development and support

Implementation,

regional support

ISO 9001: 2008

Certification

Targets... and Solutions

Unix (AIX, HP/UX, Solaris), Oracle, Intranet / Extranet / Internet

Integrated CODIX tools:WP, Imaging, Telephony, Fax, E-mail, SMS

(Complex processes)

(Large number of cases )

Events based managementExpert system

AutomationQuality

Tools Integration

System integration

QUALITY MANUAL

ISO 9001: 2008

Certification

Quality management

Global functional coverage

Factoring Classical, Reverse, ILF,

ABL,SCF,…

Leasing Operating, financial, …

Consumer Finance

(Loans, Revolving,…)

Refunding

Credit insurance

Debt collection

iMX Leasing modules

Leasing Finance

Business

Functionalities

Images

12

3

45

6

78

9

Internal Access

Analysis

& Decisions

Expert System

iMX Tel

Fax

SMS

Accountancy

GeneratorInvoicing

APIs REST / SOAP

& interfacesWord processing

E-mail

External Access

Re

al-tim

e c

om

mu

nic

atio

n (

we

b-p

ort

al, e

ma

ils, sm

s,

lett

ers

…)

Bro

kers

, cli

en

ts &

oth

er

part

ies

Op

era

tio

nal

ste

eri

ng

: D

WH

Leasing Business Functionalities

Client accounts management/ after sales operations /

asset maintenance

Prospecting(scoring, contract templates,..)

Risk management / Credit decision

Contractualization,Supply management

Invoicing / Payments

Pre-collection, early, lateand legal collection

Claims: asset damage / death /

unemployment & disability

Early termination / normal expiry (with or without purchase)

Re-lease / assets sales

Acc

ou

nti

ng

Data sources

Ta

sks, A

lert

s, W

arn

ing

s

to u

se

rs

Banks, Funding

Partners, Pick-up,

Insurers, Auditors,

maintenance platform,..

Web access

For clients,

suppliers,

Funding partners,

3rd parties,

Etc…

Onboarding and CRM support

Based on Expert System workflow, KYC, etc..:

Online application

Online chat

Online survey

Q&A

Scanned Document

Fax

SyntheticForm

Assets

Information E-mail Invoices

Fixed Data-----------Specific

Data

Lessor

Lessee

Supplier

Guarantor

Other thirdparties

User = Case Manager

Payments

Guarantees

Links

History

Output Text

Financing request

Contract Fees

iMX Case structure

Services

Insurances

GnG1 G2 G3

X groups

Y

rules

Routing Rules

Management Rules

Interfaces

Routing

Management

Texts

Paragraphs

Workflow

Calculation

Users

Expert System

Simulator

Expert System overview

SE Designer

E.S. result:action to carry out

(e.g.: phone, check, etc.)

User’s diary

Cases

«situations»

Cases

«pending»

Action decided by manager

ProcedureDetermination

ProblemTelephone

campaigns

Action

campaigns

Front to back leasing solution

Front

Middle

Back

Offer & asset catalogs

White labelling

Brokers & resellers

Clients self-service

Multi-simulations

Contract terms

Request analysis – Scoring

Risk management – Limits

Guarantees, Decision

Validation & Signature

Deprec. tables

Invoicing / payments

Collection

After sales modifications

End of lease

(early, normal,

full, partial,…)

Asset retrieval / pick-up

Asset sale / Re-lease

Structure of Leasing cases

Customer

account

Contract 1

Asset 1

Asset 4

Asset 2

Financing Request 3

(Schedule)

Financing Request 2

(Schedule)

Financing Request 1

(Schedule)

Contract 2

Asset 3

Supplier

account 1

Supplier

account 2

Funding

Partner

agreement

Funding

Partner

agreement

Funding

Partner Loan 3

Funding

Partner Loan 1

Funding

Partner Loan 2

Classical

and Frame

contracts

The business processes – assets

CatalogsAsset configuration can be done via catalogs including detailed

configuration and tariffs of the assets, its equipment and

accessories

They can be linked to one or more suppliers

Residual Value / Purchase valueMatrix based calculation of the RV / PV based on the type of asset,

planned usage, duration,…

Vehicles,

2 wheels,…IT Equipment Building Machinery

The business processes – origination

White labelingSystem is able to manage own brand and white labeling

Different pricing templates could be set up depending on

the brand

Brokers and resellersSales could be initiated either by the leasing company or

resellers/brokers

System manages commissioning and accounting for

resellers and brokers

Self serviceClients could initiate a financing request using the Extranet

Origination

Contract

During lease

End of lease

Financial Calculation Engine

• Powerful and flexible financial calculation engine

• Business oriented FCE that could be called from an external

application

• Multi-steps, variable interest rates, down payment, guarantee

deposit, reverse calculation, IRR calculation,…

• Pay per use functionality

The business processes – contract

Contract / Financing request implementationCreation of the cases with all the involved parties, assets,

services, insurances

Decision about applicable terms and conditions, simulation

of pricing

Syndication

Funding partners

Analysis of the financing request - ScoringScoring (including external data base query)

Proofs’ follow-up and evaluation of risks and guarantees

DecisionAcceptance or refusal decision (automatic or manual)

Based on limits, scoring, business rules

Origination

Contract

During lease

End of lease

The business processes – contract

Contract Collection of necessary documents and information

Contract signingRegistration of the signed contract

Supply management

Financing request enforcement

Financing and accounting/fiscal depreciation tables

GuaranteesSet up of the guarantees (guarantee deposit, buy-back

commitment, bank guarantees...)

Management of the guarantees

Origination

Contract

During lease

End of lease

The business processes

Leasing periodInvoicing of the rents

Tax is applied on each invoicing item (rent, fee, service,

insurance,…) based on the client situation, contract

configuration, asset localization and tax rate configured

Invoices could be grouped on the Customer account case by

Financing request / Contract

Invoices sent to the client could be customized using templates

Generation of direct debit files (if applicable)

Collection of the rents: matching – rejections – credit notes –

reimbursements

Payments’ follow-up and management of the overdue

Origination

Contract

During lease

End of lease

The business processes - Services

ServicesRegular and one shot fees / financed and non financed

Tariff could be fixed amount, matrix based amount, percentage

or calculated by an Expert System formula.

FeesModification fees : data modification could generate some fees

Manually triggered fees

Fees generated following a third party invoicing with or without

margin

Origination

Contract

During lease

End of lease

The business processes - Insurances

InsurancesCovering individuals / assets

Matrix based tariff

Packages (one insurance linked to several supplier services)

Origination

Contract

During lease

End of lease

The business processes – Collection

Scoring and segmentation

Pre CollectionPre collection procedures

Early collectionSearch for payment agreement

Payment plan follow-up

Late collectionSearch for payment agreement

Payment plan follow-up

Event of default / contract breachFinal demand and event of default

Origination

Contract

During lease

End of lease

The business processes – Modifications

Contract modificationPayment schedule modification

Modification/Addition of assets and services/insurances

Contract transfer

Applying contract modification fees

Damages on asset or death/unemployment/disability of

the lesseeClaim to insurer

Indemnification request and payment follow-up

Others incidents Search for contacts (MWLA…)

Disputes, fraud…

Bankruptcy/insolvency

Origination

Contract

During lease

End of lease

The business processes – End of lease

Early termination (total or partial)With purchase (by the lessee or a third party)

Without purchase

With or without early termination fees

End of leaseContract extension

Normal expiry with purchase

Normal expiry without purchase

Asset retrieval follow-up (appraisal, repackaging fees…)

Invoicing of the sold assets to the purchaser

Accounting of the asset’s sale

Balance of the accounting/fiscal depreciation

Origination

Contract

During lease

End of lease

The business processes – End of lease

End of caseBalanced cases

Bad debt and write off management

Case archiving

Case re-activation

Origination

Contract

During lease

End of lease

The business processes – asset depreciation

Depreciation tablesBased on the contract type, accounting and fiscal

depreciation tables are calculated upon Financing

Request enforcement

When applicable, depreciation tables are updated

following Financing Request modification

Depreciation tables are calculated taking into

consideration asset type, financing company rules and

local rules

The business processes – asset management

Asset follow-up Use’ follow-up

Follow-up of asset location

Asset appraisal

Repackaging

Re-leaseRe-lease of the off-lease assets

Off-lease asset salesNegotiation of sales / offer to purchase follow-up

Accounting of the asset’s sale

Balance of the accounting/fiscal depreciation

Regulatory requirements

GDPR

Basel yIFRS xx

All regulatory

requirements and

updates are

managed in the iMX

Integrated Accountancy

DIRECT ACCESS=

COMPLETE ACCOUNTANCY

AUDIT

Companyaccountancy

software

GeneralLedger

Integrated iMXAccountancy

Validation

Check reports

AccountancyGenerator

CaseAccountancy

Event

Dataexchange

Case

Operation

Codes

Is also much more

2Multi-currency management

w w w . c o d ix . e u

EVENT CURR. CASE CURR.

CLIENT ACCOUNT

CURR..ACCOUNTING

CURR..

13 keys flexible concepts

3Multi-company, Multi-lingual

EN

SPA

CN

FRA

RU

EN

4Flexible data upload/download

With customers

With business partners

With service providers

And much more…

Interfaces – example of Implementations

Documents/Images

Data sources / consolidation(Equifax, D&B, etc.)

On line Payments

Banks(SEPA,

SWIFT…)

GENERALACCOUNTANCY

PORTFOLIO MGNT(lessees & suppliers)

Extranet/Internet

REGULATORY BODIES(credit Bureau,

Central Banks, etc.)

EXTRACTION TO GROUP / HQ DWH

(optional)

CC Payments

e-Commerce

Credit Transfers, Direct Debits,

Reimbursements …

GL

bookings

exports

Upload /

Download

Individual data,

rating request/reply,

scores, limits, etc…

Limit

request

Creation

/upload

Upload of asset

catalogs and

supplier invoices

Financing

request

origination

E-signature

TelOvernumerated

Predictive

Dynamic

Management

of Users

AssistanceScripts

Priorities

Appointment

Incoming

Calls

1

2

3

4

5

6

7

8

9

Outgoing

Calls

1

2

3

4

5

6

7

8

9

Automatic

iMX Tel main features

Statistics

Dashboarding Style Charts

Multi LanguageUsers Management Sharing

SchedulingExport & Publishing

Business Univers

ETL

iMX Analysis and Decision

Drilling

Easy implementation

• Best practice versions for all

processes

• Minimum customization

• Fast track project

P&P

• SaaS model

• On premise model

We can deliver a SOLUTION…

Fully customisable

All tools integrated

One single database

Multi companies

Multi-currencies

Multilingual

Multi-products

Multi-channels

Multi-networks