The Madiston Platform for Digital Banking and Capital Markets includes all you need to take your financial services comprehensively online. The platform will suit neobanks, challenger banks, digital lenders, established institutions undergoing digital transformation or fintech start-ups. It is available as Licenced software, Software-As-A-Service, Platform-As-A-Service or the provision of the marketplace in which you can operate and manage your business, even working remotely. It provides compliant online direct financial services including core banking systems and facilities like Customer Accounts, Payments, Credit Risk Management and Loan Primary and Secondary Markets for Balance Sheet, Marketplace and Peer to Peer lending models and Investments.

The Madiston Platform<br>&nbsp;

The Madiston Platform
 

  • Comprehensive configurable platform
  • Highly automated to save running costs
  • Mitigates fraud and security risks
  • Hosted on own server, third party or cloud
  • Software proven in live environments

Consumer, Business and Property Lending

Consumer, Business and Property Lending

  • Standard implementation in 90 days
  • Configurable to your lending model
  • Loan origination to loan servicing
  • Tax Free Lending e.g UK IFISA
  • Risk analysis decision engine

Why Choose Madiston?<br>&nbsp;

Why Choose Madiston?
 

  • Innovator, shaping the future
  • Track record in FinTech
  • Regulatory experience e.g. UK FCA
  • Collaborative technology partner
  • Buy, not build, save time and money

  • Loan Origination – loan calculators, quotations, sophisticated credit risk decision model with KYC, credit and AML checks and scoring systems
  • Standard and tax-free investment accounts e.g the UK Innovative Finance ISA
  • Visual Marketplace – fixed or reverse auction-style bidding where lenders compete and underbid each other to remain in the loan
  • Automated Marketplace – not visible on the site, automatically matching lenders’ portfolios with loan requests that meet their criteria
  • Secondary Market – manual or automated, for lenders to sell and buy existing loan parts
  • Bidding Tools – AutoLend for automated portfolio bidding, enables experienced lenders to flex lending parameters to potentially improve interest rates achieved. ARBU (Automated Response to Bumped-Off Underbid) – an auto-rebid tool to enable lenders to stay in loans when they have been outbid
  • Loan Servicing – loan disbursal, collection and distribution of monthly payments, manage late or missed payments, interface with third party collection agencies
  • Compensation Scheme – optional lenders’ compensation scheme for missed or late payments automatically calculates and processes transactions to pre-defined rules
  • Comprehensive Information Services – market and regulatory information, statistics, charts, drill-down enquiries, email notification of transactions and events
  • Flexible definitions of lender and borrower products – enabling variation to match and move funds quickly to maximise liquidity (avoid lender funds stagnating in unallocated silos)
  • Salary Deducted Loans – offered by firms as an employee benefit or initiated as an individual borrower requesting participation by their employer to secure a lower interest rate


This is just a sample of the features in our comprehensive software platform. Get in touch to find out how we can configure our software via back office settings, to satisfy your consumer lending model. If more changes are required to meet your specification, our development team are standing by.

For more information or to discuss your particular requirements

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