Nova Credit
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Business Insights Reports

  • Acquisition Risk Analysis:

It provides subscribed members insights on new applications from different angles, helps make better decisions and formulate business strategies.

  • Delinquency Rate Analysis:

It illustrates the delinquency status and related information of the client portfolio based on industry best practices. Reports format is used by major international banks. It provides essential information for subscribed members to analyze their portfolio and make any necessary adjustments to their credit policy.

  • Restructured and Write-off Account Summary:

It mainly focuses on the restructured and write-off accounts, shows the numbers and amount of bad debt by different dimensions to help subscribed members maintain vigilance on the losses.  



Risk Management System (Credit Risk)

  • Nova’s self-developed, a budget-friendly credit decision engine that enables decision flow control, score and segmentation implementation, credit rules application and decision, credit line and pricing assignment, etc. Features like champion challenger and other functions like audit reporting are also available.
  • It is easy to manage by “dragging and dropping” components to amend workflow or credit decision flow.



Risk Management System (Fraud Risk) 

  • Nova’s self-developed, a budget-friendly fraud decision engine enables anti-fraud analytics and rules implementation.



PRC ID Card Validation Device

  • It is a PRC ID Card reader with facial recognition and fingerprint verification. It is commonly used in PRC and Nova is the first to obtain all necessary clearance to distribute this device in Hong Kong.
  • It is an essential tool for detecting first-party fraud, and important for cross-boundary services for PRC customers in Hong Kong.



eKYC Solution for HKID (Nova KYC Suite)

  • Nova partners with Tradelink to deliver its market renowned eKYC solution. It enables service subscribers to remotely validate an HKID card and the identity of the cardholder.
  • Essential KYC element for online business at lower cost and more integrated services from Nova.



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