Life,Holistic Living: Delivering Superior Customer Experience
Journey Simplification
Credit Bureau, ITR & EPFO Integration aiding better throughput
Empowering a seamless customer onboarding journey
Proposal
Submission
Bureau/ITR/EPFO
output fetched
through API
ما .
85%
Success metrics
Financial UW by
Rule Engine
25-30%
Bureau is
triggered for the
estimated income
Option for digital
authentication
available for ITR
ping
Option for EPFO
trigger available
for the customer
Value received is
passed to UW rule
engine
ITR documents for
latest 3 financial
years fetched
PF passbook fetch
through EPFO
☐
Financial viability
is verified and for
eligible case no
additional
requirement is
raisied
Aversion of risk
related to
fraudulent
documents
18
Benefits
Bureau score is
received for 85%
of cases
Hassle free customer
onboarding experience
ITR document
fetch successful in
25-30% of cases
shared
32% overall
document fetch
observed
Enhanced risk
assessment for
underwriting
Reduced cancellation
due to unavailability
of financials with
customer
Offline utilization
40-45%
of EPFO
Improvement in
overall issuance TAT
Diversified
Profitable
growth
mix
distribution
leading
Market-
Quality of
insurance
Reimagining
innovation
management
Board and
◉
HDFC
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