ATMOS for Microcredit Organizations: Card Linking, Automated Loan Issuance and Repayment, Data for Scoring

Modern microcredit organizations compete on service speed, customer convenience, and the level of process automation. Borrowers expect to receive funds on their bank cards within minutes and to repay their debt just as quickly, without any unnecessary steps.

ATMOS helps MCOs build a full-cycle online lending process—from linking a bank card and instantly issuing a loan to automatically processing repayments according to an agreed-upon schedule. Additionally, the ATMOS payment infrastructure provides transaction data that can be used in the microcredit organization's own scoring models.

A fully automated, end-to-end online lending process: from application to repayment

The entire online lending process can be automated in several sequential stages, with the ATMOS payment infrastructure handling the disbursement, repayment, and transfer of transaction data:

1. Linking the borrower's bank card to receive the loan and set up subsequent autopayments;
2. Providing transaction data for use in the MFI's scoring model;
3. Instantly disbursing the approved amount to the client's bank card;
4. Automatically repaying the loan according to an agreed-upon schedule from all of the borrower's available cards.

Linking the borrower's bank card

Linking your card is the first step in making the entire lending process as convenient as possible. The borrower confirms their bank card once, and it is then used for both receiving the loan and for subsequent automatic payments.

Benefits:

• Secure storage of tokenized card data in compliance with the PCI DSS 4.0.1 standard—card details are not stored on the MCO's side;
• A single linked card is used for receiving a loan and for subsequent automatic payments;
• Support for Uzcard and Humo bank cards;
• Performing repeat transactions without re-entering card details.

Transaction data for scoring models

The decision to issue a loan and the calculation of credit scoring remain entirely with the microcredit organization.

ATMOS provides the payment infrastructure and supplies MCOs with transaction data via API. This data can be used by the organization's own scoring system for a more accurate assessment of the client's payment behavior.

This approach allows for the use of real data on the borrower's payment behavior when building proprietary scoring models, while keeping card data processing within a secure payment perimeter.

Automatic payments: Instant loan issuance to card

Once the application is approved, the loan amount is credited to the client's bank card almost instantly. The automated payout service completely eliminates manual processing and significantly speeds up the loan disbursement process.

Benefits:

• instant payouts to the bank cards of individuals;
• automated mass payouts for the loan portfolio;
• transfer of funds to a previously linked bank card;
• accurate accounting for every payout and transaction monitoring

Automatic online loan repayment

Loan repayment automation is one of the most critical stages of the lending process. ATMOS ensures that auto-payments are made according to an agreed-upon schedule, which helps increase payment collection rates and reduce the operational load.

Solution capabilities:

• auto-payments from linked bank cards according to an agreed-upon schedule;
• the ability to process payments from all of the borrower's available cards to increase repayment efficiency;
• online acquiring for voluntary full or partial early loan repayment;
• automation of recurring payments without the involvement of MCO staff.

As a result, the level of overdue debt decreases, and microcredit organization employees are freed from manually processing each payment.

How ATMOS handles the entire online lending cycle

The ATMOS payment infrastructure combines all key stages of microcredit organization services within a single technological ecosystem:

• Bank Card Linking — a single card for receiving a loan and subsequent auto-payments;
• Loan Disbursement — instant and mass payouts to bank cards;
• Repayment — automatic payments according to an agreed-upon schedule;
• Data for Scoring Models — transaction information and payment discipline via API;
• Integration — a modern API and a cloud-based personal account;
• Operations Monitoring — control over payment execution
• Technical Support — 24/7 client support.

Summary

ATMOS provides microcredit organizations with a unified payment infrastructure for the entire online lending cycle: linking bank cards, instant loan disbursement, automated repayments based on an agreed schedule, and providing transaction data for use in an MCO's own scoring models.

This accelerates loan disbursement, increases repayment efficiency, reduces manual operations, and creates a convenient digital service for both the microcredit organization and its clients.