App Configuration
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This centralized settings hub enables you to manage and configure Mobiloan's overall functionality. Any modifications made here will have a system-wide impact, affecting all users and connected devices.
Key configuration options available in this section include:
General User Configuration – Manage login options, signature settings and other related preferences.
App Alerts & Expiry Periods – Set notification preferences and define expiration rules for various features.
Loan Adverse Options – Configure adverse loan periods and automation settings.
SMS Features – Enable and manage SMS notifications and communication settings.
Reconciliation Settings – Adjust day-end reconciliation preferences.
Agent Commission Configuration – Define commission payment limits.
Reporting Options – Customize reporting settings for better analytics and insights.
FIC KYC Settings – Manage compliance-related configurations for Know Your Client (KYC) processes.
Integration Options & Tokens – Set up and manage API integrations, authentication tokens, and third-party service connections.
The Configuration Menu is located within the Setup Menu as a Menu Option, as shown in the screenshot below.
This section of the configuration workflow allows users to set global preferences that apply consistently throughout the application. It includes options for the app display label, login preferences, and signature settings, all of which are detailed in the tables below.
App Label
Sets the label displayed at the top of the app upon logging into Mobiloan.
Branch Manager Role
Sets the Default Role for the assigned branch manager - it's always best to have a dedicated Branch Manager Role, however, could be useful when the Super User is also the branch manager.
Alphanumeric
Set this option under Login Password Type to require both alphabets and numbers as a password.
Enable this option to strengthen password requirements. You can enforce a minimum length of 8 characters, prevent repeated characters, and require uppercase letters, numbers, and special characters
Numeric 4 digit pin
Set this option under Login Password Type to require a 4 digit number only as a password
Choose the signature options you want to include when signing the loan or promissory contract.
Hand signature on screen
This is the most used method and requires the client to be physically present.
This also requires the user to have their application enrolled on a "Touchscreen" device.
Telephonic voice recording
This refers to a telephonic voice recording, which has been automatically created by calling the client from Mobiloan.
Consent vis-a-vis debicheck
This method refers to the consent related to the Debi check authentication.
This means card and pin authentication and the client to be present. i.e. The client gives consent to the loan by swiping his card and confirming with his PIN.
OTP SMS sign
The client may give consent by confirming the OTP sent via SMS when selecting "SMS" sign.
Allps USB
This refers to the client giving consent via authenticating via card on the Alps terminal.
Allps Promissory signature on screen
When enabled, the user will be prompted for a second signature specifically for the AllPS promissory mandate. This ensures that the signature captured during the origination acceptance step is not reused for the promissory mandate
These settings control when a warning dialog should be shown to the user, ensuring timely and relevant alerts without causing notification fatigue.
When non-automated repayment method used on loan
Displays a warning to the user when a non-automated repayment method is selected for a loan. (Cash / EFT / Other )
When deferred payout method used on loan
Displays a warning to the user when a deferred payout method is selected for a loan.
This means that the payout method selected during origination differs to the payout method used in the payout workflow.
These settings establish expiry times for specific events and workflows, ensuring accuracy and timely execution.
User Inactivity Logout Period
Sets the duration of inactivity before a user is automatically logged out.
Incomplete Loan Warning Period
Specifies the time period before an incomplete loan expires, during which a warning is displayed to the user.
Incomplete Loan Expiry Period
Determines the length of time an incomplete loan can exist before it is automatically deleted.
Incomplete Application Expiry Period
Sets the duration for which an incomplete loan application can remain active before it expires.
Auto Expiry Period Days
Defines the default number of days for loan auto expiry.
The (number of days) in which a signed loan will be automatically flagged as Expired
These older loans will no longer appear in the Active Loans section as Older
An email notification will be generated, notifying the user of those loans which have been automatically expired.
Dormant Client Period
Specifies the period of inactivity after which a client is considered dormant.
Mobiloan features a robust system for managing overdue loans, ensuring efficient tracking and automated handling of adverse cases.
The system monitors overdue loans daily, incrementing a counter to track the number of days past due. When a loan reaches its predefined handover or write-off threshold, automated actions are triggered to streamline the process.
Enabling the Auto Handover feature initiates an automated escalation process:
The system automatically submits an adverse listing to the credit bureau once the loan reaches the handover period.
The loan status in Mobiloan is updated to "Handed Over", reflecting its transition to the next stage of collection or legal proceedings.
The Auto Write-Off feature serves as the final stage in adverse loan management. When activated, the system will:
Automatically write off the outstanding loan balance.
Update the credit bureau with the relevant write-off details.
Permanently restrict the client from accessing future loans within the platform.
These automated processes help maintain compliance, reduce manual intervention, and improve overall efficiency in handling overdue loans.
Overdue Loan Handover Period
Sets the number of days after which an overdue loan is handed over. The default industry standard is 120 days.
Only Auto Handover After Day in Month
Specifies the day of the month from which automatic loan handovers will start. Loans overdue before this day will not be handed over automatically.
Auto Handover Loans Toggle Switch
Enables or disables automatic loan handovers after a specified number of days.
Overdue Loan Write-off Period
Sets the number of days after which an overdue loan is written off. The default value is 92 days.
Only Auto Write-off After Day in Month
Specifies the day of the month from which automatic loan write-offs will start. Loans overdue before this day will not be written off automatically.
Auto Write-off Loans Toggle Switch
Enables or disables automatic loan write-offs.
Place client on hold upon failed receipt
The client will be automatically placed on hold if a debit order repayment fails.
Block new loan if open collection ticket
Prevents a client from taking a new loan if there's an outstanding collection ticket.
Here, you can enable / disable specific SMS options.
SMS Loan Link to Client on Payout
Sends an SMS with a link to the loan agreement to the client upon loan disbursement.
Maintain SMS Marketing Register
Determines whether to update or modify the client marketing register upon loan payout.
Block Reply to Numbers in Custom Messages
Prevents staff from replying to specific numbers using custom SMS messages.
Block URLs in Custom Messages
Prevents staff from including URLs in custom SMS messages.
These settings will allow you to set how the company's financial transactions will be reconciled.
Recon by branch
This is the proffered option; If your branch has a single cash box then the best option would be this one
Recon by user
If each user has a cash box then this option might be most appropriate.
Recon by device
Select this option if all of your devices have a dedicated cash box, which is essentially the same as recon by user.
Recon by area
If you were to reconcile by area then all transactions linked to a particular area would be presented for reconciling that means if there are multiple operators all operating in the same area pooling the cash and tracking down shortfalls will be tedious.
Day End Recon Reminder
Sends an email reminder to the responsible user if the day-end reconciliation process is not completed.
Recon Suspense Account
Uses a suspense account to temporarily hold unprocessed transactions during the reconciliation process.
These settings will allow you to set the company's commission parameters used in the automatic assignment of commission to agents.
Commission Allocation Expiry Days
Sets the number of days after which unallocated commissions expire.
Agent Wallet Minimum Payout Balance
Specifies the minimum balance required in an agent's wallet before a payout can be initiated.
Agent Wallet Maximum Payout Frequency
Determines the maximum frequency for agent wallet payouts (e.g., daily, weekly, monthly).
Agent Wallet Withdrawal Fee
Sets the fee charged for agent wallet withdrawals (in this case, fully sponsored means no fee).
Allow Manual Agent Commission Deductions
Enables or disables the ability to manually deduct commissions from agent wallets.
These settings allow you customize your reporting needs.
Financial Year
Sets the financial year
March to February
January to December
Profit and Loss Income Grouping
Groups profit and loss information based on the specification.
Loan payout month
Scheduled Receipt Month
Bad Debt Module
Enables filtering of reports to include loans that have been written off or handed over.
The Financial Intelligence Centre (FIC) Enquiry system in Mobiloan enhances risk evaluation by integrating client assessments into the loan origination process.
This guide provides step-by-step instructions for enabling and configuring FIC enquiries within the system.
Toggle the "FIC Required" checkbox to activate FIC checks for all relevant processes.
This section defines the scoring structure used in FIC reports. The key parameters include:
Risk Relevance: Classification of risk levels (Low, Medium, High, Extra High).
Single Score (1-10): A numerical value representing the severity of risk (e.g., 5 for Low Risk, 10 for Extra High Risk).
Overall Maximum Score: The highest possible score within each category, ranging from 135 (Low Risk) to 270 (Extra High Risk).
Expiry Period: The validity of the risk assessment, which varies by level (6 months to 3 years to every loan).
FIC Enquiry: A Basic FIC enquiry is mandatory for all risk levels.
Enquiry Fee: The fee for all FIC enquiries is set to 0.00.
Each assessment group is designed to capture essential client data for risk evaluation and compliance checks. The categorization impacts how the final FIC Enquiry report is interpreted.
Begin by selecting an assessment group from the dropdown menu, then review each option and assign a risk level to every indicator within the chosen group.
By default, all attributes are set to LOW RISK. However, users can adjust the classification by selecting from predefined risk levels using a dropdown menu.
When configuring risk levels for various assessment groups, consider the following:
Low Risk
Stable financial background
Minimal fraud potential
Reliable and verifiable information
Medium Risk
Moderate uncertainty in financial or personal details
New clients with limited history
High Risk
Significant uncertainty or missing data
Increased fraud risk due to incomplete or inconsistent information
Extreme High Risk
Critical cases requiring immediate attention
Severe financial instability or fraudulent patterns detected
Certain attributes may increase a client's risk level:
Geographical Location – Higher risk for clients from financially unstable regions.
Source of Income – Irregular or unpredictable income sources may be classified as medium to high risk.
Marital Status – Single clients may have higher financial instability risks.
Hold Status – Accounts flagged multiple times are considered high risk.
Loan Purpose – Loans for debt consolidation or emergency funds may be seen as riskier.
In this step, users can configure integration authentication tokens and manage the availability of third-party credit bureaus and service providers within the system.
Integration Configuration & Management
Set up or update authentication tokens required for secure third-party integrations.
Enable or disable access to credit bureaus and external service providers as needed.
Ensure that all integration parameters align with current operational requirements.
Typically, these settings are pre-configured by a Mobiloan Development Agent to ensure seamless integration.
However, if you need to modify settings, verify configurations, or have any inquiries, please feel free to reach out to our support team for assistance.
