Customer and Business Insights

Know Your Customer. Optimize Your Operations.

Pront-O by Ownest lets you know your customer up front

To make effective business decisions, it’s important to have the right customer and business insights. By analyzing the insights that our platform provides, you’ll make better decisions about what, when and how to sell to customers. Managers will also be able to monitor the productivity of strategies and staff. The results? Increased efficiency and profitability.

Now You Can Lead the Sales Conversation

Knowing your customer’s creditworthiness at a glance is a major sales advantage. But the Ownest system provides other valuable insights. Lead the sales conversation intelligently, identify the most appropriate product, and introduce up-selling or cross-selling opportunities. Pront-O gives the borrower choice, convenience and control – you have an instant, detailed and accurate snapshot of their creditworthiness.

Ownest's Pront-O app Instantly Pre-Qualify Borrowers with the 5Cs of Credit

The Five Cs of Credit

Lenders use these criteria to gauge the creditworthiness of potential borrowers. The Five Cs are used as part of the due diligence process to predict the chance of default and overall risk for the lender. Using the Five Cs gives a better overall picture of the borrower, by including the more ‘personal’ side of financing, like their character, as opposed to just past history and collateral.

 

Ownest's software verifies credit using the Five Cs of credit


Unmatched, Actionable Customer Insights

In addition to instantly validating their actual verified income via CRA and determining a customer’s creditworthiness, once the applicant is a customer, the autonomous mortgage application delivers even more in-depth insights about them.

  • Demographics – age, income, gender and education are useful real estate demographics – for an individual sale and for future planning. In addition to giving you the information you can use to identify up-selling or cross-selling opportunities, they give you useful data for identifying micro-markets or peer groups that share certain characteristics. Demographics give you actionable information to develop marketing strategies so you can sell into large and niche markets.
  • Geographic/Spatial – if the customer is applying from work, it may inform their choice of home location, so it’s valuable information to have in personalizing their potential real estate choices, for example.
  • Lifecycle – knowing where the customer is in the real estate lifecycle helps you position your product for whatever stage they’re in. For example, millennials starting families have different priorities than boomers looking to downsize. The customer lifecycle applies to other industries, such as insurance, auto sales and even home renovations – just to name a few.

 

Build Loyalty

Optimize your customer lifecycle from initial engagement to retention and loyalty. Our easy, automated outreach (via the widget) helps maintain the connection and develop customer trust with engaging touchpoints along the way. You’re giving them a reason to do repeat business with you and to refer family and friends.

 

With Ownest, you can engage in their journey, not just their transaction.

 

Business Insights: The Dashboard

Your cloud-based dashboard allows you to stay on top of leads, conversions, reports and notifications, all in real-time. It’s a user-friendly visual snapshot that’s accessible from any device – desktop to mobile.

For Sales Staff

After the system intelligently screens and ranks leads using the Five Cs of credit, they are visually depicted in the dashboard using the stoplight colour system, so you’ll know your customer’s credit status at a glance. You’ll also have all the functionality of a CRM, including:

  • Application status – giving you visibility into the mortgage process

  • Document uploads – the system organizes it once the client does their part

  • Email tracking and open rates

  • Calls/appointments and engagement on the account

  • Shareable newsfeed, so you can engage your customers with useful industry info

  • Marketing ROI, such as lead sources and conversion rates

The dashboard is your automated super-assistant, monitoring every phase of every transaction, so you’ll know exactly where each deal is at and what needs to be done next.

For Managers

The platform also provides a customizable overview of employee and team performance data, whether sales or marketing, allowing you to identify and manage important KPIs for employee productivity and other ROI optimizing analytics across the organization.

With Ownest, you really can Know Your Customer (and your operations) like never before.

 

Click to learn how Pront-O provides key customer and business insights to help you lead the sales conversation.

 

 

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