constant.ai: Revolutionizing Loan Operations with Self-Service Automation

constant.ai is a cloud-native, API-first technology platform designed to transform loan servicing and collections for financial institutions by enabling fully automated, self-service solutions directly within digital banking environments. With Zero Manual Processing™, the platform empowers lenders to streamline operations, reduce costs, and drive revenue growth through intelligent, embedded borrower tools and personalized product offers. Its robust suite of features supports critical loan actions like skip-a-pay, payoff quotes, rate resets, and loan modifications, while the Client Admin Portal gives lenders full control over policies and configurations. The platform enhances member experience with widget-based tools that can be seamlessly integrated into existing banking interfaces, and Live Agent™ allows frontline staff to guide borrowers in real time using the same digital tools. By leveraging data from over 120 core system fields, constant.ai delivers targeted campaigns during key loan events, boosting product adoption and non-interest fee income. With partnerships with leading digital banking platforms like Jack Henry Banno, Q2, and Lumin Digital, constant.ai accelerates implementation and maximizes ROI.

Key Features:

• Zero Manual Processing™: Eliminates manual intervention in loan operations.
• Widget-Based Borrower Features: Easily embeddable tools for self-service loan management.
• Client Admin Portal: Full control over programs, policies, configurations, and rules.
• Constant Work Queue™: Manages conditional approvals and stipulations efficiently.
• Live Agent™: Enables frontline staff to assist borrowers in real time within the digital journey.
• Income Builder: Drives non-interest fee income through personalized, automated offers across the loan lifecycle.
• Real-Time Loan Modification: Integrates premium costs (e.g., insurance, protection) into loan payments seamlessly.
• Event-Triggered Offers: Delivers relevant product suggestions during key moments like payoff, due date changes, or deferment.
• API-First Integration: Designed for easy, rapid integration with top digital banking platforms.
• SMS & Push Notifications: Keeps borrowers informed with automated alerts.

Pricing: constant.ai operates on a subscription model, offering flexible plans tailored to financial institutions’ needs, with pricing available upon request.

Conclusion: constant.ai is a powerful, forward-thinking platform that redefines loan operations by combining automation, personalization, and seamless digital integration—making it an essential tool for financial institutions aiming to boost revenue, cut costs, and deliver exceptional member experiences.