SMTTMS MultiBureau

SMTTMS Technology – MultiBureau®

Simplified. Optimized. Reliable.

Upgrade your credit verification workflow with MultiBureau®, an advanced credit enquiry solution by SMTTMS Technology designed to deliver precise credit insights from multiple bureaus within seconds.

Submit applicant details directly through your Loan Origination System and let MultiBureau® manage the complete credit enquiry process. Irrespective of input format, the platform provides loan credit checks, bureau reports, and credit score ranges required for confident business decisions.

With an intuitive interface, minimal onboarding effort, and instant policy-level rule updates—without IT intervention—MultiBureau® ensures faster turnaround, higher accuracy, and operational efficiency.

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Accurate Credit Intelligence

Access consistent and verified credit data from leading bureaus through a unified system in real time.

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Operational Cost Reduction

Streamlined automation reduces dependency on manual processes, optimizes workforce utilization, and lowers operational expenses.

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Error-Free Processing

Automated credit data processing removes inconsistencies caused by manual inputs and subjective interpretation.

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Policy Compliance

Ensures every enquiry follows predefined business and risk policies, delivering standardized results across all credit checks.

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Fraud Risk Mitigation

Minimizes exposure to fraud by eliminating manual handling of sensitive credit information.

Core Features

Smart capabilities designed to simplify credit evaluation

Unified Data Input

Capture applicant information once through your LOS while MultiBureau® automatically adapts it for different bureau formats.

Insightful Analytics

Gain actionable insights through intelligent analysis that highlights bureau performance trends and regional data availability.

Configurable Rule Engine

Control bureau routing and decision rules directly from the dashboard to align with your organization’s credit policies.

Third-Party Ecosystem

Easily connect with Aadhaar e-KYC, Karza, Finfort, CreditVidya, and other external services within a single platform.

How MultiBureau® Works

A streamlined, automated credit enquiry flow built for speed, accuracy, and compliance

MultiBureau Credit Enquiry Flow

Technology Framework

Enterprise-grade infrastructure built for performance and scale

Advanced Technology Stack

Developed using modern technologies including Kafka, Spring, TensorFlow, Node.js, and React to support AI-driven processing.

Containerized Deployment

Docker-based deployment accelerates releases while maintaining consistency across environments.

Scalable Microservices

Modular microservices architecture allows selective scaling and faster upgrades with minimal impact.

High Availability Design

Intelligent fault detection mechanisms ensure uninterrupted service and system stability.

Auto Scaling & Recovery

Automatically adjusts resources based on demand and recovers from failures without manual intervention.

Zero-Downtime Deployment

Blue-green deployment strategy ensures seamless updates while minimizing operational risk.