1. Workplace Module
   1. Issue Invoice
   2. Disbursement Table
      1. Pending disburse
      2. Partial disburse
      3. Full disburse
   3. Aging receivable
      1. Follow Xero System
      2. Better can API with xero accounting system
   4. Bad debt
   5. Repayment monitoring
   6. Settlement
      1. API with IM2U Table
      2. Normal Table
   7. 1. Approval Module
      1. Auto sync while case being submit to credit control
      2. Approval flow
         1. Pending Review
            1. TAT - 48 Hours
         2. KIV
            1. 3 days to revert
            2. Cancel if not revert
            3. Revert continuous to seek for approval
         3. Credit Decision
            1. LO Approve
            2. Proceed on Hello Sign
            3. Proceed further verification on redemption info
            4. TAT - 30 days
            5. LA Approve
            6. Proceed to arrange Lawyer Signing
            7. Final confirmation on credit eligible
            8. Decision on disbursement date
   8. 2. Client Creation Module
      1. Manual generate as profile
         1. Approve to generate as profile
      2. Profile from existing client
         1. Approve to generate as profile
         2. Edit to generate as profile
      3. Auto Sync from IM2U
         1. After Client acceptance done via IM2U credit control
         2. Edit to generate as profile
         3. Approve to generate as profile
   9. 3. Documentation Module
      1. Supporting Docs sync from IM2U
         1. Manual selected from IM2U documents
            1. IC (Front and Back)
            2. Income Docs
            3. Utility Bills
      2. Application Form
         1. Confirmation link to client
      3. Credit Loan Documents
         1. Letter Offer
         2. Letter Agrrement
         3. Letter of Consent
         4. Letter of KOHATA
         5. Notification of Moratorium
         6. Redemption Letter
         7. Discharge Letter
         8. Reminder Letter
         9. Demand Letter
         10. Statement
         11. Others
      4. Employment Verification
         1. Customer acknowledgment link
      5. Disbursement Receipt
         1. SAS Arrangement Fees
         2. Legal Fees
         3. Stamp Duty Fees
         4. Disbursement Receipts
         5. Insurance premium
      6. Repayment Receipts
         1. Auto generate
   10. 4. Disbursement Flow
       1. Client profile auto generate via system
       2. Pending Disbursement
       3. Partially Disbursement
       4. Full Disbursement
       5. Cancel
   11. 5. Redemption and Discharge Module
       1. Client profile auto generate via system
       2. Manual generate via system
       3. Email / Send to client via system
   12. 6. Bad Debt Module
       1. Write off as internal discharge
       2. Stop interest
       3. Track into separate module
       4. Interest as per Rule78
   13. 7. Aging Monitoring Module
       1. Follow Xero format
       2. Status of Aging
          1. Pending due date
          2. Due 1 month
          3. Due 2 months
          4. Due 3 months
          5. Pending convert via cash back
             1. Stop interest
             2. Continuous with interest
   14. 8. Insurance Flow
       1. Client profile auto generate via system
       2. Jom pay
          1. 3 years
             1. Sun PrimeLink / Sun Legacy
          2. 2 years
             1. Sun PrimeLink / Sun Legacy
             2. 1st years
             3. Insurance company
             4. 2nd years
             5. SAS (On behalf)
          3. 12 + 1 months
             1. Sun Wira
             2. 1st years
             3. Insurance company
             4. 13rd month
             5. SAS (On behalf)
   15. 9. Communication Flow
       1. Sync with IM2U
          1. Communication with SSA / SSE
       2. SMS flow (clients)
   16. 10. Property Referral Fees Module
       1. Projection sync from IM2U initial proposal
       2. Actual sync from PMP
       3. Recognize as final while LA/SPA done
          1. Approve
          2. Reject
   17. Credit loan formula *
       1. Moratorium
       2. Rule78
       3. Flexi Loan
       4. Short Term Loan
       5. Factory Loan
       6. HCK Loan
       7. Insurance bundle Loan
       8. Other (available manual create)
2. Report
   1. Revenue
      1. Interest
      2. Late
      3. Property Referral
      4. Calendrer Search
   2. Repayment
      1. Total principal outstanding
      2. Total collection
   3. Balance Sheet
      1. Xero
   4. Total Summary
3. Dashboard
   1. Analysis
      1. Subtopic 1
4. Investor Workflow
   1. Investor fund in
      1. Date and type of package
      2. Investment return rate / by monthly / by half yearly / by yearly
      3. Email automation
      4. Statement
      5. Investment return monthly kick button process flow
5. Collaboration Partner
   1. API im2u settlement flow
      1. Invinity System Receive Application
      2. TAT day
         1. Approval within 48 hours
         2. Chat with IM2U advisory, reason approval or reject. TAT KPI Monitor
      3. Appeal Function
         1. Credit Manager
            1. Rejected by Credit Manager
         2. Credit Head
            1. Advisor can appeal to credit head
         3. SMS remind got new lead coming in
      4. Credit loan calculator
         1. API in IM2U application table let advisory to pre-calculate
         2. IM2U System got application buttom