数字化客户开户及管理平台
Link. 平台概览
Link. 是 Heinbro 自主研发的企业级数字化客户管理平台，专为金融机构设计，提供从客户开户到客户生命周期管理的一体化数字解决方案。平台以效率、安全及合规为核心，协助持牌机构优化客户接触流程，加快开户及持续审查进度，同时提升整体运营效率。
无论是个人客户或中小企业开户，还是涉及信托或复杂架构的客户建立流程，金融机构都需要快速响应市场变化及客户对跨渠道服务体验的更高要求。Link. 提供可扩展且安全的数字化门户，使持牌法团能够与客户高效互动，显著缩短开户周期并降低合规风险。
Link. 的核心目标，是协助金融机构在监管环境不断变化及合规要求持续提升的情况下，仍能为客户提供顺畅且高效的数字化服务体验，同时维持严谨的风险控制。平台将合规要求嵌入开户及审查流程之中，在提升客户体验的同时降低操作风险。
平台具备完整的流程可视化及实时监控功能，使管理层及合规团队能够全面掌握开户及持续审查进度，确保流程透明、可追溯且高效，在加快业务转化的同时维持稳健的合规标准。
我们的技术建立在三大核心基础之上：数字效率、无缝合规以及优质客户体验。Link. 可灵活支持不同客户类型、产品类型及客户旅程，覆盖不同业务板块、渠道及设备，为金融机构及其客户建立低摩擦、高效率的数字化互动模式，实现业务发展与合规管理并行。
Frictionless Digital Client Onboarding Platform
Provide your clients with a very easy to use and unobtrusive way to remotely onboard themselves in their own time.
Enable your clients to complete their application process in their own time though a very simple guided journey. Whether they are individuals submitting their own information or other structured entities having to submit documentation from a distributed group of people, the process is very intuitive, requiring your clients to enter their information only once. To ensure a competitive advantage, we assist the industry leader to implement contactless, fully digital client onboarding to meet clients’ growing expectations for remote interaction possibilities on their channel of choice, all while smoothly granting scalable business continuity and built-in compliance.
Financial Crime & Compliance
Fuse the latest technologies and nable your firm to comply with a wide range of local and global regulations. Fight domestic and cross-border financial crime and digital AML/KYC and our advanced Regulatory Rules Engine.
Digital Client Self-Service Channels
Link. delivers an advanced, client-facing portal, letting your clients interact in a digital, secure and convenient way, reducing the time, cost and effort involved in data and documentation collection.
Onboarding & Origination
Deliver fast, frictionless and compliant digital account opening and onboarding processes for your customers. Multi-channel by design, Link. creates a smooth orchestration process for all customer data and documentation, minimizing time to revenue.
Client Data Master
Our centralized data system seamlessly integrates with leading data and screening providers as well as KYC utilities around the world. We automate customer data collection and remediation, saving you time and energy during client outreach.
金融罪行防范及合规管理
平台结合先进技术，协助企业符合本地及跨境监管要求。系统支持数字化 AML/KYC 流程及先进的监管规则引擎，有效加强对本地及跨境金融罪行的防范能力。
客户自助申请渠道
Link. 提供面向客户的安全数字平台，使客户能够便捷提交资料及文件，减少人工处理时间及运营成本，同时提升数据准确性。
数字化开户及档案建立
平台提供快速、顺畅且符合监管要求的数字开户流程。系统支持多渠道整合，统一管理客户资料及文件流程，缩短开户时间并加快业务转化。
客户数据管理系统
集中式数据系统可无缝整合国际数据及筛查供应商以及 KYC 工具，实现客户资料收集及更新流程自动化，从而减轻前线团队及合规部门的工作负担。
Client Lifecycle Management - How It Works
Client Profile Management
Gain a clear insight into your clients, even across multiple profiles and jurisdictions
No-Code Onboarding Journey and Form Builder
Quickly react to regulatory changes and update client information forms instantly, without having to reach out to the IT department
Ongoing Obligations
Automatically trigger your on-going obligations, from following up on expiring ID documentation to more frequent background checks on higher risk clients. and PEPS
Client Outreach
Keep your client communication consistent across your organisation, automate your outreach and re-engage with your customers advising them in due course
Approval Pipeline and Workflow
portal, letting your clients interact in a digital, secure and convenient way, reduc- ing the time, cost and effort involved in data and documentation collection
Data Enrichment KYC/AML/CFT
Do away with pointless document certifications and confirm data at source through open APIs
AML Risk & Rules Based Engine
Define the rules for how you risk rate (High, Medium, Low) your clients based on how you see the risk in your business.
Audit and Reporting
Our audits and regulators a standard set of reports and audit trails for their review and give yourself peace of mind that your client onboarding process is fully transparent and auditable.
Transform Onboarding in Your Organisation
Digitally transform the way you manage your client risk.
No-Code Onboarding Journey and Form Builder
Client Profile Management
Data Enrichment KYC/AML/CFT
AML Risk & Rules Based Engine
Approval Pipeline and Workflow
Don't make every client an exception, focus your resources on the more complex client structures.
Quickly react to regulatory changes and update client information forms instantly, without having to reach out to the IT department.
Cut down on PDFs and creating non-digital images of your client and product data.
Gain a clear insight into your clients, even across multiple profiles and jurisdictions.
Make quicker and more informed decisions and identify potential issues earlier through fully automated background checks and data enrichment. Reduce errors and endless handwritten documentation with a modern digital platform.
Do away with pointless document certifications and confirm data at source through open APIs.
Automated address verification, background checks, bank and credit checks enables you to continually evaluate your clients and identify potential AML issues very early on. Let the technology highlight potential "red flags" much more efficiently than the human eye. Your administration, operations and compliance teams can then spend their time focused on proper issues and more complex relationships, thereby improving the service and relationships across the majority of your client base.
Red, Amber, Green (RAG) or High, Medium, Low. Define the rules for how you risk rate your clients based on how you see the risk in your business.
Assign weightings to key data points such as country risk levels, background check results and source of funds. Match your EDD requirements to the level of risk assigned to a client.
Simplify operations with real-time task assignment.
As workloads increase, dynamically re-assign priorities. Automatically approve clients based on a predefined set of criteria. Focus your resources on where they are needed, not on mundane tasks that add no value.
Simplify operations with real-time task assignment.
As workloads increase, dynamically re-assign priorities. Automatically approve clients based on a predefined set of criteria. Focus your resources on where they are needed, not on mundane tasks that add no value.
Client Outreach
Keep your client communication consistent across your organisation, automate your outreach and re-engage with your customers advising them in due course. Log all conversations and maintain a digital audit trail of all follow ups and actions taken.
Prepared for that regulator inspection? Ready for the annual audit?
Our audits and regulators a standard set of reports and audit trails for their review and give yourself peace of mind that your client onboarding process is fully transparent and auditable.
Strive to deliver Results
数字化转型的优势
强大的开户管理工具
平台集中管理客户开户、AML、KYC 及监管要求，并自动化持续合规义务，降低监管风险。系统支持自定义在线表格及生物识别数据收集，实现远程无纸化开户流程。
全流程 KYC 管理
Link. 不仅提供背景审查功能，还支持完整的客户生命周期管理。系统结合企业内部政策及风险管理框架，通过自动化风险评分机制提升决策效率。
灵活成本结构及加快收入实现
透明的定价机制有助于企业更有效控制开户成本。更快速的客户建立流程意味着更快实现收入，同时减少后台运营支出。
提升运营效率
平台专为金融服务行业设计，提供现成整合方案、自动化数据及文件处理功能以及电子签署工具，从而全面优化客户管理流程。
高效的客户开户流程
Link. 协助金融机构为新旧客户提供快速且高效的开户体验。系统可管理从初始开户到整个客户生命周期的所有流程，包括系统整合、客户自助渠道及直通式处理。
提升客户体验
平台协助金融机构打造高效、低接触及科技驱动的客户服务体验。客户可通过不同渠道及设备进行互动。通过结合数字技术与专业支持，减少人工流程，整体运营效率可提升约 30%。数字化自助开户渠道亦可减少重复沟通及文件往来，实现真正的无纸化开户流程。
Tailored For Your Sectors
Ongoing Support
We're here to make the process as easy as possible.
Implementation
By guided through the configuration and deployment of the platform by our experienced Implementation team. Requirements analysis, scope analysis, customisation, systems integrations, user policies, user training and delivery are implemented through agile implementation cycles. This approach enables a quick to market set-up and so you can achieve the desired results and real change, faster.
Ongoing Use and Support
With interactive help and support, staffed by a fully trained Customer Success team, you can have confidence that we will be there to help guide your team through your digital transformation journey.
With Digital Transformation, Everyone Wins.
Link. provides a class-leading digital onboarding experience for advisors, for compliance teams, for everyone. It will differentiate your business and build better relationships with your clients.