數碼化客戶開戶及管理平台
Link. 平台概覽
Link. 為 Heinbro 自主研發的企業級數碼客戶管理平台，專為金融機構而設，提供由客戶開戶至全生命周期管理的一站式數碼解決方案。平台以高效、安全及合規為核心，協助持牌機構優化客戶接觸流程，加快開戶及持續審查進度，同時提升整體營運效率。
無論是個人或中小企業開戶，還是信託及複雜架構的客戶建立流程，金融機構均需迅速回應市場變化及客戶對跨渠道體驗的更高要求。Link. 提供可擴展且安全的數碼門戶，讓持牌法團與客戶高效互動，顯著縮短開戶周期並降低合規風險。
Link. 的核心目標，是協助金融機構在監管環境持續演變及合規要求提升的情況下，仍能為客戶提供無縫且高效的數碼體驗，同時維持嚴謹的風險控制。平台將合規要求內嵌於開戶及審查流程之中，在提升客戶體驗的同時，有效降低操作風險。
平台具備完整流程可視化及實時監控功能，讓管理層及合規團隊全面掌握開戶及持續審查進度，確保流程透明、可追溯且高效，並在加快業務轉化的同時維持高度合規標準。
我們的技術建基於三大核心支柱：數碼效率、無縫合規，以及卓越的客戶體驗。Link. 能靈活支援不同客戶類型、產品類型及客戶旅程，覆蓋各業務板塊、渠道及設備，為金融機構及其客戶打造真正低摩擦、高效率的數碼互動模式，實現業務增長與合規並行。
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.
金融罪行防範及合規管理
結合先進科技，協助企業符合本地及跨境監管要求。平台支援數碼 AML/KYC 流程及先進監管規則引擎，有效防範本地及跨境金融罪行。
客戶自助申請渠道
Link. 提供面向客戶的安全數碼平台，讓客戶以便捷方式提交資料及文件，減少人手處理時間及營運成本，同時提升資料準確性。
數碼開戶及檔案建立
提供快速、流暢及合規的數碼開戶流程。平台支援多渠道整合，協調所有客戶資料及文件流程，縮短開戶時間，加快收入實現。
客戶數據管理系統
集中式數據系統可無縫整合國際數據及篩查供應商以及 KYC 工具，自動化客戶資料收集及更新流程，減輕前線及合規團隊負擔。
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
數碼轉型的優勢
強大的開戶管理工具
集中管理客戶開戶、AML、KYC 及監管要求，自動化持續合規義務，降低監管風險。支援自建網上表格及生物識別數據收集，實現遙距無紙化開戶。
全流程管理 KYC
Link. 不僅處理背景審查，更提供完整客戶生命周期管理，結合內部政策及風險管理框架，透過自動化風險評分提升決策效率。
靈活成本結構及加快收入實現
透明定價機制有助控制開戶成本。更快速的客戶建立流程意味著更快實現收入，同時降低後勤支出。
提升營運效率
專為金融服務業設計，Link. 提供現成整合方案、自動化數據及文件處理，以及電子簽署功能，全面優化客戶管理流程。
高效的客戶開戶流程
Link. 協助金融機構為新舊客戶提供快速而高效的開戶體驗。我們管理由初始開戶至整個生命周期的所有子流程及工作流程，包括系統整合、客戶自助渠道及直通式處理。
提升客戶體驗
我們協助金融機構打造高效、低接觸且高科技的客戶體驗。客戶可透過任何渠道及設備互動，結合科技與專業支援，減少人工流程，提升約 30% 營運效率。數碼自助開戶渠道可減少重複聯絡及文件往來，實現真正無紙化開戶。
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.