CLOUD DATA stands as the pioneering digital service provider, esteemed and favored by numerous banking and non-banking entities across the Middle East, South Asia, and Africa regions
We are a process transformation company possess an independent software facility where solutions are meticulously customized to align with client specifications, devoid of any external dependencies. Technology underpins every facet of our operations, ensuring strict adherence to Service Level Agreements (SLAs) with our clientele. Our procedural workflows are meticulously designed and executed in accordance with the stipulations set forth by financial institutions, ensuring the punctual and transparent completion of outsourced activities.
High-Tech Field Visits with absolute transparency and same-day TAT for Credit Lending of SME and Salaried individuals, KYC Update, AML Check, Fraud Setup Check, Portfolio Health Check and Discreet Check Field Verification across UAE.
Multilingual and Well Trained Banking Professional Staff Stationed Across the country in each Emirate of UAE
Electronic forms with locked access to critical fields with automatic pictures, date / time and location controls
GPS enabled Pictorial PDF reports are shared same day via portal or email after reviewed by dedicated team
CLOUD DATA is the first digital and dedicated verification services provider with presence all over the United Arab Emirates
Today one of the most important part of a financial institution’s credit approval process is a physical verification. This is done to verify whether the information provided by the customer is authentic. Physical visit to the salaried and self employed applicant office for Field Verification is considered an essential aspect of a bank/financial institution’s credit and risk authorization process so that vital details about potential or existing clients can be confirmed via physical visits and other essentials in order to form a lending bond.
End to end lean process in five simple steps !
Field visit requests consisting the applicant details are sent by banks through email Attachments
Received FV requests are geographically segregated and assigned to the agents deployed area-wise
Tailored forms designed as per client requirement is filled with 360 observation about business setup
Reports submitted electronically by the field agents are carefully reviewed by expert underwriters
PDF reports with CIF number as file name is submitted to bank as and when reports are ready same-day
Field Verification is done for all type of lending
We have our own software house where solutions are tailored as per the client requirement without any third party dependency. We use technology in everything we do for SLA adherence with our clients where each process workflow is designed and followed as per bank's requirement to ensure timely and transparently completion of the outsourced activity.
We strictly maintain the same day TAT (turnaround time) with all our clients on mutually agreed cut-off times.
Entire Field Verification process is done on Android and iOS devices without any papers involvement.
Special data and operation security control through biometric to ensure that only authorised agents can operate.
Allocation received for Field Visit in MS Excel format or table in Email body is immediately segregated for allocation.
There is a unchangeable timestamp on every stage of Field visit initiation, conduct and submission.
Geostamp of the location where images are clicked are captured automatically without any manual intervention.
Field Agents do not have an option to upload pictures. Instead workplace photographs are clicked using camera only.
Time gap between the visit conducted, photographs clicked and reports submitted is strictly monitored by QC Dept.
Daily MIS of the received allocation with status and SLA snapshot is shared with clients for cases monitoring.
Field visits are conducted without any prior notification as per bank advise for discreet checks.
Reports received by the Field Agents are checked online on DED and MOHRE websites to add more values.
Each client is provided an access to the dashboard for their live monitoring of the assigned cases.
Our team of debt collection experts boasts extensive expertise and focuses on reclaiming debts through methods such as dispute resolution, mediation, negotiation, and settlement. We possess the flexibility to tailor our recovery approach to your specific situation and can adeptly represent either the creditor or the debtor in these proceedings.Our in-depth comprehension of the various avenues and procedural intricacies equips our team to offer effective solutions whenever possible. This encompasses exploring the potential of the UAE's judicial system as a final recourse, should the need arise.
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At CLOUD DATA, we pride ourselves on our comprehensive language capabilities, boasting a team of bilingual English, Urdu, and Arabic-speaking professionals who are integral to our call center operations. These skilled individuals are equipped to fluently communicate in multiple languages, ensuring effective and culturally sensitive interactions with our diverse clientele.To facilitate seamless communication, each member of our bilingual staff is assigned a private landline number dedicated to receiving and initiating calls. This exclusive contact point ensures a consistent and direct line of communication between our call center agents and customers, fostering a personalized and efficient experience.One of the core strengths of our approach lies in the meticulous record-keeping that we maintain. Every single phone call, whether incoming or outgoing, is meticulously documented in comprehensive logs. This meticulous logging system serves as an invaluable resource for auditing and monitoring purposes. Each call is not only logged but also preserved in audio format, capturing the entirety of the conversation.The availability of audio recordings proves to be instrumental in our commitment to transparency and quality assurance. These recordings can be reviewed by authorized personnel for audits, evaluations, and monitoring. This meticulous approach not only ensures that our communication remains accurate and compliant with regulations but also serves as a valuable tool for training and continuous improvement.In essence, our bilingual call center staff, armed with their private landline numbers, work diligently to foster effective communication. The comprehensive logging and audio recording of calls underscore our dedication to transparency, accountability, and the highest standards of service quality.
When we know someone is watching us, we tend to behave differently. We pay attention to small things we don't usually think about, like where we put our hands or how we look on our faces. This makes us show a more careful and polished version of ourselves. But it's actually more accurate to see how we are when nobody is watching or when we don't know that anyone is. This is the main idea of mystery shopping.Mystery shoppers, who are also called secret or hidden shoppers, act like regular customers at your business. However, they are actually watching and paying attention to specific things about how your business works and what the experience is like. In this discussion, we will start by explaining what mystery shopping means and look into the good things about it, how it's done, how it's planned, and how it's put into action. This will help you make good choices, whether you're making your first set of questions for shoppers or making changes to a program you already have.
Mystery shopping is a component of what we call the "Listen" or measuring phase in customer experience management (CEM). This indicates that the main aim is to gather data to generate useful insights that guide continuous enhancements. Several key advantages of mystery shopping programs encompass:
You can use the ideas of mystery shopping for any situation where potential customers connect with your brand. This implies that the approaches will differ depending on the field. Nevertheless, the most commonly used techniques are:
Arguably the most prevalent form, and probably the one that comes to mind when you think about mystery shopping, is when a hidden shopper goes to a place with a set of specific standards that they use to evaluate how well the staff and the business perform. These visits can last from a few minutes to several hours, depending on what's being assessed, the goal of the visit, and the specific industry of the business.Face-to-face mystery visits work well for businesses where a shopper can act like a normal customer without raising any doubts. Consequently, these types of visits are mostly utilized by the following industriess:
Retail
Restaurant
Petro-Convenience
Banking
Fitness
Personal Electronics
Hotel
Health Care
Automotive
Instead of going to a place, another option is for hidden shoppers to make a phone call to a business. This type of mystery shopping is commonly used to evaluate call centers, but it's important for any business that customers can contact by phone. It ensures that customers get the same kind of experience no matter how they interact with your brand. Telephone mystery shopping can replicate various scenarios, from making a purchase over the phone to asking for more details. This form of secret shopping is mainly employed by the following industries:
Call Centres
Hotel
Travel
Tourism
Virtual mystery shopping, sometimes known as internet mystery shopping, involves a hidden shopper interacting with a brand over the internet. As indicated by our Changes in Consumer Habits Reports, online shopping has been consistently increasing and doesn't seem to be slowing down. This makes this kind of program more and more significant.These virtual assessments are carried out by a secret shopper who evaluates how well a company responds online, how user-friendly their website is, or how they engage with customers on social media. Just like telephone mystery shopping, virtual mystery shopping is crucial for any brand with an online presence and is particularly popular in the following industries:
Travel
Telecommunications
Automotive
Real Estate
E-Commerce
Multiple Touchpoint (Hybrid) Mystery Shopping
Numerous companies find it necessary to use various forms of mystery shopping to get a precise measurement of their complete customer experience (CX). As stated earlier, your mystery shopping plan should mimic how customers engage with your brand. This approach is effective for evaluating different purchasing approaches like curbside pickup and third-party delivery. Hybrid mystery shopping entails hidden shoppers tracing the entire customer journey—from online interactions to phone calls to an in-person experience. Depending on your business's characteristics and scope, many companies see advantages from hybrid mystery shops, although they are predominantly favored by the following sectors:
Banking
Travel
Health Care
Hotel
Real Estate
Automotive
Our operational efficiency is underscored by our on-site printing and scanning facility, strategically designed to facilitate a seamless document acquisition process. This facility operates by electronically receiving the necessary documents, which are then efficiently printed using specialized equipment installed within our staff vehicles.Our adept staff members, equipped with the requisite tools, facilitate a smooth and secure transfer process. They ensure the authentication of both buyer and seller signatures during the transfer event. This hands-on approach not only ensures the legality and legitimacy of the transaction but also adds a layer of witness verification to the process.To maintain a comprehensive record and streamline communication with the relevant financial institutions, our staff members are equipped with scanning capabilities. Following the successful completion of the transfer process and the collection of signatures, the documents are promptly scanned on the spot. This immediate scanning enables us to swiftly share the signed and verified documents with the respective banks.In essence, our on-site printing and scanning facility serves as a critical link in the document management chain. It enables us to expedite the document collection process, verify signatures, and promptly share the necessary documents with banks—all while ensuring the utmost accuracy, security, and legal compliance.
We have implemented a comprehensive system for the management of document pickup, handling, and processing, which is meticulously designed to ensure a seamless experience for our customers. This system encompasses multiple stages, starting from the pickup of relevant documents, followed by careful handling and accurate processing to facilitate customer signatures.Once the necessary processing is complete, the documents are meticulously organized and returned to our customers in a meticulously reconciled format. This approach not only streamlines the document management process but also contributes to maintaining the highest level of accuracy and professionalism throughout.To provide our clients with real-time insights into the progress of their cases, we have developed a dynamic live dashboard. This dashboard offers a stage-by-stage status update for each case, granting our clients transparency and visibility into the exact progress of their document processing and related activities. This real-time tracking capability empowers our clients with the information they need to make informed decisions and manage their affairs effectively.In essence, our document management system encompasses a seamless journey from document pickup to processing, culminati
