Product release notes

See the latest from FullCircl including feature releases, product improvements and partner integrations

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SmartAcquire
SmartBanker
SmartBroker
SmartOnboard
Platform

New Platform User Interface

We are excited to announce a comprehensive update to the user interface with new features and more insights to enhance your experience.

February 2024

We are excited to announce a comprehensive update to the user interface with new features and more insights to enhance your experience.

Let’s delve into the changes across various sections.

Company page

Briefing tab: The Briefing tab now includes a company logo accompanying the name and a convenient ‘Report’ button to download company information in a PDF format. Trend lines have also been added to get a quick glance at the financial information of a company.

Engagement Signals: View the last six Engagement Signals (increased from three), with additional information displaying percentage changes for a more nuanced understanding.

Tabs and information: Tabs have been replaced with a streamlined quick overview of company, finance, and credit, providing a more efficient and user-friendly interface.

Notes have been removed to ensure that the most important and relevant information is displayed on the Briefing page.

Social Tab: Twitter plugin has been temporarily removed.

 

Company Briefing page

Data tab

Address: We’ve added all trading addresses and an additional map view feature. Click on any address to see its location on the map and link through to street view.

 

Multiple trading addresses

Financials: Experience a wealth of financial data with an expanded five years’ worth of information, inclusive of Year-on-Year comparisons and percentage changes for a more comprehensive financial overview.

Five years' worth of data

Credit Risk: A new and improved Credit Risk view allows users to seamlessly switch between graph and table views, presenting information in the format that best suits your needs. A download report button has been added to enable users to create a PDF report to include the information they want to appear in the report.

 

Graph and table view

CCJ and Legal Notices: Formerly known as Legal, the tab is now labelled CCJ & Legal Notices.

 

CCJ & Legal Notices

Ownership: The Ownership tab has been improved to include Ultimate Beneficial Owners (UBO) and Persons of Significant Control (PSC), conveniently grouped together for a more insightful analysis.

 

Improved Ownership tab

Shareholders: Dive into Shareholders data through a dedicated tab, featuring an updated data format based on user feedback, presented in both table and pie chart views.

 

Table and pie chart view

Corporate Structure: Previously Corporate Family Tree, the Corporate Structure tab has been renamed to Corporate Structure.

 

Corporate Structure tab

In addition, the data sections have been reordered to group together sections that are related to each other.

SmartAcquire
SmartBanker
SmartBroker
Platform

Company and Credit Reports

Our new Report feature enables users to download all the information we hold on a company in a PDF format. It can be customised at the point of download, enabling users to select what goes into the report based on use cases.

December 2023

Our new Report feature enables users to download all the information we hold on a company in a PDF format. It can be customised at the point of download, enabling users to select what goes into the report based on use cases.

Improved design and format: The new Report button generates a PDF of the report in a new, refreshed design.

Additional content: Users can include more of the information we hold on a company within the report.

Customisable report: The report can be customised at the point of download, enabling users to select what goes into the report based on use cases.

The new Report button replaces the Print and Email buttons on the Data tab. The Report button can be found in the company profile header section.

A report can also be generated from the Credit Risk tab.

SmartAcquire
SmartBanker
SmartBroker
SmartOnboard
Platform

Design Refresh

We’re revamped our platform. The new design is more than just a visual upgrade; we’ve also improved the navigation to ensure you can find what you need quickly and efficiently.

December 2023

We’re revamped our platform. The new design is more than just a visual upgrade; we’ve also improved the navigation to ensure you can find what you need quickly and efficiently.

SmartOnboard
Platform

PEPs and Sanctions via ComplyAdvantage

We’ve integrated ComplyAdvantage PEPs and Sanctions data to provide a powerful onboarding and risk management tool. Now, you can effectively screen individuals and entities against global sanctions lists and identify high-risk customers, ensuring your business stays one step ahead of potential risks.

August 2023

We’ve integrated ComplyAdvantage PEPs and Sanctions data to provide a powerful onboarding and risk management tool. Now, you can effectively screen individuals and entities against global sanctions lists and identify high-risk customers, ensuring your business stays one step ahead of potential risks.

Benefits include:

  • Compliance with regulatory requirements
  • Identification of potential risks
  • Mitigation of reputational risk

Why ComplyAdvantage

  • 1000s of sources contribute to the comprehensive global coverage of PEPs, Sanctions and Watchlists
  • All PEP profiles checked for updates daily
  • Sanction updates every 15 minutes
  • 70% reduction in false positives
SmartAcquire
SmartBanker
SmartBroker
SmartOnboard
Platform

Experian Delphi Score Upgrade

The Commercial Delphi Score on our platform provided by Experian has been upgraded from Gen 3 to Gen 6. This upgrade incorporates Experian's latest credit scoring advancements, providing even more accurate and insightful credit risk assessments. Allowing you to make informed decisions confidently, minimise risks, and optimise your lending processes.

August 2023

The Commercial Delphi Score on our platform provided by Experian has been upgraded from Gen 3 to Gen 6. This upgrade incorporates Experian's latest credit scoring advancements, providing even more accurate and insightful credit risk assessments. Allowing you to make informed decisions confidently, minimise risks, and optimise your lending processes.

The latest version of Commercial Delphi is Experian’s most accurate yet, combining an enhanced blend of data assets to deliver increased predictive power and informed credit decisions.

Increased predictive power enables organisations to make more effective decisions across the whole credit lifecycle, from customer acquisition and onboarding to portfolio management and collections.

API
API

Experian Credit Data into API

We’ve introduced Experian credit data within our API to streamline your acquisition and onboarding process. Seamlessly integrate up-to-date Experian datasets into your systems, applications, and workflows. The integration enhances data-driven decision-making capabilities and saves precious data acquisition and processing time.

August 2023

We’ve introduced Experian credit data within our API to streamline your acquisition and onboarding process. Seamlessly integrate up-to-date Experian datasets into your systems, applications, and workflows. The integration enhances your data-driven decision-making capabilities and saves precious data acquisition and processing time.

Endpoints include:  

  • Commercial Delphi score
  • History of credit score
  • CCJs
  • Payment data
  • Days beyond terms

SmartBanker
SmartBroker
Platform

Monitoring: Engagement Signals Update

We’ve added new credit and risk-based triggers that provide alerts to changes in a customer's creditworthiness and risk profile. This update to Engagement Signals will provide additional information on changes to customers' credit and risk data and give users more frequent updates, not only when accounts are filed.

August 2023

We’ve added new credit and risk-based triggers that provide alerts to changes in a customer's creditworthiness and risk profile. This update to Engagement Signals will provide additional information on changes to customers' credit and risk data and give users more frequent updates, not only when accounts are filed.

This proactive approach enables you to make informed decisions swiftly and mitigate potential risks.

New credit and risk-based triggers include:

  • Days beyond term change
  • Commercial Delphi score change
  • Credit limit change

API
API

New API Modules

Recognising the needs of our clients, we have expanded our API offering with a range of new use-case-focused modules. Our API library now offers specific datasets that align perfectly with your business requirements to help acquire new business, accelerate onboarding, and keep customers for life.

August 2023

Recognising the needs of our clients, we have expanded our API offering with a range of new use-case-focused modules. Our API library now offers specific datasets that align perfectly with your business requirements to help acquire new business, accelerate onboarding, and keep customers for life. 

SmartBanker
SmartBroker
SmartOnboard
Platform

Smart Products Launch

We’re thrilled to announce an updated suite of products marking the next exciting chapter in the evolution of our business as we strive to help financially regulated organisations overcome their biggest commercial challenges. Initially launching with three distinct solutions (SmartBanker, SmartBroker, SmartOnboard), developed in partnership with experts from the banking, insurance, and wider financial sectors, allows us to uniquely cater for the specific needs of our customers.

June 2023

We’re thrilled to announce an updated suite of products marking the next exciting chapter in the evolution of our business as we strive to help financially regulated organisations overcome their biggest commercial challenges.

Initially launching with three distinct solutions (SmartBanker, SmartBroker, SmartOnboard), developed in partnership with experts from the banking, insurance, and wider financial sectors, allows us to uniquely cater for the specific needs of our customers.

SmartBanker

SmartBanker is designed specifically for frontline corporate, commercial, and business banking and financial services teams - business development, relationship management and account management.

It includes all the relevant features from our FullCircl Engage solution plus additional features to provide the most comprehensive data set and features to streamline workflows, acquire new business, and increase client retention.  

SmartBroker

Designed specifically for insurance brokers by insurance brokers, SmartBroker delivers rich, contextualised company information on every business in the UK and Ireland and increases sales distribution capacity.

By leveraging data-driven insights, brokers can identify new opportunities and build strong, long-term relationships that drive growth and revenue.

SmartOnboard

SmartOnboard has been designed to help financial institutions enhance the efficiency and effectiveness of their commercial customers’ onboarding processes by leveraging data-driven insights, helping with regulatory obligations, and meeting customer demands.​

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Platform

Credit and Risk Premium Data Extension (PDE)

We’ve added a new Premium Data Extension to our portfolio. You can now find Credit and Risk data from Experian on the Company Data page.

May 2023

We’ve added a new Premium Data Extension to our portfolio. You can now find Credit and Risk data from Experian on the Company Data page.

 

Data includes

  • Risk Summary
  • Commercial Delphi Score
  • Credit Essentials
  • Credit Limit and Credit Rating History Graph
  • Payment Days Beyond Terms Graph

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Platform

Follow Button on Group Explorer

We’ve added a Follow button on Group Explorer which allows you to follow a company directly from the Group Explorer feature.

March 2023

We’ve added a Follow button on Group Explorer which allows you to follow a company directly from the Group Explorer feature.

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Platform

Ownership and Corporate Family Tree Data

We've improved our ownership and corporate family tree data. Understanding company ownership structures and beneficial owners can help to improve customer onboarding, reduce risk through ongoing monitoring, and meet regulatory requirements.

February 2023

We've improved our ownership and corporate family tree data. Understanding company ownership structures and beneficial owners can help to improve customer onboarding, reduce risk through ongoing monitoring, and meet regulatory requirements.

The improved Ownership data tab now includes the following:

  • New Summary of Ownership
  • New Companies House Persons of Significant Control
  • New Beta Ultimate Beneficial Owners. This will be available to all customers in the Beta version but will become a Premium Data Extension (PDE) once it’s launched.
  • Updated Shareholder  information - data from the BIG

The improved Corporate Family Tree data tab includes:

  • Updated Corporate Family Tree - data from the BIG bringing it in line with Group Explorer
  • Direct link to Group Explorer from Corporate Family Tree
  • Additional Subsidiary data
  • New Portfolio companies

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Platform

BIG Data for Data and Briefing Page

Financials on the Data and Briefing page are now updated daily via the Business Information Graph (B.I.G.).

November 2022

Financials on the Data and Briefing page are now updated daily via the Business Information Graph (B.I.G.).

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Platform

Extended Director Information

Knowing who sits on the board of directors in a company can reveal important insight into how the company operates. We’ve improved Director information for Registered companies.

November 2022

Knowing who sits on the board of directors in a company can reveal important insight into how the company operates. We’ve improved Director information for Registered companies.


Our data is now updated daily and includes

  • New Director Summary Data
  • Changes to the list of Director data returned and its filters – including retired and closed directorships and a change to filter options
  • Director profiles – additional information added, including identifying shareholders, closed/retired directors, and disqualifications
  • Directorships overview – a summary of an individual’s directorship, the complete list of companies, and the ability to follow those companies directly from the overview section


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Platform

Improved CRM Panel

We’ve made improvements to the FullCircl panel in CRM solutions enabling you to see the number of Engagement Signals for your target companies.

August 2022

We’ve made improvements to the FullCircl panel in CRM solutions enabling you to see the number of Engagement Signals for your target companies.

These signals notify you of Next-Best-Actions to take on an account, helping to mitigate risk, facilitate deeper client engagement and maximise growth opportunities.

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API

Enhanced FullCircl API with Decision Engine

This enhancement enables businesses to programmatically screen customers based on their customised rules and policies using the FullCircl decision engine.

July 2022

This enhancement enables businesses to programmatically screen customers based on their customised rules and policies using the FullCircl decision engine. Helping businesses to:

  • Reduce cost to acquire and serve: increase speed and efficiency by automating manual effort, including when pre-screening potential customers
  • Automate onboarding decisions: automatically execute compliance checks at the point of origination, automate onboarding decisions and store the results for future reference and audit, and pre-approving credit for underwriting decisions.

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Platform

HMRC Import and Export Data

We’ve added a HMRC Import and Export data Premium Data Extension to our portfolio. HMRC Import and Export data allows users to identify which of their customers are trading internationally and understand where they may need additional support or products.

July 2022

We’ve added a HMRC Import and Export data Premium Data Extension to our portfolio.

HMRC Import and Export data allows users to identify which of their customers are trading internationally and understand where they may need additional support or products.

Accessed from the Data page, the HMRC Import and Exports tab allows users to view one month’s worth of data. Users can search for a specific line item by description or code, and filter between import and export.

This will be sold as a Premium Data Extension (PDE).

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Platform

Group Explorer

We’ve added a new feature which provides a visual way to discover company hierarchies to improve onboarding speed and reduce risk.

May 2022

We’ve added a new feature which provides a visual way to discover company hierarchies to improve onboarding speed and reduce risk. Group Explorer makes it easy for frontline and middle office teams to navigate entire company structures, drill into parent companies and subsidiaries, and see international linkages to:

  • Understand a company’s organisational hierarchy
  • Identify the relationships between customers/prospects and other group entities
  • Visually explore Ultimate Beneficial Ownership (UBO) to satisfy regulatory requirements