Behind your automated workflow

SmallTicketSolutions turns complex financial programs into predictable workflows. Everything starts with a self‑service chat, followed by structured automation that only surfaces the situations that truly require human judgment.

Here is how it works.

Where we begin

How a workflow is started

Every workflow is started with a self-service chat. There are two ways to launch it.

Generic flows (ideal for loans)

Generic flows start from a single public link you can place behind a button on your website.

Applicants provide all required information themselves. The chat adapts based on answers, shows fields only when needed, and collects everything upfront.

This link never changes, and multiple channels can use it.

Specific flows (ideal for leasing)

Specific flows are always initiated through our One-Call Onboarding.

A partner or internal tool sends one request containing:

  • the region
  • the asset list
  • optional applicant information

We generate a unique link. This link is unique for just this deal. Applicants provide the rest of the information themselves. The chat adapts based on answers, shows fields only when needed, and collects everything upfront.

Multiple chat templates for any program

Both generic and specific flows can have their own branded chat template. This means you can run many different onboarding flows across products, partners, or countries. All variations lead into the same (regional) operational backend.

What we actually do

What the workflow contains

A workflow includes every automated step and the small number of human tasks needed to move an application from initialization to booking.

Applicant-facing steps

  • guided self-service chat
  • dynamic question logic
  • document uploads
  • real-time validations
  • identity verification entry point
  • pre-filled data from public registers
  • interest rates shown as they apply today

Platform automation

  • data validation
  • completeness checks
  • rule evaluation
  • credit logic
  • KYC, AML, and sanctions checks
  • collateral logic
  • pricing and margin calculation
  • risk-based adjustments
  • vendor subsidy logic
  • interest between start and deduction
  • document generation
  • amortization schedule creation
  • exception routing
  • preparation of the signing package
  • reminders
  • notifications

Case handler tasks

Only triggered when needed:

  • complete assigned task
  • review flagged items
  • perform four-eyes checks
  • approve or decline exceptions
  • request additional documents

Signer steps

  • authenticate
  • sign the contract package

Post-signing automation

  • reservation logic
  • advance logic
  • payout logic
  • notifications
  • issue purchase order
  • contract activation
  • collateral logic
  • sync with core systems
  • auto-booking
  • initialize acceptance procedure
  • generating audit trail
  • archive

A human is still required

When your team gets involved

The workflow involves a human only when the system cannot judge a situation with a high level of certainty.

  • unclear or inconsistent documents
  • identity mismatch
  • sanctions match above threshold
  • unusual credit result
  • any condition defined by your rules requiring a decision

Everything else is automated.

What sets the overlay apart

What makes us different

Pass or fail logic everywhere

Each rule returns a clear decision. If the system cannot resolve something automatically, the case is surfaced to a handler. This keeps processes consistent and predictable.

Hybrid document validation

Uploaded documents vary widely in structure and quality. We use machine learning to extract data when possible, but many documents still require human confirmation. This hybrid approach protects accuracy and avoids incorrect automation.

Program-specific rules inside the workflow

Each program can have its own rules, documents, validations, and logic. Rules live directly in the operational workflow, not as external configuration files. No more outdated documentation.

Flexible flow initialization

Workflows can be triggered by public links, the One-Call API for specific flows, partner systems, or internal tools. Regardless of how they start, they all flow into the same consistent backend process.

Benefits of working with us

What customers value most

Case handlers

  • faster processing
  • fewer decisions
  • less stress
  • fewer interruptions

Management

  • lower error rate
  • faster turnaround
  • more predictable processes
  • less manual actions

Applicants

  • easy to use
  • faster outcome
  • can do it in their own time

Making complex look simple

Built for multi-program and multi-country setups

You can run many chat templates across programs or regions. Each program and region can have its own:

  • rules & business logic
  • documents
  • identity requirements
  • interest logic
  • subsidy rules

Vendors and partners use a global integration point. The Platform handles all regional differences behind the scenes.

Want to see how your workflows run inside STS?