EkoHROK

The EkoHROK client is an advanced solution for communicating with the database of the Croatian Loan Payables Register (HROK).

The aim of the EkoHROK application is to enable banks to quickly integrate with the HROK, realize savings when accessing HROK, and ensure supervision abilities for using HROK services. It is based on latest web technologies and is a fast, reliable and scalable solution, working equally well for one, as well as for several hundred users. It can be used as a separate web application, or, using the already built-in web services, be simply integrated into existing banking systems.

The EkoHROK has been developed so it simplifies business to its users, banks, as well as realize savings and bring advantages their clients are sure to recognize:

• It provides banks with the ability to use one generic user account only, authorized by the HROK, as well as central registering of all signed and canceled consents for sending queries to HROK that is available in all branch offices.
  
  
• The bank can control and display detailed data on communication with the HROK, as well as query and reply history for the individual client
  
  
• Forming the reply database and managing the communication with HROK according to default parameters, the bank cuts its expenses and optimizes its business.

Implementing the EkoHROK application, the bank indirectly affords its clients an array of benefits.

• The clients are secured with the right to privacy, by printing and signing consents prior to sending queries to the HROK and defining authorized persons having access to these queries.
  
  
• The bank, creating reporting modules per client requests, has the possibility of adjusting to the client, which in turn results in business optimization and higher competitiveness at the financial market.