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With PANACREDIT we are able to offer a solution with Internet-ready technology through a model of services known as ASP (Application Service Provider).

PANACREDIT is a service that takes advantage of the power and the connectivity of the Internet to bring your business the solutions it needs with just one click. With this plan, you take advantage of the applications that help you reach your business goals, we take care of everything else.

PANACREDIT: How it works

ASP model features

PANACREDIT (PANACREDIT) is all of our solutions, technology and know-how in credit, packaged with the advantages of an ASP model. With ASP, software is not just a packaged product, it is a strategic service.


	Access. Applications are accessed through an internet browser.
	Availability. The service is available 99.9% of the time.
	Start-up. Most users are ready to use the service after 2-3 weeks of training.
	Applications. All PANACREDIT software is available as a service.
	Support. 24x7 support services.
	Prices. Prices are based on the number of users and applications registered to the service.
	Backups. Daily automatic backups of applications and databases.
	Security. World-class security of hardware, software and installations.

PANACREDIT: Everything is in expert hands.
Through the PANACREDIT model, and with our alliance with AT&T, we provide and maintain servers, software, telecommunications, technical structures, and a support staff of professional experts.
The applications are hosted in the servers at data centers owned or contracted by PANACREDIT.
By enrolling in the service, users receive an account name, individual passwords, and the Internet address of the website where they can access the applications anywhere at anytime.

Speed and simplicity.
Subscribing to the PANACREDIT service is simple and fast. All that the user needs is an Internet connection and a few days of training in the use of our applications.

Services that keep the applications available and functioning at all times.
We have assigned an ample and qualified team of professional experts to PANACREDIT, whose mission is dedicated to:

	Offering the necessary training services, so that each user can master our solutions.
	Guaranteeing a 24x7 services, help-desk and customer support.
	Guaranteeing a 24x7 availability of the applications and the web site.
	Guaranteeing the security and the safeguard of backups, databases and users’ files.
	Offering the most complete consulting services related to credit strategies, and reengineering credit area processes.
	And in special cases, by offering services for personalizing applications, so that applications can perform specific functions.

Software and solutions to choose from.
All PANACREDIT’s software for credit management is available through PANACREDIT. You can choose from from a variety of applications according to business needs. This is flexibility and convenience.

Prices: Pay-per-use.
PANACREDIT’ price plan is established based on the number of users contracted to use the applications and the number of applications used..
The payments for PANACREDIT’ services are made on a monthly basis, and are determined by multiplying the total number of contracted users by the established monthly quota according to the applications that are contracted.
This price plan assures that your business pays only for services used. You can relax and be sure that your business is not paying for something it doesn’t need or doesn’t use.
We invite you to contact a PANACREDIT executive to discuss our prices and the conditions for PANACREDIT. service.

Security.
The applications, the client's databases, and the web site are all protected by the most advanced technologies, similar to those used by worldwide companies such as Microsoft, IBM and AT&T (See Table.)
Daily backups of the databases are performed. PANACREDIT guarantees 99.9x% availability of applications.


	eCustomer 2002.
	eCollecting 2002.
	eRevolving 2002.
	Grafidata.

	Follow the links to get more information about each product's features.


	PC with internet access
	Internet Explorer 5.5


To preserve the integrity and security of applications, databases and user information, PANACREDIT and AT&T (provider of servers, VPN and hosting) have put the following security systems in place:
Physical security
	Professional guards 24x7.
	Monitoring of visitors.
	Intruder alarm systems.
	Smart card access.
	Video camera monitoring.
	3-point physical check before access.
Hardware and software security
	Antivirus software.
	Digital certificates and encryption.
	Redundant firewalls.
	Cyber-intruders detection system.
	Automatic backups.
	Power plant.
	Fire alarm and fire suppression systems.

How to obtain PANACREDIT

The use of any of PANACREDIT’s products through PANACREDIT is fast and simple. Just follow these steps:

Contract the PANACREDIT service, selecting the application(s) you want to use.
Set up Internet access and a web browser on all the PC's that will be using the service.
Access the system at the Internet address designated by PANACREDIT, and sign in with the user name and password assigned to you.
Take a training course (lasting approximately 1 to 3 weeks) to take full advantage of all of the benefits of our software. Or you can use the system from day one, with or without training.
Enjoy the rewards of using PANACREDIT's technology.

Products:

eCustomer | eCollecting | eRevolving | Grafidata | PANACREDIT

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