PAGII was tasked with transforming a nationwide mortgage referral program that was previously
managed through manual spreadsheets and fragmented communication.
We engineered a secure, scalable B2B CRM designed to streamline the relationship between external
property brokers, internal sales forces, and area management. This massive operational scale is
managed through 6 strict user-role hierarchies. The result is a high-performance system that
guarantees data transparency, operational speed, and secure reward fulfillment.
Key Challenges (The "Before")
Manual data entry leading to high error rates and lost
opportunities.
Zero visibility on referral status for external brokers.
Slower response times due to manual handoffs between agents
and sales specialists.
High operational risk in calculating tiering points and manual
reward catalog fulfillment.
Our Solution (The "After")
We built a centralized digital ecosystem with zero-prompt logic, meaning the system
automatically triggers workflows based on data state changes, removing manual bottlenecks.
The platform features robust anti-fraud controls (OWASP Top 10) and comprehensive data sanitization
(PII-Safe) before processing.
Visual Feature 01
Multi-Role Operational Workflow
Hierarchical Mapping & Data Sovereignty.
We mapped the complex matrix of Area Managers, Sales Specialists, and external Brokers into 6 rigid user
roles. Data sovereignty is enforced; Sales Specialists only see their referrals, Area Managers monitor
their assigned regions, and Super Admins oversee the entire enterprise lifecycle.
Secure Multi-Role Workflow
External Broker
Submit high-value leads via secure interface.
Sales Specialist
Receive, follow-up, and update lead status.
Area Manager
Monitor regional performance and escalations.
Verification Team
Audit documents and disburse approved loans.
HQ Admin
Manage system logic and volume data.
Visual Feature 02
Automated Referral Escalation System
Eliminating Stagnation with Time-Based Logic.
To guarantee service velocity, the system monitors referral stagnation. If a Sales Specialist does
not act on a high-value lead within a predefined timeframe (T-Hours), the system automatically
triggers a tiered escalation.
Automated Escalation Logic
T=0
Minutes
Referral Submitted
Zero-Prompt logic creates Sales Ticket
T+X
Hours Stagnant
Warning Level 1
In-App Notification to Sales Specialist
T+Y
Hours Stagnant
CRITICAL ESCALATION
Automated handoff to Area Manager. Email Alert to HQ.
Visual Feature 03
B2B Gamification & Points Engine
Converting Approved Loan Volume to Tangible Rewards.
The core logic calculates points based on Approved Loan Volume, tiers, and agent history. Our custom
rules engine handles complex multiplication algorithms (Zero-Prompt Logic).
Loyalty Points & Fulfillment Engine
1. Data Input
Approved Loan Volume
Product Tier
Agent Disbursement History
Σ
PAGII Engine
2. Output & Action
Automated Point Calculation (Zero-Prompt)
Agent Dashboard Credit (Gamified)
40+ Reward Catalog Fulfillment
Project Gallery
Kejutan KPR Digital Transformation.
Explore the complete digital ecosystem of Kejutan KPR, from user interface designs to operational workflows
and system architecture. Click any image to view in full screen.
Project Video
See Kejutan KPR in Action
Watch the complete overview of the Kejutan KPR system, demonstrating how we transformed a manual
mortgage referral process into a streamlined digital platform.
