Each Covenant Desk workflow starts from a real operational trigger, uses scoped borrower data, and ends with a visible action, record, or audit point.
Trigger: a new or returning borrower applies. Actions: staff search HKID/name/mobile/loan number, open Customer 360, review DSR, partakers, credit reference, loan history, and AI support. Output: decision context for human approval or rejection. Control: access scope and lookup audit.
Trigger: a borrower has activity across a lender group. Actions: staff inspect active and total loan counts by company and merged loan history. Output: concentration context before new lending. Control: exact-HKID lookup and company permission rules.
Trigger: Softmedia overdue or upcoming notice sync. Actions: operations filter notices, sort by priority, click into matched borrower profiles, and log follow-up. Output: coordinated collections queue. Control: match confidence and sync-run history.
Trigger: borrower opens an instalment. Actions: client app creates a RepaymentIntent, displays FPS QR and reference code, borrower pays in bank app, staff reconcile the received payment. Output: repayment status and audit trail. Control: lender account configuration and reference matching.
Trigger: marketplace request, email, WhatsApp, Excel, phone, or walk-in inquiry. Actions: lead enters the queue, staff correct fields, approve, reject, or request more information. Output: CustomerRecord or rejected lead with reason. Control: selected-lender consent and source metadata.
Trigger: reviewer needs a summary or portfolio answer. Actions: AI risk summary runs on a profile, or Copilot calls database tools for lookup, risk ranking, overdue notices, and aggregates. Output: review support for staff. Control: human decision boundary and admin-governed edits.
Trigger: a lender adds users or changes team scope. Actions: admin configures roles, staff levels, company units, data sources, sync jobs, prompts, audit, and reports. Output: controlled operating environment. Control: RBAC matrix and audit logs.
Covenant Desk does not provide loans or make lending decisions. The software gives staff better search, profile, repayment, intake, and AI-assisted context so authorized lender users can apply their own credit policy.
Five in-depth guides covering credit reference data, loan origination, loan servicing, licensed money lender software selection, and Credit Data Smart readiness ahead of the rules effective 1 June 2027. All five are written in Traditional Chinese (zh-HK) for Hong Kong readers.
香港信貸資料系統（CRS）指南
How credit reference agencies, Credit Data Smart, loan origination and loan management systems differ — and which borrower record belongs in each.
Free assessment checklist
香港貸款發起系統（LOS）指南
The application-to-disbursement path: intake, documents, KYC, DSR, credit review, approval, and the handover into servicing.
Free process blueprint
香港貸款管理系統（LMS）指南
Repayment schedules, collection reconciliation, arrears follow-up, notices, statements and portfolio monitoring after disbursement.
Free health check
香港持牌放債人軟件選購指南
A buying guide that works back from Hong Kong licensing conditions, PDPO obligations and audit expectations to the system capabilities you actually need.
Free vendor scorecard
信資通（CDS）2027 年準備指南
What licensed money lenders should prepare before the Credit Data Smart rules take effect on 1 June 2027, including the record fields to structure now.
Free data checklist
All Hong Kong lending software guides on the Covenant Desk homepage
