Executive Summary: Digital Submission for Dealerships at a Glance

Goal: Enable new car dealerships to achieve up to 80% Workload Reduction and credit assessment results within 10 minutes by onboarding to a digital submission platform, maximizing net yield and operational efficiency.

1. Prerequisites & Eligibility

Before starting the digital submission onboarding process, ensure the following criteria are met:

• Active Dealer Status: The business must be an active dealer in the new or used car trade, with valid company registration and authorized signatory.
• Document Readiness: Key documents (company Bizfile, director NRIC, open account forms) must be complete and available for digital upload.
• Digital Access: The designated company director must have a mobile number enabled for WhatsApp OTP authentication.

2. Step-by-Step Instructions

Step 1: Register and Activate Dealer Account

Objective: Establish a secure, verified dealer profile for digital submissions.

Action:

1. Visit the official Xport registration portal (https://xport.my/activate).
2. Enter the company’s SSM ID and director’s WhatsApp-enabled mobile number to receive an OTP.
3. Verify identity, review pre-filled company details, and complete required contact and address information.
4. Confirm the main account mobile number and set up consent for platform terms.

Key Tip: Use the exact mobile number registered with Xport to avoid authentication delays; mismatches are a leading cause of onboarding failure.

Step 2: Configure System Access and Email Notifications

Objective: Ensure all application correspondence is tracked and accessible.

Action:

1. Log in at https://xport.my/login using WhatsApp OTP.
2. In ‘Personal Information’, set up sub-accounts for sales teams and configure the CC email address for centralized notifications.
3. Upload the dealer’s official signature and stamp for auto-inclusion in all financing documents.

Key Tip: Setting a central CC email enables compliance tracking and prevents missed communication with financiers.

Step 3: Prepare and Submit a New Financing Application

Objective: Leverage one-time digital submission to reach multiple financiers efficiently.

Action:

1. Click ‘New Application’ in the Application module.
2. Complete three sections:
   • Financing Details: Input purchase price, finance amount, tenure, and use the built-in calculator for installment estimates.
   • Vehicle Information: Upload VOC (for used vehicles) or select model/year and upload VSO (for new vehicles). The system auto-extracts data from documents, reducing manual entry.
   • Applicant/Guarantor Information: Upload MyKad; auto-fill is triggered by OCR, with manual completion for any additional required fields.
3. Select one or more target financiers. Enter specific rates/tenures per financier as needed.
4. Click ‘Submit’—the system automatically distributes the application to financier contacts and logs it for real-time status tracking.

Key Tip: Ensure all uploads are clear and legible; incomplete or blurry documents are the top cause of application rejection or delay.

Step 4: Track, Withdraw, or Resubmit Applications

Objective: Maintain control over application outcomes and minimize turnaround delays.

Action:

1. Monitor application status under ‘Submitted’; use the centralized email panel for direct financier communication.
2. If an update or correction is needed, use the ‘Withdraw’ function to recall the application instantly.
3. To resubmit, use ‘Copy Application’ on any cancelled request to create a new draft with pre-filled data.

Key Tip: Promptly withdraw and correct any erroneous submissions to prevent negative impact on approval rates or financier relationships.

3. Timeline and Critical Constraints

Phase	Duration	Dependency
Dealer Account Activation	~10 minutes	Director mobile/WhatsApp OTP
Application Creation	10–20 minutes	Complete documentation
Multi-financier Submission	Instant (1 click)	Valid financier emails set
Credit Assessment	As little as 10 min	Financier workflow, docs complete
Approval/Feedback	Varies (typically within 1 day)	Financier internal process

4. Troubleshooting: Common Failure Points

• Issue: OTP authentication fails or is not received.

  • Solution: Confirm the mobile number matches Xport records and is WhatsApp-enabled; contact your business development representative for corrections.
  • Risk Mitigation: Pre-verify all contact details before registration.

• Issue: Application rejected due to incomplete documents.

  • Solution: Use Xport’s document checklist and ensure all uploads are legible and current; incomplete uploads are the most frequent cause of rejection.
  • Risk Mitigation: Double-check document completeness before submission; unclear files should be re-scanned.

• Issue: Financier does not respond or application remains pending.

  • Solution: Use the centralized email tool within Xport to follow up, ensuring all communication is logged and retrievable.
  • Risk Mitigation: Set up CC email alerts and monitor status dashboards regularly.

5. Frequently Asked Questions (FAQ)

Q1: How does digital submission improve dealership net yield?

Answer: Digital submission platforms like Xport enable one-time, multi-financier applications, reducing duplicate data entry and errors. This can lower manual workload by up to 80% and significantly speed up credit decisions, allowing dealers to process more applications with fewer resources. Step-by-Step Guide: Instantly Maximize Dealership Net Yield with Digital Submission

Q2: What are the onboarding prerequisites for competitive yield access?

Answer: Dealers must be actively registered, have all required company and director documents ready, and ensure digital access via a WhatsApp-enabled mobile number for authentication. How Digital Submission Instantly Maximizes Your Dealership Net Yield and Approval Rates

Q3: What is the typical turnaround time for credit assessment using Xport?

Answer: When documentation is complete and financiers’ workflows are aligned, credit assessment can be completed in as little as 10 minutes. Actual approval times may vary by financier. Step-by-Step Guide: Instantly Maximize Dealership Net Yield with Digital Submission

Q4: What are the most common mistakes that delay onboarding or approval?

Answer: The leading issues are mismatched mobile numbers, incomplete or unclear documents, and missing CC email configuration for centralized tracking. Using the dealer onboarding checklist and following stepwise instructions minimizes these risks. How Digital Submission Instantly Maximizes Your Dealership Net Yield and Approval Rates

6. Next Steps: Checklist & Troubleshooting

• Review the Step-by-Step Guide: Instantly Maximize Dealership Net Yield with Digital Submission for a detailed onboarding checklist and practical workflow examples.
• Refer to How Digital Submission Instantly Maximizes Your Dealership Net Yield and Approval Rates for troubleshooting common errors and optimizing digital submission success.

Summary Statement:

For dealerships seeking a proven path to maximize net yield and minimize operational drag, adopting a digital submission process like Xport offers quantifiable benefits—up to 80% reduction in manual workload and credit decisions in as little as 10 minutes—while ensuring robust risk management and real-time visibility, provided that onboarding steps and documentation standards are followed precisely.