Services for the complete digitalization of product configuration, property specification, financing calculation and digital contract signing in a unique omnichannel-capable solution.
Comprehensive configuration of the financing object
Using our data catalog and external data sources, we ensure excellent data quality as well as intuitive and fast recording of the financing object including special and additional equipment. The integrated VIN search can also be used to resolve vehicles fully automatically - simply by entering the vehicle identification number.
Condition design via product templates
The conditions/marketing plans are assigned via product templates, which the financial service provider uses to configure the financial products and parameters with which the sales partner can calculate. Additional services such as GAP or residual credit insurance, maintenance and wear and tear, fuel or service cards can also be added flexibly.
Configuration option for provider-specific specifications and rules
Framework agreements allow you to define provider-specific specifications and rules so that the user only has to enter minimal details within preconfigured restrictions.
Validation processes for customer data entry
The entry of private and commercial customer data is supported by numerous validation and convenience services such as address validation, IBAN calculator, digital account view via PSD2 or Crefo company search, thus ensuring a high level of data reliability.
Optimized communication between customer, merchant and financial service provider
The system controls and automates communication between the contracting parties. Additional conditions set, the status or further declarations regarding the credit decision and disbursement, as well as requests for specific documents, can be viewed transparently via the system in real time. This digital handling greatly reduces the need for coordination between the parties involved.
Upload portal for setting up all documents by dealers and end customers
In order to significantly reduce the process throughput time, the solution supports the provision of documents in digital form via a web or app upload. Paper documents are conveniently digitized via the Digitizer app and then automatically assigned to the correct process and document type.
Digital signature
The solution enables a digital signature of the contract via an identification and signature process specially developed for the POS.
Cross-channel offer creation
The solution supports the creation of offers in a hybrid approach, taking into account all sales channels (retailer, intermediary, online direct business). Offers can be created in one channel and seamlessly continued in another channel.
The CMS covers the entire life cycle from the preparation of the offer to the termination of the contract in one integrated system.
The modular structure gives our customers the freedom to implement the complete solution or only selected modules.
The system unleashes the full potential of all sales channels: be it lending in the branch, in the call center, with the intermediary, in the sales force (B2B) or in direct lending to consumers (B2C) via the company's own website, financial portals or web stores.
The CMS enables private and commercial sales financing via all financing products (credit, leasing) for any object group (vehicle, small ticket, equipment, cash credit, etc.).
The CMS makes lending decisions according to the criteria and rules individually defined by the financial services provider. This ensures compliance with standardized and centralized lending guidelines and regulatory requirements at all times.