Services for the complete digitalization of all sub-steps from application submission, automated collection of credit information, implementation of case-specific scoring, automated credit decision to activation of the contract and automated entry into the inventory management system.
Cockpit and dashboards for ideal control of all activities
Freely configurable dashboards ensure ideal distribution and control of tasks within the back office. Users are only shown the processes that are relevant to them based on certain criteria (e.g. competencies) or have a high priority.
Consideration of all internal and external sources of information with graphical processing of the results
Sources such as credit history, payment behavior, ratings and retrievable creditworthiness information from third-party systems are taken into account and their results are processed in a structured manner.
Standard integration of credit agencies for commercial and natural persons
There are extensive integrations with national credit bureaus, agencies and credit rating service providers. In order to save costs, these third-party systems can be obtained in several stages. Orchestration is controlled via the integrated business process engine.
Automated credit decision with audit-proof audit trail
Based on internal and external data sources, the solution aggregates all the data required for the decision and makes it available via an API that can also be used externally. Based on the freely configured rule set using audit trail-capable, graphically modelable DMN and BPMN processes, the service makes a decision based on the stored credit policy in a matter of seconds.
Sophisticated disbursement management taking into account all payment flows
All information about the partners involved, property data and payment instructions are transferred to the back office or an external inventory management system via a business transaction so that the customer and account creation and management of the financing contract can be carried out smoothly.
Automatic KYC check of business partners including monitoring, logging and historization
All steps of a proper KYC check, from the identification of the beneficial owners, the extraction of any interlinking information to the initial check and regular monitoring against PEP and sanctions lists, are fully automated. Manual interactions are only necessary in the event of anomalies.
Digital checking, processing and subsequent requests for documents and evidence
The document portal enables submitted documents to be checked and, if necessary, corrected and amended in digital form. Any subsequent requests can be automatically communicated directly to the customer within definable deadlines and handled via the system. Intelligent document processing and AI-supported data models (machine learning) can also be used to extract content from documents and subject documents to an automated review.
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.
