You receive services for the complete digitalization of all sub-steps from object configuration to calculation (leasing, installment plan, forfaiting) and application. Based on an omni- and cross-channel approach, the portal for vendors, dealers or their sales force maps all user requirements at the point of sale in the sense of an embedded finance approach.
Transaction selection
An integrated search component enables the merchant to identify the transactions relevant to him, e.g. by searching for the applicant or the application/contract number. Furthermore, preset search constellations are covered via so-called work queues, e.g. applications for which additional documents or other requirements exist.
Calculation of all standard financial products, services and additional services
The calculation of the financing rate including all service components (e.g. maintenance) and optionally selectable (e.g. insurance) services can be optimized for all target variables (e.g. monthly rate, residual rate, down payment, term or residual value). The system also supports the definition of free payment plans, so that the amount and dates of payment can be set flexibly. Dealers are supported in selecting the right financing for their customers by comparing offers and terms.
Conditions and competencies
The financial service provider can use the integrated product engine to fully configure the financial products to be used for each asset class and period (e.g. in a promotional week) in combination with the associated services. Only the permitted financial products per trader/trader group with their specific competencies (interest premiums and discounts, etc.) are available for selection.
Customer data entry with validation processes
The entry of customer data is supported by numerous validation and convenience services such as address validation, IBAN calculator, Crefo company search or, if necessary, a digital account view, thus ensuring high data quality.
Upload portal for submitting all documents
The solution supports the provision of documents in digital form via a web or app upload in order to significantly reduce process throughput times (avoidance of postal transit times) or to avoid outdated procedures (faxing of documents). Files are uploaded to a communication portal using drag & drop. Documents in paper form are conveniently digitized via the Digitizer app and - as with file uploads - automatically assigned to the correct process and document type.
Optimized communication
The communication module, which can be integrated into existing customer or online banking portals, automates communication between the contracting parties. This means that all documents to be submitted and their processing status can be viewed transparently via the system in real time. This increases the confidentiality and security of communication (no e-mails) and processing on both sides, as all documents required for financing are available in a digital file that can be accessed by a defined group of people. This digital handling reduces the need for coordination enormously - especially when specific documents are requested or subsequently requested in the course of loan processing and decisions.
Digital signature
The contract documents provided by the financial services provider can be digitally signed by the customer from any location. We offer you integrations based on market standards - to fulfill the written form requirement with a Qualified Electronic Signature (QES). This leads to a faster conclusion. Even if signatures have to be obtained at different locations, they are all consolidated in a standardized contract document.
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.
