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    • Intelligent Decision Automation

    Decisions in a matter of seconds

    The Intelligent Decision Automation solution supports all risk-oriented decisions along the business relationship with customers, partners, suppliers and other stakeholders.

    Binding financing commitments can be made on the basis of individual credit guidelines through external checks (credit reports), assessments and risk-oriented decisions.

    Key features of Intelligent Decision Automation | Credit Bureau Hub

    Extensive set of connectors to credit agencies or other data providers

    • Integration of internal and external data sources
      Enrichment of the financing application with internal and external data sources, such as credit agencies; a repository of over 40 standard APIs for national and international providers is available.

    • Direct connection to property valuations
      In addition to the credit agencies, property-specific information such as a collateral valuation via DAT or ETS is also available, the results of which are also seamlessly integrated.

    • Central data storage and caching
      Every information product called up via the gateway is stored centrally in the internal caching database and can be made available company-wide.

    • Central monitoring and error handling
      Communication with external data providers is monitored via an integrated logging mechanism in the Credit Bureau Gateway. This enables fast and reliable error identification.

    • Automated report generation
      Many providers deliver their credit bureau products as formatted documents. If such a service is not available, the Credit Bureau Hub can also generate PDF documents based on the structural data.

    • Integrated processes for subsequent delivery
      The Credit Bureau Hub supports processes for the automatic collection of subsequent deliveries and research requests for risk monitoring.

    Key features of Intelligent Decision Automation | Credit Decision Engine

    Implementation, operationalization and execution of decision models on a central and scalable platform

    • Modeling of decision models
      Use a fully graphical configuration environment to implement rule models, scoring procedures and decision rules.

    • Online administration
      Update customer-specific scoring and decision parameters and workflows, such as defining decision lines and chains depending on hierarchy levels or credit volumes.

    • Orchestration of credit agencies and services
      The integrated process engine is used to obtain external and internal data sources. This allows processes or new credit agencies to be adapted via configuration.

    • Execution
      Risk-oriented decisions are made in accordance with the configured policy, taking into account internal and external information on credit history, payment behavior, evaluations and retrievable creditworthiness information.

    • Deployment
      Transfer decision models to runtime environments in real time and benefit from automatic monitoring, logging and historization.

    • Data integration
      The Credit Bureau Hub enables the connection of international credit bureaus and agencies via a standardized interface and the simplified integration of individual data sources.

    • Simulation of decision models
      Simulate and compare different decision strategies against historical credit application data or analyze the effects of model changes at portfolio level.

    Benefits

    Cost optimization

    Integrated retention mechanisms reduce multiple calls to credit agencies and therefore costs. The modular structure of our solution also reduces maintenance costs.

    Individual parameterization

    Complex information from credit policy and calculation parameters can be individually taken into account in the sales funnel alongside background information on the business partner and typical user behavior.

    Specific workflows

    Information, assessment and decision-making processes can be designed flexibly on the basis of customer-specific requirements.

    Simple integration

    The modular structure and the underlying process-controlled architecture facilitate integration into existing systems.

    Supplementary solutions or add-on features in the Intelligent Decision Automation environment

    Philipp Oberleitner
    Managing Director Sales & Marketing

    Patrick Scharwenka
    Chief Product Officer

    Dr. Lars Rüsberg
    Sales Manager

    Philipp Oberleitner
    Philipp Oberleitner
    Managing Director Sales & Marketing

    Patrick Scharwenka
    Patrick Scharwenka
    Chief Product Officer

    Dr. Lars Rüsberg
    Dr. Lars Rüsberg
    Sales Manager

    NAVAX Software GmbH will never sell, market or disclose personal information to third parties.
    Case Study

    Maximum flexibility for Honda Bank

    End customers want quick credit decisions. With the Intelligent Decision Automation solution, Honda Bank has implemented a flexible framework for processing all risk-based decisions in order to be able to react faster and more effectively to changing customer and regulatory requirements in the future.

    Find out how Honda Bank benefits from the solution in this case study.

    To the case study
    Case Study

    TARGOBANK Autobank creates process efficiency with TABEA 2.0

    Since its market launch in 2015, TARGOBANK Autobank has quickly established itself as a highly competitive automotive bank in a highly competitive market. Since then, it has used the CMS Credit Management System to manage sales and Wholesale finance processes in a fully integrated, web-based and modular system - end-to-end. Changing customer behavior and increasing demands on user experience also mean that systems in use in Purchasing and Retail Finance have to be constantly adapted. A modernization of the solution was also on the agenda at TARGOBANK Autobank.

    Read the case study.

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    Case Study

    New savings bank solution for modern Retail Finance

    As regional market leaders, savings banks must constantly defend their share of the consumer credit business. For Ostsächsische Sparkasse Dresden 's business, it was important to respond more quickly to requests and process them smoothly, with seamless processes for all parties involved and many years of experience in integrating OSPlus into the existing IT landscape. Together with NAVAX Software, it has created a new type of solution for Retail Finance at the point of sale that gives it a clear market advantage locally and generates attractive revenues. The application is also available to other savings banks as an out-of-the-box solution.

    Read this informative field report.

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    White Paper

    Equipment Finance: investment financing at the next level with a state-of-the-art end-to-end IT solution

    Investment financing is a cornerstone of competitiveness for manufacturers in many industries. With Equipment Finance from NAVAX, you can fully digitize all financing processes. And this for all types of goods. The solution paves the way to Retail Finance - as an end-to-end solution that can be integrated into your existing IT landscape or via modular business services, depending on your needs.

    Read this white paper to find out how you can benefit from this.

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    Case Study

    Building society savings: Process analysis in preparation for a system introduction

    Securing the future in terms of competitiveness requires efficient, modern processes and optimal system support. The consultants from NAVAX Software analyzed and optimized the business processes of an international building society for greater user-friendliness, efficiency and compliance.

    To the case study
    Publication in FLF

    New approaches to system architecture

    From practice for practice: Finding the right solution architecture thanks to many years of experience.

    In the magazine "Finanzierung Leasing Factoring" (FLF), Martin Feith and Martin Fröstl comment on the decades-old "dispute" as to whether the system architecture of financing solutions for leasing, credit or factoring should be monolithic or modular. They compare the advantages and disadvantages from their daily practice and show how the circle can be successfully squared.

    You can find more details in the publication. Experience counts.

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    Case Study

    Success story of abcfinance GmbH: Successful with HENRI

    Our solution: HENRI for Leasing.

    • Time and cost savings through a fully integrated solution,
    • Web portal for the integration of partners and brokers,
    • Use of a single software for all core leasing processes.

    Read about the challenges faced by abcfinance, the solution and the collaboration between NAVAX and abcfinance in this user report.

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    Solution Paper

    Expert know-how for future-proof solutions

    Together with experienced consultants from NAVAX Software, you can ensure that your strategies and processes are geared towards future challenges. We not only deliver position papers, but also support you in the identification, direction finding and concretization of the fields of action as well as their implementation.

    You can find more information on the process, methods and benefits of our consulting services in this solution paper.

    To the solution paper