Customers from all sectors and of all ages expect simple, fast and uncomplicated contract conclusion - also or especially in the area of financing.
With Intelligent Online Sales, finance and service providers, manufacturers and retailers can implement all the necessary functionalities for the entire process chain of business initiation in an innovative and digital way: From the selection of the financing object to the recording of the application data to the digital signing of the contract.
The special feature of our solution is that it can be merged with existing application channels, e.g. via the branch or a dealer in the sense of an omni-channel approach, so that a change of channels is possible at any time and without data loss. Inspire your customers with a direct online contract conclusion - regardless of regular business hours.
An dieser Stelle finden Sie Inhalte eines Drittanbieters, die Sie mit einem Klick anzeigen lassen können.
Dadurch können personenbezogene Daten an den Drittanbieter übermittelt werden. Mehr Informationen finden Sie in unseren Datenschutzbestimmungen.
Object entry
If the object entry or object configuration has not already taken place in external systems, our online sales solution offers integrated object entry. We offer dedicated object catalogs for various objects from the automotive, bicycle, caravan and equipment sectors. Otherwise, the object is transferred via an interface.
Calculation of the financing offer
In order to support the end customer in choosing the financing product and its structure (down payment, term, etc.), the customer is optimally guided through the process. By comparing different terms and down payments, the customer can easily find the right set-up. In addition to the "classic" calculation, we also offer methods to determine the maximum budget and adjust the financing rate accordingly.
Recording personal data
We work with the open banking platform of one of our fintech partners to quickly and efficiently record the data required by the financial services provider for the creditworthiness and liquidity check. Much of the required data is provided by the digital account view - For the remaining data, we offer additional convenience services (address validation, IBAN helper, ID scan, etc.).
Online decision
In online business in particular, it is essential that the decision to accept or reject the financing application is made in real time. To this end, we integrate existing credit decision engines from financial service providers or use our tried-and-tested Intelligent Decision Automation solution, which is already making life easier for many customers.
Generation of contract documents
After a positive credit decision, the customer is provided with a dynamically generated contract set according to their constellation.
Upload additional documents
If the financial service provider requires additional documents from the customer, they can be uploaded conveniently using drag & drop via an integrated web or app upload. The quality of the document is already checked and enriched with corresponding structural data (type, upload channel, version), so that the subsequent verification or subsequent request effort is minimized.
Legitimation
As the GWG requires the contractual partners or the signing persons to be legitimized, we offer a variety of certified procedures via our solution. In addition to the analogue method (Post-Ident), we also use digital methods (Video-Ident, Ausweis-Ident, Bank-Ident, Auto-Ident) to implement a completely digital process without media discontinuity.
Qualified electronic signature
Once the business partners have been legitimized, the contract can be signed digitally. Depending on the regulatory requirements for the respective transaction, an electronic or qualified electronic signature can be used.
The solution can either be used stand-alone or integrated into existing customer systems.
Our solution allows you to serve the online sales channel without having to develop or orchestrate your own solutions.
Completely online, regardless of the device used, no media disruptions and merging with existing application routes -This is how we achieve maximum conversion rates.
Multi-client capable solution for all sales channels (branch, call center, field service, Internet)
Fast implementation thanks to lean architecture and data-driven interfaces
