With the Credit Management System (CMS), our customers operate their private and commercial financing and leasing business at the highest level: from application and automated decision-making to contract management and accounting.
The Retail Finance solution supports leasing and credit products (e.g. full/partial amortization leasing, three-way credit, loans with interrupted or deferred instalment payments) and supplementary services (e.g. instalment and property insurance, full-service products). A consistent, web-based solution for all system users, such as bank or branch employees, brokers, sales staff or consumers, enables efficient processes on all end devices.
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 Retail Finance 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.
