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.
Best financing calculations
Creation of optimized leasing or loan calculations and comparisons;
Minimal data entry
Entry of all required application data with plausibility checks;
Credit agencies
Automated retrieval of data from credit agencies;
Automatic or real-time credit decisions
Generation of automatic or manual credit decisions based on automatically calculated scoring or rating results;
Workflow-supported credit processing through to contract management and disbursement
Seamless processing of credit decisions, contract activation and disbursement as well as management of the contract during its term;
Closing rate is increased
Lead generation and closing rate are optimized through the direct transfer of all customer, property and calculation data and seamless data processing.
Up-to-date data thanks to online availability
All parameters for service and financial products can be entered completely online. The up-to-dateness of the interest rates and terms offered is guaranteed by the central management of the financial products.
In your "look & feel"
The solution can be individually adapted to existing corporate design specifications.
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.