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    • Wholesale back office

    Contract management at a high level

    Contract activation and management with flexible access rights and automated management during the contract term is made possible by Wholesale back office.

    Key features of Wholesale back office

    Contract management with numerous functionalities

    • Variable access rights
      Depending on the access rights assigned, different system users such as buyers/customers, importers/manufacturers or bank employees can initiate or access the respective processes.
    • Rules for contract activations
      As soon as credit processing has been completed and all billing rules have been fulfilled, the contract can be activated and payments initiated. The billing rules check the completeness of the contract data and the fulfillment of certain criteria.
    • Daily interest calculation
      Interest is calculated on a daily basis. This means that changes or adjustments to the base interest rate during the month can also be correctly taken into account.
    • Fully automated processes for all standardized processes via business transaction templates
      Fully automated processes initiated via business transactions ensure that all standardized, recurring contract management and accounting processes, from activation to regular or premature termination, are carried out without manual intervention and can therefore be processed much faster and without errors.

    Further key features of Wholesale back office

    Efficiency and automation

    • Bulk changes
      If several contracts require an identical adjustment, there is the option of a bulk update by selecting the affected contracts and choosing the corresponding adjustment.
    • Collateral management
      During activation and during the term of the contract, a check is carried out to ensure that all collateral required in accordance with the set rules, such as vehicle registration certificates, land charge entries, mortgages, life insurance assignments, has been created and linked to the framework and property contracts.
    • Connection of external systems
      Financial and asset accounting, cost accounting and controlling or even personnel accounting can be easily connected.
    • Netting
      In conjunction with sales financing, the automatic netting of payment transactions between sales and purchase financing is possible.

     

    Benefits

    Consistent system

    The entire life cycle of purchase financing, from quotation preparation to contract termination, is mapped in an end-to-end digital system.

    All sales channels

    Financial service providers are present in all B2B sales channels with a digital solution. Manufacturers/importers, cooperation and trading partners can be addressed as borrowers with customized conditions.

    Flexible billing

    In conjunction with sales financing, automatic netting of payment transactions between sales and purchase financing is possible.

    High degree of automation

    Modern procurement financing is possible at the highest level of automation with high volumes, standardized processes, quick decisions and automated processing of contract management.

    Complete integration

    In the interaction between manufacturers, retailers and financial service providers, the module group integrates the systems of all business partners and thus automates the purchase financing and factoring processes to a particularly high degree.

    Flexible financial products

    Purchase financing with flexible financial products for specific business types and all common object groups (e.g. vehicle, equipment) are mapped consistently.

    Interaction with collateral management

    Upon activation and during the term of the contract, a check is carried out to ensure that all collateral required in accordance with the established rules, such as vehicle titles, land charge entries, mortgages, life insurance assignments, etc., has been created and linked to the framework and property contracts.

    Modular, independent solutions in the wholesale back office environment

    Philipp Oberleitner
    CEO

    Enrico Moritz
    Head of Strategy & Innovation Management CMS

    Bernardo Almenar
    Head of Account Management
    + 49 89 78 000-200
    Philipp Oberleitner
    Philipp Oberleitner
    CEO

    Enrico Moritz
    Enrico Moritz
    Head of Strategy & Innovation Management CMS

    Bernardo Almenar
    Bernardo Almenar
    Head of Account Management
    + 49 89 78 000-200
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    Case Study

    New savings bank solution for modern sales financing

    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 be able 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, it has created an innovative solution for sales financing 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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    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 purchase financing processes in a fully integrated, web-based and modular system - end-to-end. Changes in customer behavior and increasing demands on user experience also mean that the systems in use in sales and purchase financing have to be constantly adapted. A modernization of the solution was also on the agenda at TARGOBANK Autobank.

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    Whitepaper

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

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    Case Study

    Leading automotive bank: automation in the area of lending and leasing

    No project without a business case, no investment without a sound basis for decision-making. This is why a leading automotive bank relied on the experts from NAVAX. As part of a consulting project, the specific process steps and workflows in lending and leasing were examined and evaluated with regard to optimization potential.

    Read the case study of the leading automotive bank.

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    Solution Paper

    Expert know-how for future-proof solutions

    Together with experienced consultants from NAVAX, 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.

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    Case Study

    Success story with Miller Leasing: IT leasing revolutionized

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    Would you like to find out more about the solution and the collaboration between Miller Leasing and NAVAX? Then read this case study.

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    Case Study

    Our project with Valida: 360 degree customer view

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    In our case study, you can read about the vision, requirements and successful collaboration between the Valida and NAVAX teams.

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