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    • Wholesale middle office

    High degree of automation facilitates application review and approval

    There are many components to consider when reviewing applications in purchase financing. The Wholesale middle office solution facilitates the decision-making process and the final approval of applications for capital goods or vehicles of all common variants.

    Key features of Wholesale middle office

    Extensive testing and multi-variant decision-making processes

    • Acceptance of applications from different channels
      Our solution accepts applications from all channels and classifies them accordingly so that different workflows and review criteria can be assigned to them during subsequent processing.
    • Cockpit and dashboards for ideal control of all activities
      Freely configurable dashboards ensure ideal distribution and control of tasks within the back office. Users are only shown the processes that are relevant to them based on certain criteria (e.g. skills) or have a high priority.
    • Property valuation and discount factors
      In order to validate the financing amount requested by the dealer, property-related information is obtained which determines the current market value and the purchase price so that only the lower amount is ever financed. In addition, special discount factors can be maintained, for example by financing only 90%.
    • Automatic decision-making via stop and knock-out criteria
      An automatic decision on an application is made on the basis of the available data and can be viewed online by the business partners involved. The criteria for the credit decision can be defined by the financial service provider. They can define stop and knock-out criteria, for example if the submitted financing amount deviates too much from the collateral valuation. The system checks all decision rules for the release of the property financing amount within the limits granted.
    • Limit check and nightly reprocessing
      A key criterion for the decision on the financing request is the check of the applicant's limit. Here too, the system also checks overarching limits, such as for specific manufacturers or borrower units.
    • Manual post-decisions
      Decisions that are triggered by the automated process can be post-processed manually. All information is available to the clerk at a glance in order to decide whether the transaction can be concluded.

    Further key features of Wholesale middle office

    Simple document review and transparent decision history

    • Document review
      The document portal enables the review and, if necessary, correction and adjustment of submitted documents in digital form. Any subsequent claims can be automatically communicated directly to the customer in definable deadlines and handled via the system.

    • Invoice verification
      By using the OCR service, uploaded property invoices can be automatically read and compared with the retailer's data.

    • Logging of decision history
      The decision history is logged precisely and therefore meets the requirements for the traceability of credit decisions in accordance with regulatory requirements.

     

    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 middle 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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