The market leading solution
More than 100 banks and other financial services providers use the solutions daily to support credit processes and to provide thorough financial advice to private and corporate customers.
30+ experts work continuously to ensure that the solutions meet new architectural requirements, with continuous product development as well as support, and maintenance.
Exceed customer expectations
Despite the ever-increasing degree of self-service, many customers want the bank to be relevant and present to them in different phases of life or events that affect their finances.
Customers are becoming more aware of collecting terms on loans, savings, and insurance from several providers and the demand for individually tailored financial analyzes and advice is increasing.
Empower advisors
Consumer financial analysis provides a 360°financial analysis of retail customers, particularly adapted to support your credit and advisory process related to mortgages and other retail credit products.
Based on automated lookups against various 3rd party data sources and the company’s own core system the solution collects data on income, savings, debt, properties and pensions, combines these with a number of built-in financial figures and performs the following analysis and calculations:
Analysis of the current financial situation
Calculation of cost of living and liquidity
Calculation of affordability
Analysis of risk sensitivity
Simulation of different debt situations
Calculation of affordability
Calculation of the economic effects of new life situations or events
Calculation of future pensions and recommendation of saving plans
rules and regulations*
Built for compliance
Tax rules
Compliance requirements
Financial Contracts Act
Statistics
The Lending Regulation
MiFID
* Currently Norwegian rules and regulations, but more countries are beeing added.
unique
The only one of its kind
Consumer financial analysis is unique as it handles all combinations of financial analysis in the same solution. No more window juggling.
Individuals
Households
Guarantors
Calculation of life situations
Calculation of new economies
Buying the first home
Moving together
Having children
Getting divorced
Unemployment
Disability
Losing the spouse
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