Trusted by
The old way
The Stacc way
Real-time view of all core banking processes, allowing for faster case handling, decision-making and issue resolution.
Built-in scalability
Proven in the Nordics and beyond
Designed to scale and evolve alongside your business.
Cost-effective
Automated & efficient
Reduce administrative overhead with highly automated loan lifecycle management.
Usecases
Support for most financial account types
Leasing
Supports various leasing structures for different asset types, including management of residual values, onward billing and buyout options.
Deposits
Flexible deposit account solutions for Consumer and corporate finance, with fixed or variable interest rates, including interest rate ladders.
Mortgage
Comprehensive mortgage solutions supporting various loan structures, including fixed and variable interest rates, payment plans, and redemption options
Unsecured loans
Unsecured loans with flexible payment plans and functionality for grace periods, redemptions, reminders and default handling.
Revolving credit
Unsecured revolving credit lines with adjustable credit limits and administration of interest rate ladders and redeem terms.
Secured loans
Secured loans with flexible payment plans, interest rate setup, redemptions and default handling.
Relax with dashboard overview
The dashboard provides an overview of process statuses, indicating whether they are planned, ongoing, or failed.
Drill down to details and correct errors
The dashboard offers drill-down options to identify and correct issues immediately. This saves time by minimising error searches, allowing you to proactively manage issues, reduce complaints, and enhance customer satisfaction.
Modular
Billing & Collection
Automated billing and payment collection processes, with flexible setup for reminders, fees and grace periods.
Disbursements
Automated and secure disbursements for consumers and businesses.
Interest and fees
Flexible configuration of interest rates and fees that adapt to varying loan types and terms automatically.
Roles & Collaterals
Comprehensive management of borrower roles and associated collaterals (co-debtors, guarantors).
Default management
Built-in functionality to manage overdue loans, with multiple standard integrations for default handling via third parties.
Accounting & Reporting
Real-time financial tracking and advanced reporting tools for accurate auditing, compliance, and financial oversight.
Data migration
Effortlessly transfer large datasets from your legacy system to our platform, while maintaining full data integrity throughout the process.
Bank-grade compliance
Built from the ground up to be fully compliant, meeting the highest security and regulatory standards required. Standard integrations for KYC and AML.
Flexible API ecosystem
Modular API platform designed for seamless integration with third-party systems, enabling quick adaptability to evolving business needs.
Loan Servicing
Improve efficiency, accuracy, and customer satisfaction. Reduce costs and improve operational performance.
Over/Underpayment
What it does
Track and manage any overpayments or underpayments in customer accounts.
Why it matters
Reduces errors in customer accounts and ensures accurate billing.
Payouts of loans
What it does
Manage the disbursement of loan funds to borrowers.
Why it matters
Ensures that loans are processed efficiently and that customers receive their funds on time.
Calculation of interest & fees
What it does
Automatically calculates interest charges and fees based on account terms.
Why it matters
Increases accuracy in financial transactions and ensures compliance with loan agreements.
Invoicing
What it does
Automates the creation and distribution of invoices for customers.
Why it matters
Saves you time on manual invoicing and reduces human errors.
Interest changes
What it does
Tracks and applies changes in interest rates to customer accounts.
Why it matters
Ensures accurate interest calculation and helps manage profitability in changing markets.
Reminders
What it does
Sends reminders to customers about upcoming payments, deadlines, or important updates.
Why it matters
Reduces missed payments and improves customer engagement.
Payments
What it does
Manage and process customer payments for loans and accounts with flexible matching against invoices.
Why it matters
Ensures timely and accurate payment processing, improving cash flow.
Split disbursements to multiple parties
What it does
Manage the distribution of loan disbursements to multiple parties based on loan type.
Why it matters
Ensures accurate, compliant, and efficient allocation of funds, minimising manual errors.
Debt Collection
Why it matters
Monitor and manage the collection of overdue debts from customers.
What it does
Improves recovery rates and reduces outstanding liabilities.
Accounting
What it does
Manage all financial transactions, including credits, debits, and balances.
Why it matters
Ensures accurate financial tracking and reporting for better decision-making.
Loss write-offs
What it does
Track and write off bad debts that are unlikely to be recovered.
Why it matters
Helps you maintain accurate financial records and reduce taxable income.
Customer statements
What it does
Generate and send detailed statements of customer accounts. Share statement and invoices to customer MyPage.
Why it matters
Enhances customer transparency and satisfaction with regular, accurate statements.
Tax reporting
What it does
Generate reports related to tax obligations based on financial activity.
Why it matters
Ensures compliance with tax regulations and streamlines reporting processes.
Termination
What it does
Handle the closing or termination of accounts and loans once obligations are met.
Why it matters
Streamlines account closure processes and ensures proper settlement.
Customer service
Stacc Core Credit Ledger can be extended to include any customer self-service features through rich and documented APIs.
My page customer view
Enhance customer experience by giving them easy access to their loan status, payments, and terms in a single place.
Digital documents
Streamline document management, improve accessibility, and reduce the need for paper-based systems.
Change of term amount
Provide customers with flexibility to modify repayment terms, improving customer satisfaction and retention.
Change of due date
Help customer better manage their payments, reduce missed payments and late fees.
Change of debit account
Increase convenience for customers and ensure that loan payments are processed without disruptions.
Extraordinary payments of loans
Provide flexibility to customers and ensure accurate loan balance management.
Application for payment-free period
Provide customers with financial relief during challenging times, enhancing loyalty and reducing default risk.
Automation friendly
Put operations on cruise-control
Plug & Play Integrations
Extensive integration catalogue
Enable next-level digitisation and automation together with our integration partners.
Mangler
Get to market quickly
Standard modules
Our core system is designed to simplify the setup process with proven, standardised solutions carefully developed from working with a broad range of financial services companies.
Flexible and timesaving
Our flexible configuration means the specific functionality, account type, integrations and setup can be chosen according to your needs without unnecessary extra products or features.
Customisable document templates and data exports
Streamline the creation and management of custom document templates and reporting.
Wide support for third-party integrations
Connect multiple integrations with ease, enabling smooth interaction between systems and efficient data flow.
Full access control
Easily define and manage user access to specific functionalities, ensuring secure and compliant operations.
Flexible separation within company
Easily structure operations to address different requirements for countries, products and testing, with clear organization and boundaries.
Future proof
Built on Microsoft Dynamics 365 Business Central
Microsoft is a leader in cloud infrastructure and AI for enterprise, offering frontier capabilities with a level of security and scale that has few, if any competitors.
Stacc Core is built on top of Microsoft Business Central and the Azure cloud ecosystem. Microsoft Business Central is a battletested ERP system well suited for digital banking solutions, with a developer platform that allows us to build custom functionality suited to each client.
Strong foundation
Great user experience
Developer friendly
