Flow Credit Process Platform

Flow Credit Process Platform

Flow Credit Process Platform

Everything you always
wanted in a credit process

Everything you always wanted in a credit process

Our platform enables you to merge process automation with seamless customer experiences, ready-made building blocks and plug-and-play integrations.

Speed up, automate, reduce costs and embrace change.

Our platform enables you to merge process automation with seamless customer experiences, ready-made building blocks and plug-and-play integrations.

Speed up, automate, reduce costs and embrace change.

Our platform enables you to merge process automation with seamless customer experiences, ready-made building blocks and plug-and-play integrations.

Speed up, automate, reduce costs and embrace change.

trusted by

Trusted by

Nordea
Innovation Norway
Danske Bank
Kassa
Avida
Elkjøp

The perfect blend of tailor-made
and off-the-shelf features.

The perfect blend of tailor-made and off-the-shelf features.

We have combined the best of both worlds to hit what we think is the sweet spot.
Mix customisation with speed, automation with flexibility and go fast, laser precise.

We have combined the best of both worlds to hit what we think is the sweet spot.
Mix customisation with speed, automation with flexibility and go fast, laser precise.

Never start from scratch

All the necessary plumbing is done, tested and running. The rocket is ready to launch.

Cloud native

Cloud native

Cloud native

Cloud native

Templates

Templates

Templates

Templates

Integrations

Integrations

Integrations

Integrations

Create business value from day 1

Focus on user journeys and business objectives. Get a flying start.

Best practice process templates

Best practice process templates

Best practice process templates

Best practice process templates

Short time to market

Short time to market

Short time to market

Short time to market

Scale to infinity

Scale to infinity

Scale to infinity

Scale to infinity

Not “just” a process engine

We have created everything you need around the process engine to create business impact.

Connected eco-system

Connected eco-system

Connected eco-system

Connected eco-system

Integrated case-management

Integrated case-management

Integrated case-management

Integrated case-management

End-to-end developer platform

End-to-end developer platform

End-to-end developer platform

End-to-end developer platform

Flexibility in the right places

Get the necessary degrees of freedom to adapt, change and optimise for your needs.

Integrates with the existing architecture.

Integrates with the existing architecture.

Integrates with the existing architecture.

Integrates with the existing architecture.

Change credit policy rules "on the fly"

Change credit policy rules "on the fly"

Change credit policy rules "on the fly"

Change credit policy rules "on the fly"

Mix and match ready-made with tailored

Mix and match ready-made with tailored

Mix and match ready-made with tailored

Mix and match ready-made with tailored

Ready made building blocks

Pick from our selection of battle tested modules.

Tried and tested building blocks

Tried and tested building blocks

Tried and tested building blocks

Tried and tested building blocks

Integrations catalogue

Integrations catalogue

Integrations catalogue

Integrations catalogue

Huge project savings

Huge project savings

Huge project savings

Huge project savings

Bank-grade compliance

Built from the ground up with compliance and security in mind.

Enables GDPR compliance

Enables GDPR compliance

Enables GDPR compliance

Enables GDPR compliance

Complete traceability & audit logs

Complete traceability & audit logs

Complete traceability & audit logs

Complete traceability & audit logs

All the data needed to prove compliance

All the data needed to prove compliance

All the data needed to prove compliance

All the data needed to prove compliance

Efficient features

Happy caseworker and happy customer

Happy caseworker and happy customer

Task based case management

Cases gets assigned to the right case worker at the right time. The users meet the same interface across roles, countries and state.

Visual clarity

Everyone in your organisation will understand what you do by looking at the visualisation of the entire customer journey.

See, understand and discuss the whole process with your team

See, understand and discuss the whole process with your team

See, understand and discuss the whole process with your team

See, understand and discuss the whole process with your team

Identify bottlenecks and see all integrations and tasks

Identify bottlenecks and see all integrations and tasks

Identify bottlenecks and see all integrations and tasks

Identify bottlenecks and see all integrations and tasks

Get a real time view of case flow

Get a real time view of case flow

Get a real time view of case flow

Get a real time view of case flow

Automation and optimization friendly

Easily automate, change and optimise processes.

Transition from manual tasks to automation

Transition from manual tasks to automation

Transition from manual tasks to automation

Transition from manual tasks to automation

Add third party data sources

Add third party data sources

Add third party data sources

Add third party data sources

Integrate with other systems

Integrate with other systems

Integrate with other systems

Integrate with other systems

Adjust businessrules on-the-go

Tweak the rules that control how applications flow through the process. No developer needed.

Simulate the effect of changes to business rules

See how changes to the business rules will alter the outcome of your process before deployment to ensure they have the impact you need.

Fits existing system architecture

The platform is the perfect bridge that can connect systems you already have with new or other solutions.

Connect to any data source

In addition to our extensive catalogue of ready made integrations, our platform is perfect for any integration needed.

Compliance built-in

Compliance is not an afterthought, it is a fundamental principle everything is built on.

Audit trail

Everything is logged with who did what and when it happened.

Agnostic

The platform works with any software, platform, language and core systems.

Queues

Create queues to sort manual tasks on products, stages, roles or countries.

Task based workflow

Feeds case workers with focused manual tasks as defined in the credit process.

Reminders

Automate reminders on customer and case-worker tasks.

Language support

English is the default language, but we also support additional languages. The UI stays the same.

Role-based access

Configurable roles and control on who can access and work on what cases and tasks.

Assign and reassign cases

Managers can assign and reassign cases to get flexibility in expertise and tasks.

Future proof

A modern, best-practice architecture creates a flexible platform that will remain fresh and fast.

Go from limitations to innovations

Go from limitations
to innovations

Replace black box credit processes with no overview of what happens and when

Business benefits

Create shared understanding

Create shared understanding

Create shared understanding

Create shared understanding

Remove silos and enable cooperation

Remove silos and enable cooperation

Remove silos and enable cooperation

Remove silos and enable cooperation

Identify bottlenecks

Identify bottlenecks

Identify bottlenecks

Identify bottlenecks

Enables you to change the credit process at speed

Business benefits

Learn and adjust continuously

Learn and adjust continuously

Learn and adjust continuously

Learn and adjust continuously

Optimise conversion rates

Optimise conversion rates

Optimise conversion rates

Optimise conversion rates

Stay ahead of regulatory changes and market trends

Stay ahead of regulatory changes and market trends

Stay ahead of regulatory changes and market trends

Stay ahead of regulatory changes and market trends

Remove unnecessary manual tasks with process automation

Business benefits

Increase application throughput

Increase application throughput

Increase application throughput

Increase application throughput

Fast customer response time

Fast customer response time

Fast customer response time

Fast customer response time

Reduce human error and bias

Reduce human error and bias

Reduce human error and bias

Reduce human error and bias

No more juggling multiple interfaces for every credit application

Business benefits

One app, one interface

One app, one interface

One app, one interface

One app, one interface

All your data in one place

All your data in one place

All your data in one place

All your data in one place

No moving parts

No moving parts

No moving parts

No moving parts

Why we are different

Why we are different

When they go low-code, we go high

When they go low-code,
we go high

We wish low-code could solve everything, but it comes with some limitations.
Our platform mixes building blocks and templates without limiting possibilities.

We wish low-code could solve everything, but it comes with some limitations.
Our platform mixes building blocks and templates without limiting possibilities.

Built on industry standards

Our process platform uses industry standard BPMN for process visualisation and DMN for business decision rules.

BPMN - Business Process Model and Notation

BPMN - Business Process Model and Notation

BPMN - Business Process Model and Notation

BPMN - Business Process Model and Notation

DMN - Decision Model and Notation

DMN - Decision Model and Notation

DMN - Decision Model and Notation

DMN - Decision Model and Notation

Developer friendly platform

At our core, we believe in empowering developers to leverage their full potential. Push the boundaries of what’s possible on a developer-friendly platform.

Code gives you all the flexibility you want

Code gives you all the flexibility you want

Code gives you all the flexibility you want

Code gives you all the flexibility you want

Everything runs in containers

Everything runs in containers

Everything runs in containers

Everything runs in containers

Developer-first mindset

Developer-first mindset

Developer-first mindset

Developer-first mindset

Connect the dots

Connect the dots

The ideal platform to connect your
customer, case worker and core system.

The ideal platform to connect your customer, case worker and core system.

Case worker

Handles manual tasks

Customer dialogue

  • Request input from the customer if the application needs more documentation

  • Everything logged on the case

Manual tasks

  • Yellow cases sorted in queues

  • Business rules control workflow

  • Pick and assign tasks

Decision management

  • Escalation to others

  • Power of attorney

  • 4 eyes

Customer

Submits application

  • Customer application process

  • Whitelabel front-end template available

  • MyPage available

Credit Process

Orchestrates case flow

  • Traffic light principle

  • Green and red cases are fully automated

  • Real-time process overview

  • Full audit trail

Core banking system

Backoffice

  • “Bring your own” Core (or use Stacc Core)

  • Each case has a complete data-set archived when transferred to Core.

Integrations

Plug & play catalogue

3rd party integrations

Stacc proprietary services

Add your internal integrations

Plug & Play Integrations

Extensive service catalogue

Extensive service catalogue

Enable next-level digitisation and automation together with our integration partners.

Enable next-level digitisation and automation together with our integration partners.

Complete services catalogue coming soon

Customer stories

Don’t listen to us

Don’t listen to us

Stacc client feedback a few months after implementing Flow

“Flow is as close as you get to plug-and-play, while at the same time you get real, efficient process automation that meets strong requirements for scalability, robustness and opportinities to make continous changes and orchestration of your process”.

Risk software in-process integration

“By owning the credit policies and scorecards, the credit committee has the tools needed to monitor and manage fraud and credit risk to reduce credit losses”.

Signatory rights integration

“By checking for signatory rights, correct delegation of authority and signing of credit agreements, the correct documentation is made available to support fraud cases and claims”.

Credit process automation

“By automating the credit process across sales agents, customers and retailers, we have reduced support calls by 80”.

Gains from automating a single B2B-onboarding process

Gains from automating a single B2B-onboarding process

Real world example from a Stacc customer

Real world example from a Stacc customer

80% of new clients onboards in 1 minute

80% of new clients onboards in 1 minute

50-80% reduction
in manual case costs

50-80% reduction
in manual case costs

35% increase
in new clients

35% increase
in new clients

Hi there!

Hi there!

Contact us