Flow Credit Process Platform

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.

Flow Credit Process Platform

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.

Flow Credit Process Platform

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.

trusted by

trusted by

Nordea
Nordea
Nordea
Innovation Norway
Innovation Norway
Innovation Norway
Danske Bank
Danske Bank
Danske Bank
Kassa
Kassa
Kassa
Avida
Avida
Avida
Elkjøp
Elkjøp
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 and automation with flexibility.
Go fast, yet laser precise at the same time.

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

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

Never start from scratch

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

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Cloud native

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Cloud native

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Cloud native

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Templates

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Templates

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Templates

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Integrations

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Integrations

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Integrations

Create business value from day 1

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

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Best practice process templates

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Best practice process templates

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Best practice process templates

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Short time to market

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Short time to market

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Short time to market

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Scale to infinity

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Scale to infinity

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Scale to infinity

Not “just” a process engine

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

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Connected eco-system

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Connected eco-system

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Connected eco-system

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Integrated case-management

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Integrated case-management

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Integrated case-management

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End-to-end developer platform

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End-to-end developer platform

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End-to-end developer platform

Flexibility in the right places

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

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Integrates with the existing architecture.

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Integrates with the existing architecture.

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Integrates with the existing architecture.

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Change credit policy rules "on the fly"

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Change credit policy rules "on the fly"

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Change credit policy rules "on the fly"

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Mix and match ready-made with tailored

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Mix and match ready-made with tailored

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Mix and match ready-made with tailored

Ready made building blocks

Pick from our selection of battle tested modules.

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Tried and tested building blocks

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Tried and tested building blocks

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Tried and tested building blocks

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Integrations catalogue

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Integrations catalogue

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Integrations catalogue

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Huge project savings

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Huge project savings

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Huge project savings

Bank-grade compliance

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

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Enables GDPR compliance

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Enables GDPR compliance

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Enables GDPR compliance

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Complete traceability & audit logs

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Complete traceability & audit logs

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Complete traceability & audit logs

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All the data needed to prove compliance

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All the data needed to prove compliance

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All the data needed to prove compliance

Efficient features

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.

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See, understand and discuss the whole process with your team

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See, understand and discuss the whole process with your team

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See, understand and discuss the whole process with your team

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Identify bottlenecks and see all integrations and tasks

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Identify bottlenecks and see all integrations and tasks

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Identify bottlenecks and see all integrations and tasks

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Get a real time view of case flow

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Get a real time view of case flow

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Get a real time view of case flow

Automation and optimization friendly

Easily automate, change and optimise processes.

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Transition from manual tasks to automation

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Transition from manual tasks to automation

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Transition from manual tasks to automation

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Add third party data sources

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Add third party data sources

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Add third party data sources

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Integrate with other systems

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Integrate with other systems

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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

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Create shared understanding

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Create shared understanding

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Create shared understanding

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Remove silos and enable cooperation

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Remove silos and enable cooperation

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Remove silos and enable cooperation

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Identify bottlenecks

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Identify bottlenecks

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Identify bottlenecks

Enables you to change the credit process at speed

Business benefits

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Learn and adjust continuously

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Learn and adjust continuously

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Learn and adjust continuously

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Optimise conversion rates

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Optimise conversion rates

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Optimise conversion rates

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Stay ahead of regulatory changes and market trends

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Stay ahead of regulatory changes and market trends

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Stay ahead of regulatory changes and market trends

Remove unnecessary manual tasks with process automation

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Increase application throughput

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Increase application throughput

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Increase application throughput

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Fast customer response time

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Fast customer response time

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Fast customer response time

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Reduce human error and bias

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Reduce human error and bias

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Reduce human error and bias

No more juggling multiple interfaces for every credit application

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One app, one interface

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One app, one interface

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One app, one interface

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All your data in one place

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All your data in one place

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All your data in one place

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No moving parts

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No moving parts

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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.

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BPMN - Business Process Model and Notation

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BPMN - Business Process Model and Notation

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BPMN - Business Process Model and Notation

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DMN - Decision Model and Notation

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DMN - Decision Model and Notation

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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.

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Code gives you all the flexibility you want

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Code gives you all the flexibility you want

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Code gives you all the flexibility you want

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Everything runs in containers

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Everything runs in containers

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Everything runs in containers

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Developer-first mindset

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Developer-first mindset

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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

Customer

Submits application

Submits application

  • Customer application process

  • Whitelabel front-end template available

  • MyPage available

Credit Process

Credit Process

Orchestrates case flow

Orchestrates case flow

  • Traffic light principle

  • Green and red cases are fully automated

  • Real-time process overview

  • Full audit trail

Core banking system

Core banking system

Backoffice

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.

BankID logo
BankID logo
BankID logo

Complete services catalogue coming soon

Customer stories

Don’t listen to us

Don’t listen to us

“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”.

Stacc client feedback a few months after implementing Flow

“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”.

Risk software in-process 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”.

Signatory rights integration

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

Credit process automation

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