Banks will soon have to deal with a new generation of customers. Since these customers are used to obtaining information by smartphone round the clock, they will not be interested in going to the bank to discuss the conditions for a loan.

These customers wish to receive information on the cost of a loan for a kitchen, a car etc. at any time directly at the POS, including the amount of credit that will be granted.

FERNBACH provides a modern front-office system with omni-channel processes throughout all sales channels. In this way, a customer can check the lending conditions and finalise an agreement via any sales channel; either online, self-service, app, mobile device or in the conventional manner, at a branch office.

Since a bank has access to a customer's status at any time, it can specifically support and target customers. If a customer wishes to switch to another sales channel, e.g. from online to a personal service at the branch office, all the data are available in the system, thus allowing banking staff to focus directly on advisory services.

Experience has shown that specific omni-channel processing of "grey-area" applications, which would be rejected in a regular online application process, can result in a successful conclusion.