FlexFinance 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.

Our experience in corporate financing has shown us that although every loan is different, the processing of lending operations has to conform to standardised processes and regulatory requirements. A business lending solution has to fulfil these somewhat contradictory demands effectively.

FlexFinance allows for a high degree of flexibility in the mapping of corporate financing and syndicated loans. The decision-making guidelines for credit committees are clear and transparent. Loans, collateral, syndicate members, individuals, institutions and companies are included in the scope of the workbench.