Retail Lending

CHALLENGE: A fast growing direct bank intends to handle private real-estate financing across the entire process chain via a digital platform. This to replace paper/hard-copy processes and to scale according to changing customer volume.

OUR SOLUTION: Design and implementation of a service platform connecting to core systems and interfaces of sales partners, with staff frontends digitally covering the entire process chain. Based on the platform, processes were continuously optimized, and customers were offered many online banking self-services.

CHALLENGE: The client intends to position itself as an agile and versatile liquidity provider in the highly competitive consumer loans market by building a new omni-channel sales platform. This way the bank wants to meet current needs of customers and sales partners in fast change cycles and across all sales channels while mastering overall complexity and cost of such a platform in the long term.

OUR SOLUTION: By designing and building a vertical modular architecture as a basis for the new sales platform, specific customer journeys – tailor-made to the varying needs of customers and sales partners as well as the requirements of different sales channels – consisting of discrete building blocks can be modelled as well as individualized by means of skinning mechanisms. The sales platform is implemented in a scalable agile approach with cross-functional teams that collaborate with know-how bearers from various areas within the bank.

CHALLENGE:A fast-growing specialist bank wants to position itself as a pioneer in the digital processing of consumer loans throughout the entire product life cycle with a highly efficient “credit factory” for both its customers and its sales partners.

OUR SOLUTION: Senacor supports the customer by building up the product platform, which ranges from sales, approval procedures to inventory management of the products. Senacor accompanies the development as well as the permanent further development of the platform already during the conception and is responsible for the development and further development for more than 10 years in highest efficiency and quality in own teams.

CHALLENGE: Offering liquidity directly at the point of payment is the goal of a specialised bank for credit products. To this end, the bank wants to develop a payment procedure for eCommerce and point of sale that is easy for the customer, in order to help merchants achieve liquid customers, as well as to create easy access to liquidity for customers.

OUR SOLUTION:Senacor was responsible for the complete development from detailed conception to commissioning. The spectrum ranged from plug-ins for shop systems to the complete process management from checkout to integration in the booking systems.