Credit
Engine

Our Credit Engine is a comprehensive multi-lender and omni-channel distribution platform for secured and unsecured loans, powered by the additiv DFS®.

A single platform, making credit loans
easy for you and your clients

Support your client journey

Our solution supports the whole client journey from

  • Digital client onboarding
  • Instant scoring and valuation of collateral (for example real estate, securities)
  • Credit offers from multiple lenders based on their risk model
  • Servicing of the loan
  • Prospective secondary market

Integrated into core systems

Our Credit Engine solution seamlessly integrated into a core banking or loan management system. Deploy class-leading credit offerings – faster and more sustainably than anyone else.

The Credit Engine is suitable for

  • Banks
  • Insurance Companies
  • Other financial institutions

The core Credit Risk Engine

The Credit Engine enables to generate legally binding credit contracts in real-time by providing links to other ecosystem-providers.

Workflow based

Includes a workflow based back-office and CRM system.

Easily integrated

Even with existing credit environments via RESTful APIs.

Market friendly

Independent of any credit market development level.

Modules and high level features

Credit Risk Engine

The Credit Risk Engine allows the lender to set the overall risk framework as well as manage the risk appetite of the desired credit service offering.

Origination

The Origination module includes, in particular, customer onboarding, data and document capture, real-time verifications (e.g. credit scoring agencies, valuation), credit decision and contract creation with e-signature.

Collection

The Collection module ensures all relevant cash flow transactions, such as interest payments, amortizations, repayments or fees and charges.

Calculator

The Credit Calculator provides an easy and efficient way for eligible borrowers to receive an instant agreement in principle with an indicative credit offer.

Servicing

The Servicing module ensures and implements the actual loan utilization, the correct handling of the respective collateral as well as relevant topics from an underwriting and accounting point of view.

Lifecycle Management

Ensures all non-cash flow events post drawdown, such as renewals, record updates, collateral re-evaluations, market & regulatory changes are taken care of.

Speak with an expert

Book a session with digital wealth, embedded finance
or technology experts.

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