Digital onboarding fast, easy and convenient - with the fully automated credit application process
Set up digital and fully automated credit application processes with BANCOS Onboarding that will delight your customers, open up new business potential and greatly increase process efficiency. With our software solution, you benefit from a transparent, workflow-based approach to credit decisioning in the BPMN 2.0 standard. Flexible interfaces allow both seamless integration into existing system architectures for B2C and B2B scenarios as well as easy connection to your existing core banking system.
Your benefits with BANCOS Onboarding
For your lending business
Massive increase in scalability in the lending process
Efficient processes relieve employees and increase profitability
Automated decisions minimize credit default risks
Ideal for B2C and B2B scenarios
For your customers
Convenient, fully digital product experience
Highly accelerated loan decision
Enables time and location-independent loan applications
For your IT
Seamless connection to existing core banking system possible
Flexible interface architecture
Monitoring dashboard creates real-time transparency for controlling at technical and business level
High transparency of business workflows through BPMN 2.0 compatibility
How the automated credit application works
01 Credit application and external data verification
The starting point of the process is external data from the credit applicant, which can be processed from various sources via appropriate interfaces, such as from your landing page, from credit platforms or from embedded finance offers. Initial automated plausibility checks take place in the process. Optionally, an existing customer check can be performed, which allows an individual evaluation of the credit request in the subsequent process.
02 Credit decision and risk assessment
In this key step, the individual credit decision takes place on the basis of the implemented decisioning rules. These are implemented specifically according to your requirements with the help of DMN decision tables and thus remain transparent despite the highly automated process. This is because their technical parameters are transferred one-to-one into the decisioning workflow and the results of the individual case decisions thus remain accessible and traceable. External data from sources such as creditworthiness checks, fraud prevention and sanction checks is incorporated into the decisioning process. For the European market, we have already connected many of the most important service providers - such as Schufa, CRIF, CEG, Infoscore, Kremo and ZEK - and can also integrate further services via our flexible API architecture according to your individual requirements.
03 Identification und legitimation
Following the credit decision, secure data interfaces to providers for online identification and contract conclusion ensure legally compliant data checking and verification of the applicant. Through our partner network, an individual combination of services is possible. These include proven KYC procedures such as VideoIdent or AccountIdent, as well as uncomplicated QES integration for digital signatures. This ensures a customer experience free of media discontinuity.
04 Core banking system connection
Once the credit application has been completed and accepted, the data on the credit and the applicant is transferred fully automatically via interface to your core banking system and, if applicable, your CRM, and the disbursement of the credit or the opening of the credit line is initiated.
The complete digitization of the credit application process allows comprehensive analysis and control options at the technical and functional level. To take advantage of these, we can also provide an interactive dashboard that visually presents all relevant data from the entire credit application process. Among other things, this allows you to monitor key KPIs such as accepted and rejected loan applications in real time or to identify the causes of functional and technical process failures, which you can use directly for optimization as well as for monitoring error-free operation.
Use cases for BANCOS Onboarding
Fully automated credit application processes based on BANCOS Onboarding can be used in a variety of scenarios. As a bank or financial service provider, for example, you can use them to modernize key parts of your credit processes, or as a vendor or merchant, you can expand your payment portfolio in e-commerce.
Connection of a state-of-the-art credit application solution to a (legacy) core banking system
Connection of a credit application solution via a credit comparison portal to a (legacy) core banking system
Realization of embedded finance offers or contextual banking
Offer of "buy now, pay later" models such as credit or financing lines in e-commerce
Automation of application steps for commercial loans
BANCOS Onboarding in figures
Schedule your demo now
You would like to know more about BANCOS Onboarding? We will be delighted to arrange an individual demo appointment to show you the possible use cases, features and technical details of the solution.
Simply fill out the form and we will contact you to arrange an appointment.
Since its foundation in 1988, G&H Bankensoftware AG has been developing software solutions under the BANCOS brand for this purpose: to work with our customers to make IT in the banking and fintech world simpler and more efficient.
The BANCOS software range is continuously expanded and offers, in addition to the onboarding solution, a modular core banking system with flexible API integration, a highly customizable online banking solution and the development of customer-specific individual software. To complete our product and service portfolio, we have established an extensive and close-knit partner network. These include, for example, Kyndryl (IBM) and T-Systems in the areas of IT outsourcing and application management.
In total, more than 80 national and international companies - either directly or via partners - are among our customers. At our Berlin site, we employ around 80 people who combine strong technological expertise with detailed banking and financial knowledge.
And more are to come: everything about our corporate culture and vacancies on our careers page.