The Digital Account Check Digitalises the Loan Application Process

With the Digital Account Check, banks and FinTechs can completely digitalise the conventional lending process. The Digital Account Check digitalises the previously paper-heavy process of credit assessment and enables real-time loan decisions to be made. From a technical point of view, this is made possible by gaining access to the consumer’s online banking account (Access to Account) via an interface that connects to the account-holding bank (banking API).

BENEFITS OF THE DIGITAL ACCOUNT CHECK

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Advantages for banks

Banks can use the Digital Account Check to digitalise the conventional lending process. They reap the benefits of a secure credit decision based on a comprehensive analysis of the applicant’s current financial data.

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Advantages for FinTechs

Online credit providers, factoring providers and comparison portals can offer their customers a seamless and digital user experience with the help of the Digital Account Check. This results in an optimized conversion rate thanks to a convenient and secure user experience.

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Advantages for end customers

Customers can bid farewell to the tedious process of sending account statements and salary statements to check their creditworthiness. The exchange of information via the banking API runs without media disruptions and is completely secure.

THESE PARTNERS USE THE DIGITAL ACCOUNT CHECK PERFORMED BY FINTECSYSTEMS

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SKG Bank: Installment loans for all occasions

The SKG Bank (DKB Group) uses the Digital Account Check provided by FinTecSystems as the basis for a quick loan decision.

  Paperless credit check

  High usage rate

  Optimal user experience without media disruptions

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SKG Screenshot Kredit

CONCRETE AREAS OF APPLICATION

Use cases for the Digital Account Check

Real-time lending

Our Digital Account Check enables us to make automated and completely digital loan decisions.

Account switch

Using the Digital Account Check, all contracting parties such as electricity and internet providers can easily be identified.

Secure payments

By transferring risk characteristics relevant to the payment, you minimise the fraud and credit risk for direct debits, purchases on account and installment payments.

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Debt restructuring

Ease the debt situation of your consumers whilst simultaneously providing excellent customer care.

Receivables management

Be as flexible as possible and offer receivables management tailored to your debtors.

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DATA SECURITY

Maximum security through certified data centers

ISO 27001 FinTecSystems

Customer data is stored in a German data center certified according to ISO27001.

SSL Datensicherheit

SSL-encrypted transmission of all data. Double-encrypted access code

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FinTecSystems operates in accordance with the strict German Federal Data Protection Act and the EU General Data Protection Regulation (GDPR).

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