Digital Account Check

Simple loan application - maximum security

The German finance sector receives almost 25 million loan applications per year. However, in spite of a variety of optimisations in recent years, there has still been no fully automated process for processing these applications – until now.

About Digital Account Check

Digital, seamless, effective

Simple and direct, from loan application to conclusion

The German financial sector receives almost 25 million loan applications each year, and yet automation remains in its infancy. Digital Account Check is an automated credit decisioning solution free of any media interruption. It delivers a fast and seamless credit decision process from application to decision. Digital Account Check is a customized and completely digital solution that uses a loan applicant’s online banking account to verify their credit standing. For banks, this removes the need for the cumbersome and costly process of manually reviewing and checking application documents for consumer financing. For applicants, it maximizes convenience and allows them to benefit from a fast credit decision. The automated credit decision delivered by Digital Account Check is the missing component for realizing a completely digital loan application process.

Digital account check is a fully integrated solution that can be added to the website of the bank in question and tailored to the bank’s individual needs.

Benefits for Lending Banks

Safe real-time decisioning

• Comprehensive assessments of credit standing
• Reliable data for qualified risk assessments
• Protection against fraud

Increased conversion rates

• No media break
• Seamless transferral of loan-relevant data
• Fast credit decisions with our algorithms

Reduced processing costs

• No cumbersome manual checks
• No digitalization of application documents

Benefits for Applicants

Fast credit decision

• Quickly realizes consumer demands
• Minimal waiting time for borrowers

Maximum convenience

• No inconvenient document submissions
• Fast application from home

Verified data security

• Sensitive consumer data processed confidentially
• TÜV certified security

Digital Account Check - explained the easy way


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