Credit Cards

Paying with a credit card is a prime example of fully digital transaction processing without media disruptions. For the sake of consistency, providers in this financial product segment should also design application, decision-making and administrative processes completely digitally in order to ensure maximum efficiency and customer friendliness.

The afb Credit Management Solution (afb-CMS) enables financial services providers to operate their credit card transactions at the highest level of automation across all sales channels. afb-CMS consistently maps all processes – from product selection and application to automated credit decisions and processing and account creation through to contract management and accounting – in an end-to-end web-based solution.

This solution allows financial services providers to control their entire credit card business by means of standardised, highly automated processes.

Features Credit Cards

  • Settings for card name, card system (Visa, MasterCard), card type (pre-paid, post-paid), annual fee (free, fee for the first year, next year), partner card (no, yes, cost), payable interest (no, yes, interest rate), checking account (no, yes), contactless payment (no, yes), maximum liability amount, loan interest rate, credit checking (no, yes), extras such as preferred PIN
  • Definitions of terms for payment or cash withdrawal in the home country, in the euro zone, in foreign currency in or outside Europe
  • Determining bill settlement by direct debit from the reference account or bank transfer
  • Determining the repayment agreement with activated credit function as a percentage of the total bill amount, but at least a minimum amount
  • Additional services such as insurance, participation in bonus systems, reductions for travel etc.
  • Applications from natural persons such as individuals and the self-employed and from legal entities, collection of the required data warehouse with plausibility check
  • Automated request of information, scoring or rating systems, generating automated or manual credit decisions, workflow-supporting application processing
  • Activation of the credit card account, creating and delivering the credit card, continued processing of deposits and withdrawals, bill settlement, interest calculations for deposits and loans

Advantages at a glance

  • End-to-end system: the entire life cycle of the credit card business – from the proposal to termination of contract – is designed as a fully integrated, digital system.
  • All distribution channels: financial services providers are present in all desired B2B and B2C sales channels on all terminals.
  • High level of automation: a high level of automation enables large volumes, standardised processes, fast decisions and automated contract management.
  • Flexible financial products: the Credit Cards module group offers flexible financial products for specific business types. It supports all major credit card types, repayment arrangements and interest gradations.


    • Extensive additional services: the credit card administration supports additional services such as insurance, participation in bonus systems, discounts for travel, etc.
    • Individual risk strategy: credit decisions are exclusively based on the criteria and rules defined by the financial services provider. This ensures compliance with standardised and centralised financing policies and regulatory requirements.


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