Partner Management

The central functions of afb Credit Management Solution (afb-CMS) include partner management. Highly effective customer relation management functions depicting all relationships in real time are available. Linking highly effective system components to form a holistic information platform allows a 360-degree view of business partners (e.g. customers/consumers, banks and their employees, agents, trading partners and their sellers, manufacturers, insurance companies, service providers, etc.). Partner Management thus forms the basis for the interplay of all afb-CMS processes and operations by providing all necessary information. Consistent customer acquisition, long-term customer loyalty, optimum customer orientation and maximum utilisation of customer potential are thus ensured.

Features Partner Management

  • Convenient, workflow-oriented selection of business partners through defined search parameters and pre-set filters for e.g. overdue actions
  • Centralised management of all business partners (individuals and legal entities) with contact, address and master data as well as supporting plausibility checks
  • Freely definable roles and links for the representation of relationships among the business partners (e.g. borrower units, company groups, risk groups, including the identification of participations and shareholdings) using relationship trees (1: 1, n: 1, 1: m, n: m)
  • Detailed access control to afb-CMS functions by allocating rights via corresponding groups as well as through password policies
  • Management of business partners' payment transaction accounts, differentiated according to, among other things, disbursement, commission, subsidy and redemption accounts, mapping of all SEPA requirements
  • Rating taking into consideration qualitative and quantitative criteria (hard and soft facts), integration of external rating engines, integrated decision-making and prolongation management
  • Activity management for marketing and sales activities, partner-related actions for rating, decision and processing of e.g. credit lines, tracking and resubmission functionality
  • Determining credit lines, conditions and parameters for the control of business processes
  • Central overview of all a business partner's services (offers, applications and contracts)

    Advantages at a glance

    • End-to-end system: the entire life cycle of applications and contracts of all business partners is designed as an integrated, digital system.
    • 360 degree view: centrally record and maintain master data. Flexible search functions and predefined filters facilitate search and selection. The interplay of powerful components on a holistic information platform allows a 360-degree view of the business partners.
    • Clear overview: all services and transactions of a given partner are displayed in an overview and linked directly to further information.
    • Intelligent relationship management: partners are linked to each other via an intelligent relationship logic and integrated into a hierarchical structure. A relationship tree displays the roles and relationships of a single business partner. Business partners are created only once. Duplicates are identified and consolidated.
    • Individual rights management: all users and their role-based access rights are administered centrally, the password allocation being based on the security guidelines of the financial services provider.


    • Efficient activity management: financial services providers and their partners can initiate and track marketing and sales campaigns for selected target groups. The functions also support partner communication as well as financing decisions and processing.
    • Meaningful rating: rating is repeated at predetermined intervals or in case of major changes. The evaluation happens automatic and takes into account qualitative and quantitative characteristics.
    • New distribution potential: current contract data in combination with further contact information support new business and additional initiatives in cross-selling.
    • Productive sales management: existing information on business partners is integrated and can be subjected to specific analyses.


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