If products are offered digitally - through portals or on the websites of manufacturers, dealers or financial service providers - it is already standard for many product categories to also offer the appropriate financing (in the form of credit or leasing). There are industries in which the sales-promoting effect of retail finance (e.g. for vehicles) enables a successful sales process at all.
For years, digitisation has ensured that the customer expects a financing option even when purchasing a product digitally. In the sense of a flawless digital customer journey that leaves nothing to be desired, the smooth integration of the financing offers is also required by the end customer.
The basic prerequisite for fulfilling this wish for the end customer is the availability of product data in digital form in particular - for proper calculation and evaluation.
Factory-dependent providers of financial services (captives) generally have access to their manufacturers' data. Anyone who starts out from a perfectly functioning world will be instructed otherwise. The digital data supply of the company's own financial service provider by the manufacturer often proves to be in need of improvement. Product data is usually not optimised for linking to a variety of financing products. Also, the topicality is not always at the level that the financial service provider would like. This is the reason that even captives are among the customers of our data offer e.g. to calculate new vehicles for offers to customers before the official price lists are available.
This is an even greater challenge for free providers of financing offers. As a rule, you have no direct access to the digital data of the manufacturers. You can obtain data from specialists, but these are not optimally designed for use in the in-house calculation systems. The necessary quality assurance and adjustments are simply too expensive for many free providers, some of which are small companies. For these companies, the data offered by afb Application Services AG brings a huge benefit.
Have you ever thought about taking an alternative path? Simply let afb Application Services work out an offer for data supply - even if you use IT systems from other providers. There are two good reasons for this:
Better price: We are significantly cheaper than the well-known and specialised large institutes. Just compare! Until then, we still want to provide you with an explanation of how this is possible: The data is a necessary element in our overall focus as a service provider for a comprehensive business suite, the afb Credit Management Solution, specialising in all asset-based forms of financing. The more market participants use (and enrich) our data supply, the more valuable the inventory becomes. An advantage that can be very useful for your business.
More individuality: Our data offer can be used in many ways. We can either provide service and data or only data without and with special data maintenance. We also integrate all other data sources such as address and personal data for you, for Switzerland including KREMO and REMO. This competence also results from our overall focus. As a holistic thinking innovation and transformation partner, we are trained to combine individual services with best-in-class components or our own products to create efficient processes - in the spirit of the customer journey with maximum conversion rates.
As an experienced partner, we support our customers in procurement, refinement, provision and updating of the required data. Our module group of the Business Solution "afb-Catalogue" ensures easy access and handling of this data. This is a powerful object database for the selection and configuration of financing and leasing objects. This means that our customers always receive up-to-date data for the creation of financing applications and the optimisation of their (online) multi-step application.
You can use our data catalogue to select e.g. cars, trucks, motorcycles, mobile homes, caravans and other financing objects. With over 170,000 vehicles and over two million features, we offer a comprehensive vehicle database of all cars available on the German market of the past ten years, including standard and optional equipment. In addition to the prices, extensive basic data also includes the detailed technical data of the vehicle and the established vehicle codes from Deutsche Automobil Treuhand, EurotaxSchwacke, JATO Dynamics, the Federal Motor Transport Authority (Kraftfahrt-Bundesamt) and selected manufacturers. We also offer manufacturer-specific special data maintenance for vehicles and the import or integration of data catalogues for other financing objects for equipment financing.
Are you thinking about the alternative of getting your digital data from afb Application Services? Are you interested in prices or the design of special entry processes? Then just contact us - our experts, e.g. Silvio Kowalski will be happy to assist you.
Our experts, e.g. Silvio Kowalski will be happy to answer any questions you may have.
Did you like our business case for Digital Vehicle and Product Data? Then keep looking around! The following is an overview of our most important business cases. These are examples of how afb customers use our IT and consulting services successfully in their individual environment.
