Advanced Risk & Financing Check

As a rule, in retail and wholesale financing, apart from meticulous scrutiny of all persons involved in the transaction, it is also imperative to evaluate assets being used as collateral. This includes careful calculation of depreciation and residual and repurchase values. This is just as important as conducting so-called floor checks to verify the existence and condition of the assets. Moreover, it is also necessary to clearly identify the ownership of the asset being financed or leased and avoid multiple or cross-financing.

The afb Business Service ‘Advanced Risk & Financing Check’ enables the detection of multiple-financed assets in high-volume asset data bases.



Features Advanced Risk & Financing Check

  • Checking of assets to be financed against a central, cross-bank asset inventory with the aim of identifying double financing
  • Flexible, results-orientated checks on a case-by-case basis or automated checks of all or part of the hit list
  • Search for objects based on the serial/unique identification number as well as manufacturer, model and type if required
  • Automatically generated hit list for manual or automated processing
  • User-friendly processing of the hit list including verification, upload of documents and automatic dispatch of messages

    Advantages at a glance

    • Full flexibility: the business service enables incident-related case-by-case checks of objects, e.g. as part of inquiries on applications, as well as a check of the whole or part of the object inventory.
    • Specific workflows: information, assessment and decision-making processes can be conducted flexibly and on an individual basis.


    • Increase in efficiency: steamlining and digitisation processes lead to more efficient operations.
    • Simple integration: a consistently service-orientated architecture and standardised interfaces facilitate integration into existing application landscapes.


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