afb solutions enable media-consistent digital proposal and sales processes


Munich, 15 December 2016 – afb Application Services AG (afb), European full-service provider for the optimisation of the financing business of banks and leasing companies, supplies innovative solutions for the digitisation of proposal and sales processes which seamlessly integrate all stakeholders, such as manufacturers, vendors or providers of financing and other services, into the overall process in a media-consistent manner.

Today customers from all sectors and age groups expect a simple, fast and smooth contract conclusion. afb offers manufacturers, vendors, financial and other service providers digital solutions for all process steps of the online application: object selection, quotation, application, decision, document processing, activation, disbursement and contract management. As all involved parties are seamlessly integrated into the overall process, a customer-friendly combination of physical sales areas and multi-medial offers is created. Ultimately, all of them benefit from a higher closure rate, the automation of processes, reduction of processing times and costs, and from the overall process being based on large quantities of offers, applications and contracts.

For each process step afb offers innovative functionalities which can be flexibly integrated. In addition to the purchase prices, manufacturers and retailers also use the intelligent financing calculator to present concrete financing offers, which the customer can adjust, for example, with regard to the duration, down payment and budget. Recommendations generated by the system, e.g. regarding terms and services, lead the interested parties through the existing product offer and support the product selection. By means of geolocalisation, the system sends the potential customer's contact request to the nearest branch office. A pre-credit assessment checks the affordability of objects prior to the actual start of the sales process and accelerates the entire process. The integrated digital bank-account check determines all financial data at the push of a button via direct anonymous account access, which considerably reduces the flood of documents. An online legitimation by means of video identification is also possible, as is the use of the afb-Digitizer-App, ensuring a complete digitisation of the documents, which can ultimately be signed electronically.

"These days consumers have high expectations wherever they are and whatever they desire to purchase, even when it comes to high-priced products for which they utilise financing. This development gives financing and service providers, manufacturers and retail organisations the opportunity to further exploit the potential of their various distribution channels", explains Enrico Moritz, Manager Business Development and Consulting at afb, and adds: "With our solutions, we enable our customers to digitise their application processes in a flexible and targeted manner, guaranteeing an optimal customer journey and a short time-to-market."

About afb Application Services AG

Based in Munich, afb Application Services AG has been optimising the financing operation of banks and leasing companies since 1995. A full-service provider, afb offers a customer- and project-specific mix of process, specialist and IT consulting, projects based on the afb Credit Management Solution, application and infrastructure management, business process management and outsourcing. Its innovative solutions enable companies to automate the entire credit process – from quotation to application with fully automated credit decisions and processing, through to contract management. Well-known companies from the financial services sector make use of the solutions offered by afb internationally to generate a significant percentage of their turnover.

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afb Application Services AG
Sylvia Hengstler
Senior Marketing
Tel: +49 (89)78000-353