The data exchange process is now integrated into the fintus process automation and digitisation platform. The digital application process for an online loan therefore becomes even faster and more efficient. The fintus Suite submits the inquiry about the potential customer to the SCHUFA via a corresponding API (interface) and in return immediately receives the actual information. Almost 100% of the information is generated and transmitted in real time and in the highest quality.
The digital customer onboarding process of the fintus Suite covers all steps from the preparation of an offer, credit assessment and online legitimation to the digital conclusion of a contract. Data is already gathered during the application process. This fully digitised process, including SCHUFA information, turns every financial institution into a 24-hour bank with an outstanding customer experience.
SCHUFA is Germany’s leading solution provider of information services for companies and consumers. A total of around 9,500 corporate customers are connected to their services as contractual partners. In addition, around 2.1 million private customers use SCHUFA services. The company offers private and business customers such as banks, savings banks and dealers credit-relevant information on creditworthiness, identity and fraud prevention. On the basis of our decision-making aids, private and business customers can conclude contracts quickly, cost-effectively and unbureaucratically. Information about products and services for private customers as well as online access to SCHUFA’s own stored data is available on the Internet portal www.meineSCHUFA.de. The SCHUFA database comprises 943 million pieces of information on 67.7 million private individuals and 6 million companies.
fintus GmbH operates the SaaS platform for the digitisation, automation and optimisation of the financial industry: fintus Suite. From the digital application process with the highest conversion rates, and the automated application review – together with all necessary documents – to the automation of communication to the central operations frontend, which combines all tasks and views of the processing in one interface, fintus provides all the key functions. The configuration and optimisation of all business processes takes place intuitively via graphical modelling. Instead of replacing existing monoliths, the suite complements them. The FinTech ecosystem is connected to fintus via its own central platform – thus enabling the shortest possible onboarding.
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