Credit Cards

With the afb Credit Management Solution (afb-CMS), financial services providers operate their credit card business at the highest level of automation across all sales channels. afb-CMS consistently maps all processes of the credit card business, from product selection and application, through automated credit decisions and processing and opening of the account to contract management and accounting, in an integrated, web-based solution. With this solution, financial services providers control all their credit card business via standardised, highly automated processes.

Services Credit Cards

  • Settings for card name, card system (Visa, MasterCard), card type (pre-paid, post-paid), annual fee (free, first year, next year), partner card (no, yes, cost), payable interest (no, yes, interest rate), checking account (no, yes), contactless payment (no, yes), maximum liability amount, loan interest rate, credit checking (no, yes), extras such as preferred PIN
  • Definitions of terms for payment or cash withdrawal in the home country, in the euro zone, in foreign currency in or outside Europe
  • Determining bill settlement by direct debit from the reference account or bank transfer
  • Determining the repayment agreement with activated credit function as a percentage of the total bill amount, but at least a minimum amount
  • Additional services such as insurance, participation in bonus systems, reductions for travel etc.
  • Applications from natural persons such as individuals and the self-employed and from legal entities, collection of the required data warehouse with plausibility check
  • Automated request of information, scoring or rating systems, , generating automated or manual credit decisions, workflow-supporting application processing
  • Activation of the credit card account, creating and delivering the credit card, continued processing of deposits and withdrawals, bill settlement, interest calculations for deposits and loans

Advantages at a glance

  • Integrated system: afb-CMS covers the entire life cycle of the contract in an integrated system – from proposal to termination of contract.
  • Free choice of distribution channels: with the solution, financial services providers are present in the desired B2B and B2C sales channels.
  • High degree of automation: with afb-CMS, our customers operate their credit card business with the highest level of automation. It is designed for high-volume, standardised processes, quick decisions and automated handling of contractual management.


    • Flexible financial products for different types of business: the module group Credit Cards provides the possibility to offer flexible financial products for specific business types. It supports all major credit card types, repayment arrangements and interest gradations.
    • Flexible range of additional services: the solution Credit Cards supports various additional services such as insurances, participation in bonus systems, reductions for travel etc.
    • Decision within the framework of the risk strategy: afb-CMS makes the credit decision based on the criteria and rules defined by the financial services provider. This ensures compliance with standardised and centralised guidelines and regulatory requirements.


    For more information, please contact us

    Solution paper

    Customer journey optimisation based on Business Services

    The future of information technology lies in the quintessence of digital transformation: lightweight, agile services. The afb Fast Intregration Business Services provide the possibility of implementing innovative functionalities in legacy systems, without changing their code basis and functionality.

    Read solution paper

    Case study

    FFS Bank: a partnership for innovative credit business

    FFS Bank is captive bank for Hyundai and Subaru and a brand-independent financial expert. The partnership of FFS Bank and afb is characterised by close cooperation and great innovative efforts. Since the beginning in 2000, the two companies have been regularly developing new innovations together.

    Read case study

    Case study

    Leading automotive bank: automation in financing and leasing operations

    No project without a business case, no investment without a sound basis for decision making. For that very reason, a leading automotive bank decided to work together with the experts of afb. The specific process stages and procedures involved in financing and leasing operations were examined and rated in terms of their optimisation potential as part of a consultation project.

    Read case study


    from mind to market – comprehensive solutions for the financial industry

    We combine market-based expertise with a strong aptitude for technological innovative strength, transforming new knowledge into marketable products and services, and focussing on these factors for success.

    Read brochure

    Solution Paper

    Explore your maturity level

    How prepared is your company for digitalisation? With the Digital Capability Check-Up you can determine the digital maturity level of your company. At the completion of the Digital Capability Check-Up you will receive the detailed analysis results for your own further use, including the identified potential for optimisation for the digital future.

    Read solution paper

    Solution Paper

    Expert know-how for future-proof solutions

    Together with our experienced consultants you will ensure that your strategies and processes are designed to cope with future challenges. We do not just provide you position papers, but support you in identifying, steering and specifying your fields of action as well as in implementing these.

    Read solution paper