Statistics

Accurate knowledge of one's own business is the basis for strategic decisions, risk management, the future development of financial products and customer relationships. The Statistics module group of the afb Credit Management Solution (afb-CMS) provides users with a powerful, web-based business intelligence system that can be used to create both standardised reports and individual analyses.

The comprehensive web-based reports and analyses are, on the one hand, classified by target group (marketing and sales, application administration, contract management and accounting, accounting and controlling, system and administration) and on the other they enable analyses according to business areas, such as retail financing for credit and leasing, wholesale financing, collateral management, partner management, etc.

This module group can also make the central data stock from the integrated data warehouse available to third party systems or services or link these to the central data warehouse. The data warehouse thus forms the central data pool for the connected heterogeneous systems and drastically reduces the number of direct interfaces.

Features Statistics

  • Provision of specialised statistical modules for different user groups, e.g. for employees at the point of sale, in the field or for the financial services provider
  • Online Transactional Processing (OLTP) for conventional reports from the data warehouse or real-time reports from the operational data stock, the results of which are displayed in tabular form or cross tables and are demarcated by filters and search criteria and formed for cumulations and aggregations
  • Online Analytical Processing (OLAP) for analysis on multi-dimensional data cubes with drill-down and roll-up operations as well as slicing and dicing
  • All data can be exported and further processed in Office programs such as Excel or Word
  • The afb-CMS and other operating systems provide the Operational Data Store (ODS) of the data warehouse daily with operational data extracted, transformed and loaded automatically through means of the integrated ETL tools
  • Basic data structures such as OLAP cubes and OLTP tables are generated by transformation of the data from the ODS in mostly daily intervals and form the basis for reporting and analyses
  • Reports and analyses for marketing and sales form the basis for targeted offers to customers and prospects, include information about assets, partner and customer groups in the observation of sales markets and allow the evaluation of financial products such as the market acceptance of special interest rates or dependence on criteria such as gender or age
  • Reports and analyses for the application decision and processing allow monitoring of performance and quality of decision-making, processing and billing
  • Reports and analyses for the module groups Contract Administration and Accounting provide for example commission and subsidy statistics, data for reporting to payment protection insurance, upcoming instalments and return debits, as well as information about open items, evaluations of agreements in the reminder function depending on segmentation, coordination statistics with the general ledger or consolidated ledger of the accounting system and much more
  • Reports and analyses for accounting and controlling include e.g. information on vehicle inventory valuations, credit risk analysis, accounting standards (HGB, IFRS), net asset value calculation, specific valuation allowance based on dunning, reporting
  • Reports and analyses for system and administration provide e.g. information on use, usage patterns and system utilisation of afb-CMS

    Advantages at a glance

    • End-to-end system: the Business Intelligence module allows comprehensive evaluations on the lending business of banks and leasing companies in a fully integrated, web-based system.
    • Free choice of distribution channels: reports and analyses are no longer performed only by employees of the financial services provider, but are made available to employees at the point of sale (POS), field staff and others partners involved in business transactions.
    • Improved competitiveness: accurate knowledge of one's own business is the best possible foundation for making operational decisions and controlling one's daily business activities and forms the basis for strategic decisions, risk management and the future development of financial products and customer relationships.
    • Full life-cycle coverage: this module group includes a variety of ready-made, reliable reports along the lifecycle of a service. These are useful for marketing and sales, application decision and processing, contract management and book-keeping or accounting and controlling.
    • For all business areas: reports and analyses are available for all currently active business areas such as retail financing (credit and leasing), wholesale financing, collateral management, partner management, etc.

       

      • Flexible analyses: the business intelligence system supports Online Analytical Processing (OLAP) for complex, timely analysis as well as Online Transactional Processing (OLTP) in traditional tabular form. In OLTP, users can choose between analyses based on data of the data warehouse or real-time data of the operational inventory. Flexible query methods cover issues related to the credit and leasing business of a financial services provider.
      • High degree of automation: using the built-in functions for extracting, transforming and loading data (ETL) completely automates the extraction, transformation and construction of data structures, data tables and data cubes.
      • Easy integration: the module group can also make the central database of the data warehouse available to third party systems and services and connect third-party systems to the central data warehouse. The data warehouse thus forms a central data pool for analyses of data of afb-CMS and connected heterogeneous systems, and significantly reduces the number of direct interfaces between the systems.


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