Advanced Risk & Financing Check

Apart from the detailed examination of the persons involved in a business transaction, the object serving as security must also be carefully scrutinized as part of retail and wholesale financing. In addition to the accurate calculation of depreciation, residual and repurchase values, this includes the checking of the existence and condition of objects as part of so-called floor checks. Furthermore, it is necessary to clearly identify the ownership structure of the financing or leasing object prior to approval and contract conclusion and to avoid multiple or cross-financing of objects.

The afb Fast Integration Business Service 'Advanced Risk & Financing Check' enables the digital identification of multiply financed objects in comprehensive object databases.



Features Advanced Risk & Financing Check

  • Business service for checking financing objects against a central multi-bank object inventory with the aim of identifying double financing
  • Flexible, incident-related individual checks or batch-oriented, automated examinations of the whole or part of the inventory
  • Search for objects based on the unique identification number (serial or ID number) as well as manufacturer, model and type if required
  • Automatically generated hit list for manual or automated processing
  • Convenient processing of the result list including verification of hits, upload of documents and automatic dispatch of messages subject to the result status

    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: inquiry, evaluation and decision-making processes can be flexibly designed on the basis of individual customer requirements.


    • Efficiency improvement: the downsizing and digitalisation of processes result in more efficient workflows.
    • Simple integration: the streamlined scope, the underlying service-oriented architecture and standardised interfaces facilitate the integration into existing application landscapes.


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    Solution paper

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    Case study

    FFS Bank: a partnership for innovative credit business

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    Case study

    Leading automotive bank: automation in financing and leasing operations

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