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 08.04.2002

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Retail Banking Technologies 2002, Number 3, 2002

 
     

Distribution channels are open to exploitation by ultra-modern, modular software, and financial institutions, along with the property development sector, are benefiting from integration.


Modular software for specialised so-lutions


IMMO-DATA concentrates on the continuous development and marketing of ultra-modern, modular software that optimally integrates all exploitable distribution channels, from POS to the approved contract.


Immobank, for example, which has already been in use by banks since 1997, covers the complete process of a lending transaction, from the initial client discussion to the printing of the institute-specific credit agreement, together with all requisite forms and attachments. Modular solutions can be fully linked into this under Immobüro® - for the competence database, and assessment of collateral value - and Immoment®, real-estate competence online, property database, generation of terms, arrangement of commissions, credit investigation, scoring, economic information online, credit presentation or decision, printing of contracts and documents, fault detection (missing documents), and right on up to input into the legal system.


Using the separate Immodirekt® module, external consultants and intermediaries can carry out consultations and application registration offline, send the data electronically to the bank and, after approval, print out a counterfeiting-proof credit agreement for their customers. Since all products are fully usable by clients, they can be used both by a bank and its cooperating partners, and by negotiation platforms (E-ASP, or extended application service providing) as a web and/or client/server application in the B2B and B2C domains. External marketing organisations can also use them. Thanks to a competence-controlled program interface, use of these products is scalable from ‘expert' to ‘end customer' level.


Immobank provides the bank, as well as the external consultant, with an application that competently supports them and their customers from the start of initial discussions right up to the printing of the credit application and agreement. At the same time, Immobank drastically shortens approval times (using an individual setting, only ‘sound' cases are sent for decision) and massively reduces back-office costs.


In addition to products for the lending business, Immo-Data's modularly constructed product range is rounded off with applications for the customer advisory department in lending and borrowing transactions for financing building projects, installment credit, prudential arrangements, debt rescheduling or extension, financial planning, and property portfolio consultancy, with the origination and comparison of investment analyses.


Finanzplanung, for example, has been enthusiastically received in the financial-planning domain, because of its new data-acquisition method: within two hours, the entire asset structure is reproduced with respect to the yield, risk, liquidity and tax situation. There is a further option to switch directly to the detailed level of individual investment media, in order to draw up a detailed balance-sheet of assets whenever desired. This makes it possible to give asset-consultancy customers transparency and security.


All applications, have an integrated CRM module which recognises cross-selling potential and assigns it to specialist departments.


Immo-Data sees its core competence as the reproduction of business and decision-making processes with modular ultra-modern application tools. Customers do not have to content themselves with standard solutions. Further specialised applications, individually tailored to task areas, are developed. These services are rounded off with resource consultancy, software maintenance, hotline and training. All applications possess up-to-the-minute auditor certification.


About the company Immo-Data AG, has been active for 20 years, and is among the leading software houses serving Germany's financial-services and property-management sectors, with more than 75,000 installations. Clients include banks, insurance companies, building societies, financial and asset consultants as well as property developers, real-estate agents and property-management companies.


For further information, please contact:
IMMO-DATA AG Michael Andrae
Tel: +49 2327 94900
Email: info@immo-data.com
URL: www.immo-data.com
URL: www.immo-check.com

  
  
  
  
 

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