Customer self-service eligibility
Customers verify their own credit eligibility and maximum available fund, rather than relying entirely on the appraisal team.
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Accreditations
Case Study · Swiss Finance Company
A web-based financial credit appraisal solution for a Swiss finance company — letting customers enter their financial details and get immediate lead verification, financial-stability assessment, minimum-criteria checks and business-prospect evaluation. It builds a complete credit profile, lets customers self-verify eligibility and maximum available funding, and automatically calculates and benchmarks financial ratios — reducing appraisal time, team workload and financial risk.
Industry
Finance
Region
EU
Finance / Credit Appraisal / Financial Analysis
Xpertnest developed a web-based credit appraisal solution for a Swiss finance company to address a decentralised data structure, manual synchronisation of information and time-consuming customer eligibility analysis. The platform lets customers enter their financial details directly; the system then performs lead verification, financial-stability assessment, minimum-eligibility checks and business-prospect evaluation, generates a complete credit profile, and lets customers verify their credit eligibility and maximum available funding themselves.
Business requirements & challenges
The existing credit-appraisal process was slow and manual, and the objective was to cut the time to calculate an appraisal and respond to customers.
Major challenges
Solution
A web-based credit appraisal tool that reduces the time to calculate an appraisal and respond to customers — and lets customers perform an initial self-assessment rather than relying entirely on the credit-appraisal team.
Stack
How it works
What's new
Customers verify their own credit eligibility and maximum available fund, rather than relying entirely on the appraisal team.
The system verifies the lead as soon as financial details are entered.
Assesses financial stability, minimum-criteria fulfilment and business prospect automatically.
Calculates the entire financial ratio set and compares it against company standards for error-free appraisal.
Generates a complete customer credit profile from the entered information.
Because customers can self-verify credit, unwanted credit proposals are filtered automatically at the customer end.
Business benefits
At a glance
| Customer | Swiss Finance Company |
|---|---|
| Solution | Financial Credit Appraisal Solution |
| Platform | Web-based |
| Primary Challenge | Decentralised data & manual credit appraisal |
| Primary Objective | Reduce credit-appraisal time & team workload |
| Customer Input | Financial details |
| Automated Checks | Lead verification, financial stability, minimum criteria, business prospect |
| Output | Complete credit profile |
| Customer Self-Service | Credit eligibility + maximum available fund |
| Financial Analysis | Ratio calculation & company-standard comparison |
| Risk Impact | Reduced financial risk |
| Quality Impact | Error-free financial appraisal |
| Filtering | Unwanted credit proposals filtered at customer end |
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