Navigating
Financial
Horizons

FINNOFLEET’s leading software solutions and accompanying consulting
services enable our clients to chart a course towards a successful future.

Products

EUR 0+ billion

annual credit volume processed via FINNOFLEET systems

Clients

0+

clients from the financial
services industry

Experts

0+

industry experts work at 10 locations in Central Europe

Solutions that open up
new horizons

With our more than 350 industry experts in central Europe, we work hard every day to shape the future of the fintech industry. 
Over 400 FINNOFLEET clients use our software to automate their business processes and open up new solution horizons.

FINNOFLEET offers state-of-the-art, partly AI-based software solutions. We implement these successfully with our clients, both in the cloud and in hybrid or licensing models – supported by our in-house consulting services. FINNOFLEET clients benefit from our more than 30 years of industry experience in the financial services sector. 

Our mission is to continue making a decisive impact on the fintech industry with our market-leading solutions.

PRODUCTS

Property financing
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  • Credito ProcessManagement

    • Credito ProcessManagement

    Credito ProcessManagement is a modern, modular and end-to-end business solution that covers the entire credit management process safely and efficiently – from application to payment – and can be individually scaled all the way to reliable full automation. With its integrated customer and sales portals, ProcessManagement is ideal for loans such as consumer loans, construction finance and business loans.


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  • ELA Kredit

    • ELA Kredit

    ELA Kredit is an individualised, sustainable and end-to-end lending solution for the finance industry. The modular system is based on state-of-the-art end user technologies and back-end IT infrastructures that have proved their mettle on the market. This makes it possible to always keep the consulting solution for lenders technically and functionally up to date – across all areas and the entire software life cycle.

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  • MONTO

    • MONTO

    he MONTO credit processing system is a Web-based application (SaaS) for the individualised, standardised and automated management of property financing. This centralised application and processing system for financial institutions reaches and controls all sales channels including the platforms of a bank and enables an end-to-end process-driven workflow – from application submission to specialist review and voting through to dynamic document generation and rights-driven digital files, fully automated contract drafting and payment and loan extension. The parties involved in the process also receive processing forecasts and information on the quality and quantity of the transaction. The portal ensures consistent communication and information with the end customer and sales. Speed, service, security and data protection accompany the entire process.

    But that’s not all: as part of the system, the FlexCheck B2C solution and other service modules can be easily and securely integrated into the websites of financial institutions for use by end customers. This service facilitates additional lead generation and offers those interested in private property financing the straightforward option of a direct initial assessment and information according to the criteria of the financial institution.

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  • WinCredit

    • WinCredit

    WinCredit is a modular software solution for credit management. It enables the processing of credit, loans and mortgages of all kinds, as well as the comprehensive management of the loan portfolio – in a professional and end-to-end manner. The following solutions can be operated independently or in combination with each other:

    WinCredit financing: loan preparation involves the collection and review of all key information on customers and loans. After an assessment of the loan collateral, the credit rating, risk-adjusted pricing and contracts are drawn up. The entire credit file is kept electronically.

    WinCredit account management: this product covers all areas of application and parametrisable basic functionalities for (credit) account management with subledger accounting as well as connection to payment transactions – entirely according to the needs of the user and in accordance with the accounting regulations applicable to them.

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    Promotional loans
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  • FGCenter

    • FGCenter

    FGCenter is the leading software solution for a bank’s promotional lending business, allowing it to be fully organised and digitalised. All business processes – from customer enquiries to credit agreements – are handled online. In addition, advisers are supported in the creation of customer-specific financing offers with up-to-date information. But that’s not all: the software is able to link financing partners to all financing institutions.

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  • LoanManagement System

    • LoanManagement System

    LoanManagement System is a modular software solution for the digitalisation of subsidies. Based on state-of-the-art architectural principles and the use of standard technologies, this tool enables clients to implement new business and revenue models. This software covers the entire customer life cycle of modern funding processes – from the digital application process to expert review and customer communication. As a link between the outside world and the existing application landscapes of a bank, LMS transforms information, enriches it and communicates with the core banking system. In this way, economic support gets to where it is needed more quickly.

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    Refinancing
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  • WinCredit

    • WinCredit

    WinCredit is a modular software solution for credit management. It enables the processing of credit, loans and mortgages of all kinds, as well as the comprehensive management of the loan portfolio – in a professional and consistent way.

    WinCredit refinancing: this solution covers the wide range of refinancing options with professional and intelligent services – from building up your own cover pool and the pooling of funds through to loan surveys.

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    Consumer credit
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  • Credito ProcessManagement

    • Credito ProcessManagement

    Credito ProcessManagement is a modern, modular and end-to-end business solution that covers the entire credit management process safely and efficiently – from application to payment – and can be individually scaled all the way to reliable full automation. With its integrated customer and sales portals, ProcessManagement is ideal for loans such as consumer loans, construction finance and business loans.


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  • Credito NPL

    • Credito NPL

    Credito NPL is a digital solution for modern non-performing loan management that allows you to process receivables efficiently and in a way that saves resources. From intensive support and restructuring through to workout and the formation of individual value adjustments, all business processes can be mapped in just one software solution.

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    Insurance management
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  • bAVManager

    • bAVManager

    bAVManager is the leading software for the creation and calculation of actuarial reports. In addition to actuarial valuations, it is possible to map all areas of the company along the value chain – including communication with customers. Expert opinions can be produced in just five minutes – and, of course, the software enables complete and audit-proof archiving of data.

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  • BiPRO Manager

    • BiPRO Manager

    BiPRO Manager is a tool to boost online business with new customers thanks to bidirectional data exchange between consumers and providers. All relevant standards on the market – as defined by BiPRO e. V. – can be provided as services in both directions. In addition, the software makes it possible to integrate new sales partners in a very short time and to speed up BiPRO projects in general. The additional components BiPRO Monitor and BiPRO Client monitor the availability of client systems and support them in functional and technical tests.

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  • Insurance Suite

    • Insurance Suite

    Insurance Suite is an all-in-one system for the simple and complete processing of all business transactions of an insurer in the composite segment. It combines an inventory management system, sales components and a BiPRO management system. While the former enables the straightforward and complete handling of all business transactions of an insurer, the BiPRO Manager and the sales components organise digital sales and optimise communication with sales partners. For example, the tool supports simple and efficient processing, from tariff calculation and quotation preparation through to contract and claims management.

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    Receivables management
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  • aserto®

    • aserto®

    aserto® is an all-in-one pre-collection software program for the public sector, debt collection agencies and other institutions. This sophisticated audit-proof solution covers all types of receivables such as loss certificates, write-downs, maintenance claims, etc. aserto® thus enables intelligent receivables management, which increases the chance of more income.

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  • Collecto

    • Collecto

    Collecto is a customisable software solution for receivables management specifically for debt collection service providers. If you are a debt collection agency or law firm, it enables you to process efficiently and in compliance with regulations, and supports you in all stages of recovery.

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  • Debito

    • Debito

    Debito is a bespoke receivables management application that helps you recover your own outstanding receivables economically and efficiently. Pre-court and court-ordered dunning procedures are an integral part of the solution.

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    Banking Solutions
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  • eKMS

    • eKMS

    eKMS (KampagnenManagementSystem / Campaign management system) is a digital signage platform specifically developed for the needs of regulated financial service providers. As such, eKMS digitalises ATL poster campaigns, but also offers completely new ways to reach customers directly where they take out advice-intensive financial products – namely on-site in the branch – by integrating and interfacing with other solutions specific to financial service providers.

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  • eKLS

    • eKLS

    eKLS (KundenLeitSystem / Customer guidance system) is a software and hardware solution for the management of branch customers that has been developed jointly with, and for, financial service providers. eKLS can be adapted to the specific requirements of modern branch operations and, with its configurable applications, enables the complete digitalisation of the customer reception process. The service and advisory business can be significantly improved with the help of eKLS in a cost-saving and customer-oriented manner. Prospective customer recognition, customer segmentation and transfer to video consultations are just a few features that integrate the solution uniquely into branch operations.

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  • Process automation

    • Process automation

    Process automation is a comprehensive range of software solutions that automate and optimise processes in the day-to-day business of banks and savings banks. These include, among other things, fully automated online banking activation and
    deactivation, electronic inbox installation and bank statement conversion, changeover to electronic inboxes, management of consultation appointments and Payment Accounts Act (ZKG) documentation. With a single click, these solutions complete processes that previously tied up a host of resources.

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    Services
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  • Agile organisational development

    • Agile organisational development

    Agile organisational development is a process guided by agile thinking and working methods to transform companies holistically within the framework of the Agile Cycle – from initial awareness to evaluation and scaling. Following our principles of enthusiasm and empowerment, we transform classic structures and processes into innovative digital solutions to unleash the company’s full potential.

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  • document management

    • document management

    faScan is the beginning of a journey into a completely paperless world – digital and eco-friendly. At least three neural networks and the state-of-the-art analysis methods of this software enable controlled recognition of documents and their classification, laying the foundation for simple and intuitive follow-up work. faScan can already operate in the central digital inbox and handle the management and routing of all incoming documents.

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  • Innovation management

    • Innovation management

    Advisory innovation management is a service that allows financial service providers to benefit from our amassed knowledge of established methods and processes related to the development of innovations. We offer several formats in which we develop solutions and concepts together with our clients – from a one-off workshop to the establishment of a continuous innovation process.

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  • AI expertise

    • AI expertise

    Custom AI Services is a comprehensive, tailor-made service package for the planning, implementation and operation of artificial intelligence (AI) for a wide range of companies in the financial sector. We offer clients the exclusive expertise and innovative technology required to complete individual projects or scale AI throughout the company. Together with our data scientists, mathematicians and computer scientists, we define possible use cases and estimate feasibility and cost, with customised AI services developed on this basis. Many applications, such as semantic image analysis to detect damage, fraud anomaly detection or customer data analysis for the development of new business strategies, can even be operated without their own infrastructure. The results are impressive and help to unlock the full potential of the respective company.

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  • Professional Services

    • Professional Services

    Specialising in the financial sector, we support clients with our professional services:

    • Data centres and financial service providers
    • Banks, savings banks, building societies and mutual banks
    • Leasing firms and promotional banks
    • Collection service providers and companies

    With our technical expertise, specialist tools/methods and the provision of resources, we help to remove bottlenecks and thus speed up projects.

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  • Software-Engineering

    • Software-Engineering

    Our customised software engineering encompasses a range of services covering the entire life cycle of complex software systems and offering high-quality solutions for the most demanding problems. Consulting, development, integration and maintenance are supported individually and in a targeted manner – in all project phases. The decision as to whether projects are implemented fully or partially in-house or externally is, of course, up to the client.  

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    Always close
    at hand

  • CLIENTS

    • Click on the logos to learn more about our clients.

    • Financial service providers in German-speaking countries have relied on the services of b+m Informatik for three decades. Close cooperation with insurance companies, banks and savings banks enables us to contribute both professional and technical expertise within our core competencies. We focus on specialised industry solutions that are individually tailored to the needs of our clients. With this bespoke approach, we not only support our clients in the short term, but also accompany them on their journey to sustainable and long-term success. Our proven reliability and commitment are the foundation upon which our long-term client relationships are built.

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    • Over the past three decades, well over 1,000 financial institutions in German-speaking countries have relied on the services of engram. Through close cooperation with private and commercial banks, but also with data centres, network partners and associations of large financial groups in Germany, product solutions have been developed that inspire and support our clients in the long term through openness to interfaces and technology, straightforward implementation and continuous further development.

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    • The applications of PRO-DIRECT-FINANCE GmbH are tailored to the needs of financial service providers of all types and sizes – for example for banks, building societies and insurance companies. The loan processing systems and modules/interfaces of PRO-DIRECT-FINANCE are and have already been used by many well-known German and international financial service providers, which use them to manage their business processes, in particular property financing and lending.

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    • Tailored as they are to the client’s respective credit and receivables management business, SUBITO’s software solutions all have one thing in common: the expertise gained from over 33 years of experience in the industry. We know the precise needs of our clients in the areas of financial services, debt collection, industry and public administration. This practical experience, combined with specialist technical knowledge and partnership-based teamwork, makes it possible to develop and implement the optimal strategy for each project. In this way, SUBITO not only achieves set targets – we exceed them. 

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    • Tailored as they are to the client’s respective credit and receivables management business, SUBITO’s software solutions all have one thing in common: the expertise gained from over 33 years of experience in the industry. We know the precise needs of our clients in the areas of financial services, debt collection, industry and public administration. This practical experience, combined with specialist technical knowledge and partnership-based teamwork, makes it possible to develop and implement the optimal strategy for each project. In this way, SUBITO not only achieves set targets – we exceed them.

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    • For more than 25 years, K&W Software AG has been supporting clients in the digitalisation of their business processes and the development and implementation of credit consulting solutions that are optimally tailored to the client’s needs. Clients benefit from many years of market-proven experience in the areas of business analysis, quality assurance, deployment (DevOps) and user experience design. Drawing on up-to-date technologies, an optimum user experience and sustainable software maintenance, K&W creates long-term added value for your customers.

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    • Over 400 banks, insurance companies, pension funds and financial intermediaries work with Base-Net Informatik AG solutions because these give them a decisive market advantage. Using state-of-the-art technology and agile working methods, we connect internal and company-wide processes. In doing so, we maintain a spirit of partnership with our clients and tailor our activities one hundred per cent to their needs. These close working relationships enable Base-Net Informatik AG to identify trends at an early stage and develop future-oriented solutions.

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  • PARTNERS

    • Click on the logos to learn more about our partners.

    • By working closely with a strong network of partners, we benefit from a continuous exchange of information and technology in our core areas. Collaboration with our partners also opens up new perspectives and ideas that lead to creative solutions and successful projects. This gives rise to a dynamic environment in which continuous progress and growth are encouraged, which ultimately ensures the long-term success of our clients.

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    • In order to offer our clients the greatest possible added value, we connect company-wide processes and shape interaction with business partners across the board. In this way, we recognise possible trends early on and, together, we are able to respond to changes in the best possible way and as quickly as necessary. Respectful cooperation with our partners is characterised by an innovative environment, a cutting-edge infrastructure and contemporary working methods.

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    • Partnership is a hallmark of the relationship between engram and its clients. But partnerships for the joint expansion of the product and solution portfolio are also continually initiated and supported by engram – the focus always being on delivering tangible added value for clients.

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    • Partnering with other market players in the mortgage and lending ecosystem is an important success factor for the implementation of a project. Over the years, we have been able to establish many first-class relationships with well-known companies whose specialist expertise in day-to-day operations is a major asset for us – and thus also for our clients.

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    • Pooled competencies make it possible to operate successfully on the market and win customers. The partner concept of PRO-DIRECT-FINANCE focuses on continuity and includes strategic alliances with hardware and software providers and data centres, as well as cooperation with project partners, consulting companies and support service providers. Together we are stronger – and more successful.

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    • When we develop bespoke applications for our clients, we rely on the combination of expert knowledge and innovation. In doing so, SUBITO draws on long-standing cooperation with renowned partners who support us with solutions for data integration and process expansion, among other things. This enables us to achieve the best results in the end-to-end process of all SUBITO software solutions. For maximum efficiency and absolute reliability – both added values that make our clients even more successful.

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    • When we develop bespoke applications for our clients, we rely on the combination of expert knowledge and innovation. In doing so, SUBITO draws on long-standing cooperation with renowned partners who support us with solutions for data integration and process expansion, among other things. This enables us to achieve the best results in the end-to-end process of all SUBITO software solutions. For maximum efficiency and absolute reliability – both added values that make our clients even more successful.

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  • LOCATIONS

    • Click on the logos to learn more about our locations.

    • b+m Informatik AG is an IT service provider, consultancy and product manufacturer for banks, insurance companies and financial service providers in German-speaking countries. For 30 years, we have been offering innovative solutions focusing on the digitalisation of our core business areas to achieve the strategic objectives of more than 100 companies. Passionate about their work, our 90 employees are a reliable point of contact for clients at all times. They benefit from a spirit in which teamwork, training and professional development, as well as the fostering of talent, have a high priority.

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    • SUBITO is also present in northern Germany – with an office in Hamburg. 

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    • engram GmbH, based in Bremen, has been digitalising and transforming the sales operations of financial service providers for over 33 years. With technological expertise, knowledge of functional processes, a passion for innovation and a laser-like focus on the client, the firm continuously develops software solutions that generate lasting positive changes and digitally support and shape the client communication of financial service providers.

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    • PRO-DIRECT-FINANCE GmbH is a technology and software company with Web-based software solutions that map, automate and thus accelerate all highly complex processes relating to property financing and credit management. The outstanding functionality and performance of our applications is based on the powerful symbiosis of IT knowledge and banking expertise under one roof. And this with one goal: more success for our clients – now and in the future.

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    • As a specialist in finance, debt collection, public administration and industry, SUBITO offers clients scalable, state-of-the-art software solutions that support the full spectrum of processes in credit and receivables management. SUBITO clients also enjoy the decisive advantage of not only having the software delivered, but also of having it integrated on-site at their premises. And this is what SUBITO GmbH has been doing successfully for over 30 years, during which time it has been active as a supporter of digitalisation and project catalyst in German-speaking countries and beyond.

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    • SUBITO Luxembourg S.à r.l. in Wormeldange was founded on 1 June 2019 as a new location of SUBITO GmbH. In Luxembourg, the development of SUBITO’s state-of-the-art and modular solutions is going from strength to strength.

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    • SUBITO Austria GmbH, headquartered in Vienna, is a subsidiary of SUBITO GmbH. As a software solution provider and consulting specialist, SUBITO GmbH offers the entire range of services – with a focus on Austria, Switzerland and South Tyrol.

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    • K&W Software AG employs almost 40 people at its locations in Zurich and Berne. Benefit from this powerhouse with over 120 man-years of experience in the development of credit advisory solutions.

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    • K&W Software AG employs almost 40 people at its locations in Zurich and Berne. Benefit from this powerhouse with over 120 man-years of experience in the development of credit advisory solutions.

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    • Base-Net Informatik AG offers its clients in the financial sector unique tools for credit management with maximum automation and efficiency over the entire credit cycle. Our modular solutions deliver comprehensive services in the areas of loan initiation and account management, electronic deposit registers and the automation of credit and refinancing processes. Our central location in Sursee serves all clients in Switzerland and in neighbouring countries.

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    News from
    FINNOFLEET

    25th March 2024

    The latest FintechWorld took place in Berlin on March 13th and 14th, 2024. The top-class event, organized by Bankingclub, brings together a large number of fintechs, regtechs and insurtechs every year. This year FINNOFLEET was there with an entire team. Special thanks to our colleagues Jörg Gurzawski (SUBITO) and Dennis Kiefert (engram), who represented us […]

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    13th March 2024

    The interior has been completely renovated. The office equipment with desks, chairs, technology and much more is complete. And the window front is laminated with a unique FINNOFLEET Zurich motif. Now we can get started – real coworking for our colleagues from the FINNOFLEET companies. Creative work in an open and modern room concept. Thank […]

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    9th November 2023

    Meeting new targets in the world of finance with six companies and more than 350 industry experts at 10 locations The time has come. With b+m Informatik AG, Base-Net Informatik AG, engram GmbH, K&W Software AG, PRO-DIRECT-FINANCE GmbH  and SUBITO GmbH, the new team at FINNOFLEET is ready to expand the horizon of the financial […]

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    En savoir plus

    Join FINNOFLEET

    Are you ready to take your career to new horizons with us? Then join our FINNOFLEET crew! Together with more than 350 software, finance and consulting experts in central Europe, develop new digital solutions that will help our regional and international clients successfully chart a course into the future.

    The career pages of our FINNOFLEET companies offer more than 30 job vacancies, further information and, of course, the opportunity to apply directly.

    You will find a selection of vacancies below. We look forward to receiving your application

    Feel free to get in touch
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