Kontomatik
Capital Service and Kontomatik transform traditional channels of sales in fully digital customer path
June 25, 2020
When you want to do business, whether it’s lending, factoring e-commerce, or launching new products or services, you need accurate and real-time information that lets you quickly onboard new customers, verify identity, check their profitability, measure trends and metrics to turn them into useful insights.
Capital Service main goal is to provide a high level of customer satisfaction and ensures the highest standards of service. They decided on a partnership with Kontomatik to transform their traditional channels of sales into a fully digital customer path and create new products.
"Kontomatik technology has facilitated the transition from the traditional offline sales channel based on a network of branches to full online sales. It enabled fast and secure verification of customer account numbers to bank transfer. The Kontomatik widget shortened the time needed to apply for a loan and allowed to significantly reduce the scope of formalities needed to fill the application.”
Kazimierz Dziełak, Prezes Zarządu, Capital Service S.A.
Open banking in action
Capital Services and Kontomatik Partnership allowed to keep all the processes online. The first step is customer onboarding – instant process allows to verify identity and detect possible frauds – involving paperwork and manual checks became unnecessary.
In the further perspective of product development, Kontomatik enables the design and implementation of complete online processes offering a possibility to follow the path from applying to paying out a loan. The combination of Kontomatik services with onsite technology allows to implement a long-term strategy of granting loans in all sales channels, with an optimally used structure, diversifies sales towards online, Contact Center and hybrid models.
Make your credit decisions the most informed
Cooperation with Kontomatik changed approach to creditworthiness check as well. All factors usually defined as a trouble-makers – like income verification, measuring spendings patterns become automated and seamless.
Traditional credit checks relied on outdated financial records and other tools like credit bureaus, which do not provide the most current data. Real-time data aggregation and transaction categorization allow on precise calculation the probability of someone defaulting on a loan. It helps decrease the default rate and improve the acceptance rate at the same time, thus better serve the client.
Open banking opens many possibilities to improve services and bring benefits to businesses and consumers alike. Write to us, and let’s talk about how open banking can impact your business.
Related posts
February 17, 2021
Open banking = new opportunities for companies outside the financial sector
Open banking is often referred to as a revolution, and in many ways these words are not exaggerated. For customers, open banking means convenience, lower costs, completely new services and possibilities. For companies, it is an opportunity to reach for one of the most valuable assets of the financial industry - in-depth information about the client.
Read more
September 17, 2020
Simpl.rent introduces a new standard of tenant screening to the Polish market
Renting a property is a transaction worth several, and sometimes even tens of thousands of zlotys a year, which is why property owners prefer to sign contracts with reliable tenants who will make payments on time. Late or missed payments mean financial loss for the owners. Simpl.rent, is helping to mitigate this risk.
Read more
July 11, 2020
80% of customers choose open banking - Bancovo transforms financial services with Kontomatik
Bancovo understands that the online lending process has to be as simple and intuitive as booking a hotel room or taking a taxi. Customers are presented with a selection of binding offers from banks and lending companies a few seconds after filling out all required information.
Read more
July 2, 2020
Open banking and data building a new level of user experience in e-commerce
How to ensure convenient, fluent onboarding process which takes no more than a few minutes? That’s the role of technology. Tech and data are for building exceptional user experience. Customers who want to rent furniture can choose verification via Kontomatik and be redirected to their bank's app or online banking page, where they log in to complete the onboarding.
Read more
May 25, 2020
How Smartney created an exceptional user experience with open banking
Smartneys' goal is to make their clients' lives easier and provide them with the most suitable offer. To achieve this, they choose open banking technology provided by Kontomatik<
Read more
April 30, 2020
Matching people who have money with those who need them via technology.
Customers expect an intuitive and fluid experience. Working with Kontomatik enables us to optimize the onboarding process further and improve our credit risk management among our borrowers.
Read more
December 18, 2017
Lending as a Service Explained
For decades lending was a standardized, yet tedious and time-consuming procedure. It also involved lots of human interaction and work.
Read more
June 23, 2017
The Best B2B Lending Companies
The P2P lending industry proved to the world that alternative financing models could work. In China, P2P lending grew from $30 million in 2009 to $7.8 Billion today.
Read more