Boost profitable growth with next-level banking optimization
Boost profitable growth
with next-level
banking optimization
Set your data free with proven solutions and supercharge value-creation from large-scale decision optimization, higher profitability and growth, more effective use of resources and mitigated potential loss
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Top 3 business
value-drivers
Top 5 business
value-drivers
1
Higher profitability
The AQOPTIMIZER helps optimize 70-90% of the entire revenue streams in banks and our customers typically experience an increase in profitability of 6-22% of the entire interest rate income from the core banking business. The benefits arrive from large-scale decision optimization, algorithmic pricing that assures return requirements and better utilization of business potentials.
2
Loss reduction
The AQOPTIMIZER helps significantly improve mitigation of potential credit loss. The solution automatically assesses and price all bank customers daily, which allows our clients to act quickly when credit deterioration begin.
3
Resource optimization
The AQOPTIMIZER helps provide more efficient use of resources across many fronts in banking. Bank advisors are supported in assessing potential new customers very quickly, which saves many resources in the branch offices. Many credit and granting controls are automated, which saves resources in control functions.
What our clients say
"The solution will enhance Íslandsbanki’s ability to better navigate a rapidly changing interest rate environment. This improvement ensures that our business professionals are always equipped with up-to-date profitability and risk assessments, enabling them to make informed daily business decisions that align with the bank's risk appetite and overall strategy. We aim to empower and enable relationship managers to drive more profitable growth while meeting increasing client demands for quality, transparency, and added value in banking services."
Executive Director – Financial Control
Íslandsbanki
"The AQOPTIMIZER solution creates great value through a better understanding of the relationship between pricing and risk, which strengthens the profitability of the bank"
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution is a user-friendly and easily accessible solution that brings great value and understanding to individual advisors, departments and management on the relationship between pricing and capital charges."
Head of Corporate Banking
Sparekassen Thy
"With the AQOPTIMIZER solution, we now have a framework that allows us to get a quick and easy overview of earnings on different customer segments. This applies at individual and portfolio level."
Head of Business Development
Fynske Bank
"With AQOPTIMIZER, we can now put more decision power in the hands of our advisors, as the application systematically supports our customer-facing employees in cost- and risk-based pricing. This is based on Management's risk appetite, which is integrated into the solution and derived in all decision-making."
Head of IT & Business Development
Merkur Andelskasse
"For 7 years we have used a pricing tool which has progressed the bank in understanding pricing - with the AQOPTIMIZER solution suite we can move the bank to the next level, with the ability to individualize, simulate and report."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"From access to the AQOPTIMIZER solution through to implementation by end users, we have experienced a very high level of service, with quick responses, good sparring, and a great willingness to develop the system to suit the bank's needs."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."
Head of Corporate Banking
Sparekassen Thy
"AQRISK provides competent support on a daily basis and acts as a good sparring partner during both the implementation process and once the application has gone live."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution has allowed us to ensure that profitability on clients are valued more consistently across the bank."
Head of Business Development
Fynske Bank
"We find that AQRISK has a strong focus on continuously developing and improving the application in collaboration with the banks. The development and implementation of concrete improvement proposals is very rapid."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"Even though we are a smaller, niche and value-based bank with limited IT resources, we have still been able to implement the AQOPTIMIZER application relatively easily in close cooperation with AQRISK. The solution is within the framework of our datacenter and thus presents very limited data and system risks."
Head of IT & Business Development
Merkur Andelskasse
"With the AQOPTIMIZER solution, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."
Head of Business Development
Fynske Bank
"By moving to the AQOPTIMIZER solution we have reduced time used for client assessments and pricing by a factor 12 - this provides great user satisfaction and makes implementation and banking optimization very efficient."
Head of Business Development – Corporates
Vestjysk Bank
"The solution will enhance Íslandsbanki’s ability to better navigate a rapidly changing interest rate environment. This improvement ensures that our business professionals are always equipped with up-to-date profitability and risk assessments, enabling them to make informed daily business decisions that align with the bank's risk appetite and overall strategy. We aim to empower and enable relationship managers to drive more profitable growth while meeting increasing client demands for quality, transparency, and added value in banking services."
Executive Director – Financial Control
Íslandsbanki
"The AQOPTIMIZER solution creates great value through a better understanding of the relationship between pricing and risk, which strengthens the profitability of the bank"
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution is a user-friendly and easily accessible solution that brings great value and understanding to individual advisors, departments and management on the relationship between pricing and capital charges."
Head of Corporate Banking
Sparekassen Thy
"With the AQOPTIMIZER solution, we now have a framework that allows us to get a quick and easy overview of earnings on different customer segments. This applies at individual and portfolio level."
Head of Business Development
Fynske Bank
"With AQOPTIMIZER, we can now put more decision power in the hands of our advisors, as the application systematically supports our customer-facing employees in cost- and risk-based pricing. This is based on Management's risk appetite, which is integrated into the solution and derived in all decision-making."
Head of IT & Business Development
Merkur Andelskasse
"For 7 years we have used a pricing tool which has progressed the bank in understanding pricing - with the AQOPTIMIZER solution suite we can move the bank to the next level, with the ability to individualize, simulate and report."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"From access to the AQOPTIMIZER solution through to implementation by end users, we have experienced a very high level of service, with quick responses, good sparring, and a great willingness to develop the system to suit the bank's needs."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."
Head of Corporate Banking
Sparekassen Thy
"AQRISK provides competent support on a daily basis and acts as a good sparring partner during both the implementation process and once the application has gone live."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution has allowed us to ensure that profitability on clients are valued more consistently across the bank."
Head of Business Development
Fynske Bank
"We find that AQRISK has a strong focus on continuously developing and improving the application in collaboration with the banks. The development and implementation of concrete improvement proposals is very rapid."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"Even though we are a smaller, niche and value-based bank with limited IT resources, we have still been able to implement the AQOPTIMIZER application relatively easily in close cooperation with AQRISK. The solution is within the framework of our datacenter and thus presents very limited data and system risks."
Head of IT & Business Development
Merkur Andelskasse
"With the AQOPTIMIZER solution, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."
Head of Business Development
Fynske Bank
"By moving to the AQOPTIMIZER solution we have reduced time used for client assessments and pricing by a factor 12 - this provides great user satisfaction and makes implementation and banking optimization very efficient."
Head of Business Development – Corporates
Vestjysk Bank
"The solution will enhance Íslandsbanki’s ability to better navigate a rapidly changing interest rate environment. This improvement ensures that our business professionals are always equipped with up-to-date profitability and risk assessments, enabling them to make informed daily business decisions that align with the bank's risk appetite and overall strategy. We aim to empower and enable relationship managers to drive more profitable growth while meeting increasing client demands for quality, transparency, and added value in banking services."
Executive Director – Financial Control
Íslandsbanki
"The AQOPTIMIZER solution creates great value through a better understanding of the relationship between pricing and risk, which strengthens the profitability of the bank"
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution is a user-friendly and easily accessible solution that brings great value and understanding to individual advisors, departments and management on the relationship between pricing and capital charges."
Head of Corporate Banking
Sparekassen Thy
"With the AQOPTIMIZER solution, we now have a framework that allows us to get a quick and easy overview of earnings on different customer segments. This applies at individual and portfolio level."
Head of Business Development
Fynske Bank
"With AQOPTIMIZER, we can now put more decision power in the hands of our advisors, as the application systematically supports our customer-facing employees in cost- and risk-based pricing. This is based on Management's risk appetite, which is integrated into the solution and derived in all decision-making."
Head of IT & Business Development
Merkur Andelskasse
"For 7 years we have used a pricing tool which has progressed the bank in understanding pricing - with the AQOPTIMIZER solution suite we can move the bank to the next level, with the ability to individualize, simulate and report."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"From access to the AQOPTIMIZER solution through to implementation by end users, we have experienced a very high level of service, with quick responses, good sparring, and a great willingness to develop the system to suit the bank's needs."
Head of Business Development – Corporates
Vestjysk Bank
"The AQOPTIMIZER solution has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."
Head of Corporate Banking
Sparekassen Thy
"AQRISK provides competent support on a daily basis and acts as a good sparring partner during both the implementation process and once the application has gone live."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"The AQOPTIMIZER solution has allowed us to ensure that profitability on clients are valued more consistently across the bank."
Head of Business Development
Fynske Bank
"We find that AQRISK has a strong focus on continuously developing and improving the application in collaboration with the banks. The development and implementation of concrete improvement proposals is very rapid."
Deputy Chief Executive Officer
Arbejdernes Landsbank
"Even though we are a smaller, niche and value-based bank with limited IT resources, we have still been able to implement the AQOPTIMIZER application relatively easily in close cooperation with AQRISK. The solution is within the framework of our datacenter and thus presents very limited data and system risks."
Head of IT & Business Development
Merkur Andelskasse
"With the AQOPTIMIZER solution, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."
Head of Business Development
Fynske Bank
"By moving to the AQOPTIMIZER solution we have reduced time used for client assessments and pricing by a factor 12 - this provides great user satisfaction and makes implementation and banking optimization very efficient."
Head of Business Development – Corporates
Vestjysk Bank
Let our solutions help
Banking Optimization
The AQOPTIMIZER solution makes it easy to optimize the core banking business. The solution allows for much enhanced use of data, analytics, and modern technology. Bank advisors are supported in assessing and pricing clients optimally, while management and staff specialists can assure profitability targets are met.
OpRisk Excellence
Running professional operational risk management requires solving very diverse tasks. The AQOpRisk solution includes a unique operational risk framework that combines these tasks in an easy-to-use solution - making it possible to perform effective and high-quality operational risk management with few resources.
Specialist Analytics
Working with credit, risk, and capital analysis many complex analytical challenges arise. The AQANALYTICS solution is dedicated to support specialists in solving such analytical tasks/problems. It helps automate manual and ad-hoc tasks and perform them systematically and very fast - allowing for more efficient use of resources.
