Optimizing Core Banking

The AQBanking solution suite 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.

Solution features that enable business value-creation

1

Achieve deep new business insights from data

Data can be extremely valuable if utilized properly for optimizing the business. It serves as input to predictive modelling and deeper business understanding, which supports stronger decision-making across the organization.

2

Boost revenue and profitability

A key target of any bank is to increase revenue and become more efficient and profitable. Two very important drivers to do this is that Management have can set risk appetite nuanced across the business and bank advisors and more are supported in decision-optimization.

3

Reduce potential credit loss

A primary source of loss in banks is due to customers defaulting on their credit obligations. Credit loss is a natural cost of banking and can never be completely mitigated, but it can be significantly reduced by early detection of credit deterioration.

4

Resource optimization

In banking many tasks and processes are manual. An obvious way to become more efficient is to provide much better support with systems and automation. That is one of the main focuses of the AQBanking Solution Suite and it helps saving resources on many fronts.

5

Perform stress testing and scenarios with ease

Being able to perform stress testing and evaluate impacts from business scenarios is an important management tool in modern banking. The AQBanking Solution Suite makes it very easy and fast to perform flexible scenario assessments across the banking book.

6

More business from customer potentials

Adding new business with existing customers is a key focus in banking. An important part of that includes adding new business, that is not core banking products (like loans, credit and guarantees), but opportunities in investment agreements, pensions, and insurance - often via third party providers.

7

Documenting client assessments and pricing

Documenting decisions and actions in relation to client assessments and pricing is a very important requirement in modern banking. It not only provides a higher quality or stronger processes internally, but also allows for stronger standing with regulatory authorities.

8

Stronger standing with regulatory authorities

Banks are subject to heavy regulation and being able to document to regulatory authorities that they manage the business prudently with sound business practices is very important and provides a value via mitigating regulatory exposure.

Explore other solutions

Specialist Analytics

Working with credit, risk, and capital analysis many complex analytical challenges arise. Part of the AQBanking solution suite 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.

OpRisk Excellence

Running professional operational risk management requires solving very diverse tasks. The AQBanking solution suite 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.

What our clients say

"The AQBanking solution suite creates great value through a stronger understanding of the relationship between pricing and risk, which strengthens the profitability of the bank"
Frank Mortensen
CFO
Arbejdernes Landsbank
"The AQBanking solution suite 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."
Nikolai Krogh-Hansen
Head of Corporate Banking
Sparekassen Thy
"With the AQBanking solution suite, 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."
Per Smith
Head of Business Development
Fynske Bank
"The AQBanking solution suite is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."
Frank Mortensen
CFO
Arbejdernes Landsbank
"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."
Frank Mortensen
CFO
Arbejdernes Landsbank
"The AQBanking solution suite has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."
Nikolai Krogh-Hansen
Head of Corporate Banking
Sparekassen Thy
"The AQBanking solution suite has allowed us to ensure that profitability on clients are valued more consistently across the bank."
Per Smith
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."
Frank Mortensen
CFO
Arbejdernes Landsbank
"With the AQBanking solution suite, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."
Per Smith
Head of Business Development
Fynske Bank
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