DAC4Loan B2B Use Cases

Introduction

DAC4Loan is largely intended for companies that need to get a full overview of customers.

Information you can get from DAC4Loan:

Does the customer have Chargebacks?
Does the customer get government aid?
Is the customer in contact with debt collection or seizure?
How much is the spending and income of the customer?
Does the customer have private withdrawls?

The following use cases are examples to make them more “plastic”.

Banks

UC-01: Determine the customers financial situation for a loan application

Actors	Bank User
Systems	Bank’s loan application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Minimization of the credit default risk Verification of the true creditworthiness of the customer Analysis of the given account
Preconditions	User has opened the Bank's online loan application
Flow	Import account data with finAPI WebForm or finAPI OpenBanking Access Synchronize the account data to Data Intelligence for starting analysis Execute a Check to get the result immediately

Car manufacturer

Checking the customer's financial situation for leasing or financing contracts

Actors	Bank User
Systems	Manufacterer’s leasing application finAPI Data Intelligence finAPI Process Controller finAPI WebForm
Goals	Minimization of the default risk
Preconditions	User has opened the Bank's online loan application
Flow	Import account data with finAPI WebForm or finAPI OpenBanking Access Synchronize the account data to Data Intelligence for starting analysis Execute a Check to get the result immediately