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DAC4Loan B2C 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?

  • Is the customer gambling?

  • Is the customer in contact with debt collection or seizure?

  • How much is the spending and income of the customer?

  • How much money does the customer expense for rent and living?

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

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