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KreditCheck Use Cases

Introduction

The KreditCheck provides an overview of the customers financial situation, inlcuding income, cost of living, possible risks and much more.

Information you can get from this report:

  • What expenses does the customer have?

  • How much income does the customer have?

  • What are the risks in relation to the customer?

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

Banks

UC-01: Checking the creditworthiness and default risk of the customer

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

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