Our “end-2-end” software derives out of one cast, covering all areas of daily processing. This can be combined and integrated with existing or other software systems. It also offers interfaces to third-party providers or to standard providers in the areas of data collecting, credit bureaus, decision systems, archive systems, BPO providers and corporate accounting.
Our main modules are catergorised into:
In the following, we discuss our end-2-end process in the complete performance chain:
We know you and many other companies in the industry. Our expertise offers you the possibilty to think outside the box using our standard components across areas.
With these we provide:
The front office is our quotation system, which can be used by the end customer, dealer or sales employee. Single or multiple objects can be configured and calculated. The offers then include the financing part, insurance rates or full-service components, depending on the module.
All calculations are based on our powerful calculation kernel, which provides all parameters in a structured format within the tables. Every conceivable calculation variant. Thus, all parameters can be administered, easily exported and imported via Excel.
The outcome is a request that is processed in the next step. Offers can be created on a smartphone/ tablet device and then processed further on a PC/laptop. This takes place across the platforms.
The middle office handles the application processing - provisioning the necessary documents, records, identification and signatures.
All necessary information is obtained via interfaces in order to carry out a comprehensive credit check. Information based on customer history can be retreived e. g. dunning, and existing customer profiles allow to access details of past experiences and possible liabilities.
Using the 'digital account' view, automisation of the collection of data can be implemented for the expenditure account. Own or external scorecards can be used.
The decision process can take place automatically or partially automatically. In the post application process, all final checks take place after the decision has been carried out, in order to initiate the contract status.
The administration of contracts starts with carrying out plausibility checks that are necessary for activation and disbursement. These processes are fully automated and only exceptional cases must be looked at by a member of staff.
The disembursment can be automatically proposed by the system, and checked through our payment cockpit and approved in accordance to the four-eyes principle.
The contracts will automatically go through their respective lifecycle, as per their contract structure. Invoices and postings will be automatically created for accounting purposes.
In case of any changes or disruptions during the contract period, processes are in place, which will automatically or semi-automatically carry out checks via our Business Process Engine (BPE).
At the end of the contract term, termination or other processes such as follow-ups take place in the form of contract extentions, marketing purposes and claims settlement.
The accounting module is a standard program developed by our in-house programmers including a PS880 certificate and completes the system in a practical way.
Within this module, bookings and invoices are generated automatically from the contract management system and are posted into the accounts 'in real time'. The postings are prepared simultaneously according to all tax and commercial law regulations with regards to the balance sheet according to SR, HGB, IFRS, US-GAAP and are prepared for group balance sheets.
Through interfaces, bookings from external systems (e.g. personnel bookings) can be imported. Via booking dialogs non-automated receipts and bookings are recorded.
Next to current totals and account balances, the focus is on income statements (P&L) and balance sheets.
The connection to group accounting is carried out through a condensed export of the balances to downstream systems.
Controlling compliments our other modules with evaluation and planning, which are transferred from the operating to the dispositive system.
The basis is the controlling data warehouse, in which the operative data is stored in time slices.
Based on this data, historical and future cash flows (risk, liquidity, model book) are generated, which provide the basis for controlling.
In this module the regulatory requirements are covered from simple controlling to complete bank management (capital planning, ALM, risk-bearing capacity and IRRBB).
C.I.C. Software GmbH belongs to one the leading software and service providers for leasing and financial institutions.
Our software solutions are implemented and operated in all German-speaking countries (DACH) as well as other European countries. Our respective customers are of different sizes and focus. Each using and operating their central IT and Business Processes with our software solution.