Financing Platform
Embedded banking combined with a strong instant lending process for digital platforms
Bandwidth of financing solutions
enables users to select from different lending options, all out of one hand
Technology
Insights
Digital lending drives commerce
The boom of digital channels has increased the demand for embedded payment and financing options. Digital financing is in many cases the missing link for the online sales of high value goods. But one financing option is not enough to support all use cases of a diverse portal.
ndgit‘s Digital Financing Platform connects digital players with lending banks to deliver instant loan processes with a variety of loan and rate products and it establishes a unique end-to-end customer journey.
Our solution
ndgit offers digital players and banks a flexible platform to implement instant financing processes for car loans, consumer loans, leasing, rate payments or mortgages. It comes with the preintegrated modules of eight market-leading fintechs (e.g. account analytics, risk scoring, digital signatures) for an optimized customer experience.
Digital platforms can benefit from the aggregation of more than ten banks, each with strong expertise in its product and market segment. The flexible integration can easily be done via APIs or widgets and results in fast implementations of individual processes within weeks. Strong platform capabilities enable the management and analytics of the processes and partners.
Rely on our strong expertise and experience from reference implementations at Autoscout 24, mobile.de, Münchner Hypothekenbank and others.
Smooth User Journey
Conversion optimized collection of all relevant data for credit decisioning like profiles or object-related data e.g. for car loans, mortgages etc.
Performant pre-calculation
Loan calculator flexibly adaptable to the bank’s financing products with rich calculation options of conditions, rates and repayment plans.
PSD2-based Accounts Analytics and Scoring
Leading XS2A engines in Europe combined with income and expense analytics and credit scoring for instant decisioning.
KYC and eSign
Fast and convenient digital signatures and video identification with different partners for legally fully compliant contracts.
Flexible UI integration
Fully digital customer journeys are easy to integrate with Open APIs or a light-weight widget integration.
Lending APIs
Strong developer experience with standardized Open APIs to connect with fintech and bank services.
Partner ecosystem
Access to 20 pre-integrated lending banks and best-of-breed fintech modules.
Reporting
Key metrics with in-depth analytics of user behavior, approval and signing rates and overall financing volumes.
ndgit financing platform for car market places
Flexible lending solution for consumers and dealers of car market places. End-to-end process with up to ten pre-integrated banks. Car loans, balloon loans or leasing as embedded financing options. Easy to integrate in portals and backends with widgets and APIs.
mobile.de together with ndgit implemented a loan process on its online marketplace, resulting in an optimal customer experience.
“ndgit is our strategic partner. We are able to use their platform to help shape our banking processes and connect with product and innovation partners quickly and easily.”
Thomas Lindner, Head of Financing Germany
mobile.de
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I would like more information about Digital Lending.