Discover the Advantage of AFS

See the Revolutionary Difference of AFSVision

In AFSVision, AFS covers the holistic ecosystem of the end-to-end credit and lending chain.


AFSVision is a unique, revolutionary achievement in credit and lending processing, having all the key elements you’d expect in a best-of-breed solution. 

AFS combines technological innovation with financial expertise to drive strategic transformation of credit and lending across all lines of business on a single integrated platform. From local to global institutions, AFS partner banks depend on our:

• Complete lending and credit lifecycle management from origination through decisioning, closing, booking, servicing, recovery, reporting, and syndications (learn more) 
• Real-time, single system, straight-through processing platform with multibank, multilingual, multicurrency capabilities (learn more) 
• Unsurpassed record in reliable execution, flexible implementation, and scalable project management (learn more) 
• Dedication to innovation and market leadership that allows us to stay ahead of changing market and regulatory demands (learn more) 
• Recruiting, employing and retaining the industry’s premiere assembly of financial services and technology experts in credit and lending (learn more) 
• Our long-standing client relationships and Client Engagement initiatives (learn more) 

Key Elements of a Credit and Lending Solution​ 

Reap the Real-World Benefits of AFSVision

With over a 40-year history creating economic value through the use of its credit and lending applications, the real-world benefits have been quantified and measured in the following areas.

Efficiency
Banks that have implemented AFSVision realized a 4.8% improvement in their efficiency ratio (expense to income).
 

 

Revenue
Banks that have implemented AFSVision realized an average 5% increase in revenues (interest and fees) and a 8% reduction in non-interest (operating) expenses in areas enterprise-wide:

• Revenue/growth/scalability gains through lead agent, new products, complex structure, foreign currency and rate option loan functionality as well as reduction in leakage from improved fee processing capabilities, expanded charge codes, and real-time, digital and mobile capabilities
• Opportunity/client experience improvement through digitalization, OLB integration, less data entry, auto fee assessment, significant reduction in attrition losses, significantly faster close and fund times
• Process improvements that lead to staff reduction/redeployment/avoidance via the end-to-end system that eliminates manual work arounds and poor data quality remediation while providing system/process consolidation
• Risk mitigation through 24/7 and real-time access to actionable information—AFSVision provides one source consolidated information and expanded regulatory and portfolio reporting
• Redeploy additional profits as capital as earning assets

Reduction in Cost
One AFSVision bank documented:

• A 30% reduction in cost per loan and operating costs
• A reduction in days to close and fund a commercial credit by 25 days (a 4% spread equates to €2,8 million for each €1 billion in loans)

Contact us and find out how AFS can help your bank achieve its growth and profitability goals.