MOVIS is a visual modelling tool in Excel and Visio for configuration in areas such as regulation, product, sales and service configuration. The tool is a new standard to tailor the bank's credit products to specific needs, making it easy to bid on and deliver customized products and services.

MOVIS allows simple specification and visualization of complex relations.

For example, the component pieces of the credit regulations can be specified in tables and drawings. The program code is then automatically generated into easy-to-use rules, an option from which several of our customers greatly benefit.

Business regulations

• Credit rules
• Decision levels

Differentiation of price/interest

• Option to offer different rates interest to different customers. Individualized interest rates possible.

Offer management

• Option to offer a lower amount, a longer amortization period, or a higher interest rate, rather than rejecting an application
• Option to link offerings for insurance or other products to the lending product for which the customer has applied
• Option to vary offering by region

Product configuration

Implementation of scorecard - Customer profitability

• Option to produce customer values for different customers