We understand home loan and savings banks
Horn & Company is your partner for strategic issues in the building society and lending business, for operational excellence and digital transformation.
Increasing earnings through tailored advice for home loan and savings banks
Building societies are confronted with a wide range of challenges:
- Changing customer needs and behavior
- Digital sales channels and processes in the B2B and B2C sectors
- Growing regulatory requirements
- Integration of ESG/sustainability into the business model, risk management and reporting
- Efficient standardization and automation of processes
- Utilization of AI potentials
- Optimization of refinancing
- Demographic change and skills shortage
In all of this, the focus is on sustainable further development, digital transformation and strengthening competitiveness - available investment funds must be allocated sensibly for this purpose. We have contributed our industry experience and in-depth expertise to numerous projects, found answers to these challenges and successfully implemented them with our clients.
We advise and support our building societies in ...
- ... sustainably increasing and stabilizing earnings
- ... healthy growth in the (extra-)collective lending business
- ... strategic further development of the sales network and channels
- ... sustainable increase in sales performance
- ... cost reduction programs
- ... the transformation to customer-centric, agile organizations
- ... the design of modern, efficient processes
- ... process automation (e.g. RPA, IDP, AI solutions)
- ... AI-supported modeling of credit risks
Discuss the future of your building society with our experts and let us actively shape it together. We look forward to exciting discussions about your challenges and visions!
Our services for home loan and savings banks
We support you in strategy development, digital transformation, the expansion of excellence in sales and back office processes as well as in questions relating to regulatory challenges and risk management.
technology &
transformation
Experience with Horn & Company how you can turn your ideas and goals into measurable transformation successes with the use of technology.
Experience our Competence
Artificial Intelligence & data
From new use cases and AI operating models to ethical considerations: Horn & Company shows you how to use AI effectively and impactfully to generate added value and transform your business model for the long term.
Experience our competenceOur experts for home loan and savings banks
An eye for what is feasible: In addition to the specialist, market and industry knowledge of our experts, our clients appreciate our pragmatic approach on the way to customized and innovative solutions. Feel free to contact us!
Automation of the credit business
The automation of processes in the credit business is a particularly topical issue. First movers are already realizing advantages through the automation of credit processes, such as
- financing commitments in the first contact (time-to-yes),
- considerably shorter processing times for applications (time-to-money),
- efficiencies through the automation of administrative activities,
- independence from fluctuating incoming orders thanks to scalability and increasing profitability
The integration of new technologies such as artificial intelligence and machine learning accelerates the exploitation of this potential and provides first movers with additional competitive advantages.
Sustainability: a strategic cross-cutting issue
Home loan and savings banks face the challenge of fulfilling ESG reporting obligations and integrating ESG risks into their management and reporting processes.
In addition, comprehensive service and product offerings are required to drive forward the climate transition in the residential building sector - for example by offering energy-efficient modernization or promoting ecological and energy-efficient construction and living.
The complex regulatory environment poses a considerable hurdle for the transformation within a company.