Our Solution:
Dealing with complex, recurring tasks in different systems on a daily basis is time-consuming and error-prone. Intelligent technical support enables you to work more efficiently and effectively. By combining artificial intelligence and robotic process automation, our range of solutions offers the opportunity to shorten, simplify and link work sequences. This makes your day-to-day work easier.
Your ponturo benefits:
- Customized development according to our customers’ requirements
- Connection to various systems and any data sources possible
- Avoidance of data leaks through local installation (prevention of GDPR and EU AI Act violations)
- Innovative linkage of AI and RPA
Your ponturo contact:
Franziska Bülck
Innovation Specialist, Innovation Lab
Our Solution:
Our application ensures that an individualized credit offer for new customers can be created in the shortest possible time based on data from the inventory management systems (e.g. SAP CML). Individual conditions are determined based on the risk profile of the respective customer. It is also possible to provide information on the default risk of the respective exposure as part of the offer preparation process, thereby reducing the risk for the issuing bank. Our application is based on a machine learning-supported method. This enables continuous, automated optimization of individualized offer preparation based on an expanding database.
Your ponturo benefits:
- Risk reduction through ML-based evaluation of new businesses
- Increased profitability of the loan portfolio by determining the loan conditions according to the individual risk profile
- Quick preparation of loan offers by eliminating manual processing
- Continuous optimization of terms and conditions through machine learning-based methods
Your ponturo contact:
Amin Ali
Innovation Specialist, Innovation Lab
Robotic Process Automation
Increase data quality through automated plausibility checks and verification procedures
Our Solution:
Using Robotic Process Automation, we developed an application that checks the quality of input data for accounting before further processing. The RPA bots automatically analyze the consistency of the market and master data provided by source systems, ensuring that no errors occur due to incorrect input data within the downstream processing via accounting solutions (e.g. SAP Classic AFI or SAP FPSL).
Your ponturo benefits:
- Significant time savings through automated processes
- Error identification and data quality assurance of input data for accounting purposes
- Avoidance of complex errors during processing
- Easy transferability to other tests via sequence-based coding
Your ponturo contact:
Matthias Stengel
Innovation Specialist, Innovation Lab
Optical Character Recognition
Automate document processing within the credit process
Our Solution:
The credit process - especially the application process - requires a large number of documents that are often not available in digitalised form. The information they contain must then be manually entered into existing processes for further processing. This is time-consuming and prone to errors during data processing.
With the help of AI-based Optical Character Recognition (OCR) technology, we have created an application that makes it possible to read documents in various formats, contextualize the information they contain and transfer the data to downstream target systems. By using OCR and other machine learning models, no manual intervention is required to process, evaluate, and analyse the documents, which can significantly speed up the credit process.
Your ponturo benefits:
- Processing of all documents using OCR in seconds
- No more manual intervention required to process, evaluate, and analyze documents
- Continuous optimization process through machine learning-based methods
Your ponturo contact:
Matthias Hunold
Innovation Specialist, Innovation Lab
Blockchain
Accelerate the payout of syndicated loans
Our Solution:
To finance large-scale projects, a syndicate of several banks can be formed to provide a syndicated loan to jointly provide the financing amount. As several parties are involved in the credit process, transparency, fast handling of payment processes, and secure communication between syndicate members and the syndicate leader must be guaranteed. Our solution overcomes this challenge with the help of S/4 HANA Banking for Complex Loans and by using blockchain technology, which enables fast and transparent processing as well as secure communication between syndicate members and the syndicate leader.
Your ponturo benefits:
- Better financial flexibility for customers thanks to same-day, immediate payouts
- Decentralized, secure communications between syndicate members and syndicate leader
Your ponturo contact:
Felix Kreuziger
Department Head, Innovation Lab
Discover Technologies
We promote the regular exchange of knowledge on innovative technologies.
Through technology scanning and constant monitoring of current market trends, our Innovation Lab continuously builds knowledge and in-depth know-how. This expertise is passed on to our Competence Centers throughout the company by means of internal workshops and prepared information material to promote joint exchange. Furthermore, we are in close dialogue with SAP, SAP Fioneer and our customers to discuss current developments, trends, and innovation endeavors.
Reveal Innovation Potential
We analyze established business processes with regard to their innovation potential.
Our customers face the challenge of dynamically aligning their processes with market developments and positioning themselves competitively. With our accumulated know-how of the latest technological developments in the market, we can reveal the innovation potential for our customers. We offer a comprehensive ponturo Digitalization Check, in which we analyze our customers’ business processes and IT infrastructure to ensure their future viability.
Your ponturo contact:
Felix Kreuziger
Department Head, Innovation Lab
Build Prototypes & Implement Solutions
We create solutions in collaboration with our customers.
We develop new innovative approaches to solutions, which we usually realize in the form of prototypes. These are functional applications based on blockchain technology, robotic process automation or machine learning algorithms, among others. Our focus in every development lies on the actual added value for our customers an the concrete feasibility. We then integrate the individual solutions into our customers’ regular operations.
Your ponturo benefits:
- Pooling of innovative expertise
- Creation of future-oriented business processes
- Agile development of solutions in cooperation with the customer
- Support of implemented solutions with in-depth know-how