# Banqsoft | Enabling financial innovation > Banqsoft is a leading provider of financial software solutions in the Nordics. We offer a wide range of software solutions for asset finance companies, digital banks and credit management providers - all in one platform. Learn about our software products ## Pages - [Banqsoft | Enabling financial innovation](https://www.banqsoft.com/): Banqsoft is a leading provider of financial software solutions in the Nordics. We offer a wide range of software solutions for asset finance companies, digital banks and credit management providers - all in one platform. Learn about our software products - [About Us](https://www.banqsoft.com/about-banqsoft): Learn about Banqsoft, a leading provider of financial software, supporting debt collection, digital banking services, and asset finance solutions. - [About Us](https://www.banqsoft.com/about-banqsoft/about-us): Learn about Banqsoft, a leading financial services software provider offering solutions for credit management, digital banking and asset finance companies. - [Management Team](https://www.banqsoft.com/about-banqsoft/management-team): We are proud to represent over 30 years of company leadership with highly skilled experts in the banking and finance industries. - [Partners](https://www.banqsoft.com/about-banqsoft/partners-and-associates): Our partners reflect our ambition to deliver the highest possible quality to our customers, in the most efficient and user-friendly way. Banqsoft offers a technological advantage based on our state of the art platform, in combination with integrated services achieved through a long partnership with leading brands in the industry. Our partners reflect our ambition to deliver the highest possible quality to our customers, in the most efficient and user-friendly way. - [Sustainability and Compliance](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance): Banqsoft operates with zero tolerance towards corruption, bribery and facilitation payments and is part of the KMD Group Anti-corruption program. - [Banqsoft's certifications](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/certifications): Banqsoft holds several certifications, continuously measured by independent certification authorities who have the responsibility to identify and point out any deviation from the applicable standards: ISO/IEC 27001:2023 | ISAE 3402 | ISO 14001 - [Environment and Climate](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/environment-and-climate): Every day, Banqsoft strives to reduce its energy consumption used in its IT services. Read more about our processes for that here. - [Business Ethics – ensuring high ethical standards](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/business-ethics): As a responsible IT company, Banqsoft is committed to ensuring high ethical standards throughout our business, working together with our suppliers on sustainability. - [Strong Data Protection and Ethics](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/data-protection-ethics): As a data processor Banqsoft has a responsibility to protect personal data. Read more about our processes in place for that here. - [Our People](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/our-people): In Banqsoft we focus on and have policies for diversity and inclusion in the workplace. Read more about those here. - [Corporate Social Responsibility](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/corporate-social-responsibility): In our work with corporate social responsibility, we are very aware of both the opportunities and challenges of IT, and we have therefore chosen to focus on both. - [Whistleblower Arrangement](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/whistleblower-arrangement): The whistleblower arrangement allows Banqsoft employees and external parties to report on non-compliance with internal policies and applicable laws and regulations. - [GDPR](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/privacy-statement): Effective May 28, 2018, the EU has stated firmer regulations regarding the rights of data subjects. Learn about Banqsoft's compliance with GDPR here. - [Supporting the Transparency Act](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/the-transparency-act): The Act requires businesses to carry out due diligence assessments, implement measures and report on the results and follow-up of work and compliance related to both human rights and working conditions. Banqsoft fully supports the law, the purpose behind it, the processes, measures and controls it requires. In Banqsoft we are working with these important aspects of business through Banqsoft procurement and sourcing process, supplier management, risk assessments etc. - [Banqsoft License Agreement Foqus Finance 2024](https://www.banqsoft.com/about-banqsoft/sustainability-and-compliance/foqus-finance-license-agreement): This document describes the Software License Terms for the Foqus Finance solution: Licensing and delivery, Intellectual Property Rights, Warranty, Confidentiality, Pricing and payment, Infringement of third party Intellectual Property Rights, Breach of contract, Maintenance and support, Termination and Choice of law and dispute resolution - [Solutions](https://www.banqsoft.com/products-and-services): Learn about our comprehensive financial solutions for asset finance companies, digital banks and credit management providers - all in one platform. - [Asset Financing](https://www.banqsoft.com/products-and-services/asset-finance): Complete Contract Management Software for Leasing and Loan Enterprises. Automated Solutions for Automotive Leasing, Equipment Leasing, Loans, Fleet Finance and Floor Planning. - [Car Loans](https://www.banqsoft.com/products-and-services/asset-finance/car-loans): Complete Lifecycle Financing System for Loans. Origination Processes, End-to-End Financing Solutions Supporting Gas Cards, AML, Hire Purchase and More. - [Leasing](https://www.banqsoft.com/products-and-services/asset-finance/leasing): Fully Digitized Leasing Software. Supports Operational and Equipment Leasing, Hire Purchase, Rentals, Big and Small Ticket Leasing and More. - [Floor Planning](https://www.banqsoft.com/products-and-services/asset-finance/floor-planning): Floor Planning Solutions. Increase Your Business Volume, Improve Your Profit Margins and Enhance Dealer Relations with Floor Planning from Banqsoft. - [Fleet Financing](https://www.banqsoft.com/products-and-services/asset-finance/fleet-financing): Efficient Management of Fleet Contracts. Design Your Fleet Business Based on the Fleet Size, Strategy, Partners, Channels, Best Practice and Statistics. - [Foqus Finance](https://www.banqsoft.com/products-and-services/asset-finance/foqus-finance): Contract Management System for Small to Medium Leasing and Loan Enterprises. Foqus Finance Meets the Needs of Your Finance Operation. Automated Workflows. International version. - [Enable a Fully Digital Banking Experience](https://www.banqsoft.com/products-and-services/digital-banking): Leading Core Banking Software System. Fully Automated Solutions to Digitize Your Business. Enable a Fully Digital Banking Experience. Curious? Let's Talk. - [Deposits & Savings](https://www.banqsoft.com/products-and-services/digital-banking/deposits-and-savings): Automated Banking Solutions for Deposits and Savings Accounts. Complete Consumer Banking Account Software. Curious? Let's talk. Digital Banking Software. - [Loans & Credits](https://www.banqsoft.com/products-and-services/digital-banking/loans-and-credits): Complete Account Lifecycle Financing. Banqsoft Core Banking System Digitizes Loan Processes from Mortgage Loans to Consumer Loans and Revolving Credits. - [Cards](https://www.banqsoft.com/products-and-services/digital-banking/cards): Fully Digitized Payment Solutions. Banqsoft Core Banking Solutions Support Credit & Debit Cards, Mobile Wallets, Prepaid Cards, Virtual Cards and More. - [Sales Finance](https://www.banqsoft.com/products-and-services/digital-banking/sales-finance): Take advantage of new business opportunities with profitable software that can proliferate your financing services into new channels. Banqsoft enables easy management of “Buy Now – Pay Later” purchase programs. Learn more. - [Credit Management - Debt Collection Software and Legder Solution](https://www.banqsoft.com/products-and-services/credit-management): Credit Management solutions and debt collection software end-to-end solutions - [Banqsoft Ledger - software for true digital invoice and ledger services](https://www.banqsoft.com/products-and-services/credit-management/ledger-and-invoice-solutions): Banqsoft Ledger is a solution for producing and following up invoices, both in terms of administration and accounting. It can import orders or invoices and automatically follow up the credit on behalf of creditors, whether they are external clients or the agency itself. - [Banqsoft Collect – Debt Collection Software](https://www.banqsoft.com/products-and-services/credit-management/debt-collection-software): Highly advanced, automated and efficient debt collection software for third-party or in-house collection - [Local authority solutions](https://www.banqsoft.com/products-and-services/credit-management/local-authority-solutions): Banqsoft Procasso and Banqsoft Collect SE are 100% cloud based collection software solutions developed especially for Norwegian and Swedish public services. The systems are easy to use and is highly automated. This gives a streamlined and effective system for collecting municipal taxes and debt. - [Local authority solutions NO](https://www.banqsoft.com/products-and-services/credit-management/local-authority-solutions/local-authority-solutions-no): Banqsoft Procasso and Banqsoft Collect SE are 100% cloud based collection software solutions developed especially for Norwegian and Swedish public services. The systems are easy to use and is highly automated. This gives a streamlined and effective system for collecting municipal taxes and debt. - [Molnbaserat system för egeninkasso](https://www.banqsoft.com/products-and-services/credit-management/local-authority-solutions/egeninkasso-system-med-banqsoft-collect): Funktionsrikt inkassoprogram för egeninkasso annpassat till den svenska marknaden. Credit management mjukvara till låg kostnad. - [Classic debt collection software for profitable credit management](https://www.banqsoft.com/products-and-services/credit-management/classic-debt-collection-tools-for-inhouse-and-3rd-party-services): Over 30 years of excellence in making credit management software for in-house and third party debt collection. Learn more here. - [InkassoNET mjukvara för egeninkasso | Banqsoft](https://www.banqsoft.com/products-and-services/credit-management/classic-debt-collection-tools-for-inhouse-and-3rd-party-services/inkassonet): Funktionsrikt inkassoprogram för egeninkasso annpassat till den svenska marknaden. Credit management software till låg kostnad. - [InkassoNET mjukvara för egeninkasso | Banqsoft](https://www.banqsoft.com/products-and-services/credit-management/classic-debt-collection-tools-for-inhouse-and-3rd-party-services/in-house-collection-for-swedish-market): Funktionsrikt inkassoprogram för egeninkasso annpassat till den svenska marknaden. Credit management software till låg kostnad. - [Add-on Services in our software suites](https://www.banqsoft.com/products-and-services/add-on-services): In addition to a comprehensive suite of financial solutions, we offer a wide range of add-on services within our state-of-the-art software suites. Banqsoft's add-on services can complete your portfolio and offering to your markets. - [Banqsoft Payment Service](https://www.banqsoft.com/products-and-services/add-on-services/banqsoft-payment-service): Banqsoft keeps you ahead. Our payments platform is continuously evolving to meet new regulations and market dynamics, ensuring your payments operation remains rock-solid and ready for growth. - [Business Analytics](https://www.banqsoft.com/products-and-services/add-on-services/business-analytics): Take advantage of structured data, automation and machine learning to decrease manual work, make better decisions and reduce risks. - [IntelliView](https://www.banqsoft.com/products-and-services/add-on-services/business-analytics/intelliview): Make your first step towards self-service reporting and access data anywhere and at any time. Learn more here. - [LiveView: Bridge the gap between data and reporting](https://www.banqsoft.com/products-and-services/add-on-services/business-analytics/liveview): Banqsoft's interface for reporting and analytical tools: Intuitive reporting tools to scale your business. Learn about Banqsoft's add-on integration layer for data and reporting here. - [Insight for Credit Management](https://www.banqsoft.com/products-and-services/add-on-services/business-analytics/insight): Leveraging Insight's comprehensive analytical and reporting tools, you can maximize your portfolio's capacity, make informed choices based on data, and refine your operational procedures and decisions. Processed information also empowers collection teams to gain insights that enhance and differentiate their actions. Visualized data from Banqsoft’s Insight solutions assists you in identifying correlations, assessing outcomes, and predicting future trends. Your essential performance indicators are defined, and progress is tracked. - [Consulting Services](https://www.banqsoft.com/products-and-services/add-on-services/consulting-services): Maximize your business development and deliver a best of breed solution. We'll help to ensure you can meet your business needs - delivered with high quality, at the right time, and at the agreed cost. - [Digital Information & Archive](https://www.banqsoft.com/products-and-services/add-on-services/digital-information-and-archive): Digital transformation makes it critical to rethink and design all customer communication, to provide better customer experiences and to turn your communication into a differentiator. - [Operational Services](https://www.banqsoft.com/products-and-services/add-on-services/operational-services): Banqsoft offers multiple service levels and delivery models, from license-only to support & maintenance, application operation, hosting and more. - [Support Services](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/support-services): Banqsoft’s Support Services are staffed to respond to any incoming customer inquiries, requests and potential need for trouble shooting. - [Service Management](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/service-management): Our Service Management establishes upgrade plans, getting access to knowledge and resources for evolving their products and services. - [Maintenance Services](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/maintenance-services): Our highly skilled team of software developers work with test and release management, to make sure that upgraded software meets customer requirements. - [Release Management](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/release-management): Our Release Management services give our customers minimal disturbances from upgrade activities, allowing them to focus on their business. - [Application Operation Services](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/application-operation-services): Our experts assist with optimizing job scheduling, establish a high-level of automation, monitoring and running all daily operational tasks and more. - [Hosting Services](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/hosting-services): Through professional partners, Banqsoft offers extending the operational services to include hosting and is the single point of contact for all tasks. - [Business Process Outsourcing](https://www.banqsoft.com/products-and-services/add-on-services/operational-services/business-process-outsourcing): In addition to our ASP delivery model, Banqsoft offers tailor-made BPO services to fit your business needs. - [UX & Self-service](https://www.banqsoft.com/products-and-services/add-on-services/ux-and-self-service): Banqsoft delivers great customer experience and fully digitalized lifecycle processes in the self-service channels. Learn more here. - [Integrations for Collect and Procasso 10](https://www.banqsoft.com/products-and-services/add-on-services/integrations-credit-management): Banqsoft's integration capabilities for Collect and Procasso 10 offers a wide range of functionalities that create business opportunities for the debt collection industry. Banqsoft has a strong position as a leading provider of credit management solutions, creating significant business value to inhouse and third party collectors, as well as for public, inhouse collection. - [Document Production and Distribution - Credit Management](https://www.banqsoft.com/products-and-services/add-on-services/document-production-and-distribution-credit-management): Banqsoft offers with Omnichannel a fully automated distribution to various channels at competitive terms. The solution is fully integrated into the core systems and allows you to select the print channel that is most efficient for your collection. - [Self Service Solutions for Debt Collection](https://www.banqsoft.com/products-and-services/add-on-services/self-service-credit-management): Offering self service to your customers and the debtors is absolutely essential in today’s market and culture. In international markets the extent of self service is different from country to country, so Bansoft offers many ways for participation and operations for the creditor, the creditor’s customer or the debtor. - [Self Service speeds up payment and improves efficiency in the debt collection](https://www.banqsoft.com/products-and-services/add-on-services/self-service-credit-management/online-office): Giving your client – the debt owner – online access to the debt collection solution is highly beneficial, not only for the client, but also for the collector and the debtor. It is building trust, reducing the administrative burden, bettering the communication and providing convenience. And at the end of the day, it can improve payment and settlement of accounts. - [My Page](https://www.banqsoft.com/products-and-services/add-on-services/self-service-credit-management/my-page) - [Product and solution sheets](https://www.banqsoft.com/products-and-services/product-sheets): A selection of products and solutions from Banqsoft's portfolio - [Product sheets localised](https://www.banqsoft.com/products-and-services/product-sheets-localised) - [Connect Integrasjon for Visma Enterprise](https://www.banqsoft.com/products-and-services/product-sheets-localised/connect-integrasjon-for-visma-enterprise_no): Effektiviser arbeidsflyten med Procasso 10: ​ En sømløs integrasjon som kobler Visma Enterprise med moderne innfordringsprosesser tilpasset norske kommuner.​ - [Compliance rapportpakke for Predator (all in one)](https://www.banqsoft.com/products-and-services/product-sheets-localised/compliance-rapportpakke-for-predator-all-in-one): Gjennom denne rapportpakken vil du daglig ha full oversikt over potensielle compliance brudd på alle saker. Rapportpakken består av en bakgrunnsjobb som kan kjøres flere ganger om dagen, og en rapport som viser alle hendelser som bakgrunnsjobben identifiserte som mulige brudd, eller mulige fremtidige brudd på compliance reglene. - [Product sheets AF](https://www.banqsoft.com/products-and-services/product-sheets-af): This is a parent page for the Asset Finance product sheets pages - [Anti Money-Laundry](https://www.banqsoft.com/products-and-services/product-sheets-af/anti-money-laundry): The Anti Money-Laundry module is a embedded within Banqsoft's offerings. Empowering compliance through automation and intelligence. - [Auto Finance](https://www.banqsoft.com/products-and-services/product-sheets-af/auto-finance) - [Automatic De-register of Collaterals (Salgspant)](https://www.banqsoft.com/products-and-services/product-sheets-af/automatic-de-register-of-collaterals): Manual deregistration of collaterals has in the past been a slow and prone to error manual task. Banqsoft offers a solution which automates the entire flow, ensuring collaterals are released quickly and accurately. Your customers benefit from a faster service, whilst your organization benefits from freeing up time previously spent on a manual task. - [Beneficial owner microservice – Compliance made simple](https://www.banqsoft.com/products-and-services/product-sheets-af/beneficial-owner-microservice): As a financial institution, the obligation to maintain ‘Know Your Customer’ data can be a difficult and labour-intensive task. Yet its importance cannot be understated, with the data being essential to the decision-making process for which potential customers you provide services to. The Beneficial Owner microservice has been created to help address this issue. Partnering with Roaring.io, the service will automatically update beneficial owner data in CoreView as soon as it has been made available by the local authorities, ensuring that you have the most up-to-date information possible. By automating this otherwise labour-intensive process, you will be releasing your resources to instead focus on your core business activities. - [CoreView NG – the next generation](https://www.banqsoft.com/products-and-services/product-sheets-af/coreview-ng): CoreVew Next Generation (NG) is a web-based backend client which is replacing a windows client. CoreView NG is cloud native and utilizes modern technology relying on Microsoft standards. CoreView NG offers a modern and efficient workspace with strong automation capabilities and integration points. Updated with the latest technological advancements, NG offers high performance combined with suppport for a wide range of business processes. The new design enables users to complete tasks faster and with less effort. Dynamic data representation for improved decision making. - [Customer Laundry Microservice](https://www.banqsoft.com/products-and-services/product-sheets-af/customer-laundry-microservice): As a financial institution, the obligation to maintain ‘Know Your Customer’ data can be a difficult and labour-intensive task. Yet its importance cannot be understated, with the data being essential to the decision-making process for which potential customers you provide services to. - [D&B Plugin](https://www.banqsoft.com/products-and-services/product-sheets-af/db-plugin): Banqsoft’s D&B Plugin streamlines onboarding and credit processes with trusted data, automated AML/KYC compliance, scoring, and faster decisions for B2B and B2C customers. - [Dealer reporting](https://www.banqsoft.com/products-and-services/product-sheets-af/dealer-reporting): An embedded business intelligence platform, for reporting and strategic decision making. - [Deposit (AF)](https://www.banqsoft.com/products-and-services/product-sheets-af/deposits-and-savings-af): Deposits & Savings from Banqsoft includes a wide range of features, interest types and capitalization frequencies that makes it easy to build different market products to specific customer segments.​ - [ESG reporting](https://www.banqsoft.com/products-and-services/product-sheets-af/esg-report): Efficiently and simply track your portfolio's harmful emissions with Banqsoft's ESG reports. - [Extra instalment handling for loans with balloon payment](https://www.banqsoft.com/products-and-services/product-sheets-af/extra-installment-handling-for-loans-with-balloon-payment): The functionality related to extra instalment on contracts with balloon have been extended. The new option, “RV, Mature date” makes it a two-stage rocket, which first reduces the balloon upon extra instalments, and when the balloon including regular payment is 0 or less, it recalculates the mature date. The payment amount for the end customer will remain the same. ​ - [Fleet Finance](https://www.banqsoft.com/products-and-services/product-sheets-af/fleet-finance): Bring your fleet solutions seamlessly to the market using Banqsoft's fleet module, which can handle several offerings. Our associated integration layer enables tailor-made access for dealers and drivers along with a self-service fleet manager portal.​ - [Fleet Reporting](https://www.banqsoft.com/products-and-services/product-sheets-af/fleet-reporting): Banqsoft's Fleet Reporting platform is an embedded business intelligence platform. This is a reporting solution designed for simplicity. - [Floor planning](https://www.banqsoft.com/products-and-services/product-sheets-af/floor-planning): Floor planning can be an extremely beneficial business​ strategy for automotive dealers.​ Increase your business volume, improve your profit margins and enhance dealer relations and loyalty with floor planning from Banqsoft.​ - [Foqus Finance contract management system](https://www.banqsoft.com/products-and-services/product-sheets-af/foqus-finance): With Foqus Finance contract management system – an asset finance industry solution – you get a solution that gives real time insights with the flow of business and optimize performance using easy to create workflow and task guidance. The solution is built on top of the latest Microsoft technology. With Microsoft Dynamics 365 Business Central as the base of your solution, you are always updated with the latest functionalities. - [Fractional VAT handling for Zero Emission Vehicles](https://www.banqsoft.com/products-and-services/product-sheets-af/fractional-vat-handling-for-zero-emission-vehicles): Banqsoft offers fractional VAT handling to support markets in which VAT-rates are used as policy instruments to facilitate green investments.​ With fractional VAT handling, you can package a single lease contract with objects using different in and outgoing VAT rates. ​ - [Integration layer – Asset Finance](https://www.banqsoft.com/products-and-services/product-sheets-af/integration-layer-asset-finance): Openness and connectivity to systems outside the Banqsoft sphere is an important part of our solutions. Within our asset finance solution, the integration layer ensures exchange of data to fulfill your main needs for information exchange in and out of the Asset Finance and Digital Banking software suites. - [Motor Insurance](https://www.banqsoft.com/products-and-services/product-sheets-af/insurance-bundle): Robust and flexible support for managing motor insurance products, designed to meet the evolving needs of finance companies and insurers. Our solutions provides the tools to automate and streamline processes with precision and transparency. - [IntelliView:​​ Self Service Business Intelligence Platform​​](https://www.banqsoft.com/products-and-services/product-sheets-af/intelliview-self-service-business-intelligence-platform): Make your first step towards self-service reporting and access data anywhere and at any time - with Banqsoft's modern business intelligence platform, IntelliView.​ - [Leasing software solution](https://www.banqsoft.com/products-and-services/product-sheets-af/leasing-software): Leasing from Banqsoft covers operating and financial leasing or hybrids to both corporates and consumers. The solution supports areas such as hire purchase, rental, auto leasing, equipment leasing, big and small ticket leasing.​ - [LiveView IL: Interface to reporting & analytics​](https://www.banqsoft.com/products-and-services/product-sheets-af/liveview-il-interface-to-reporting-analytics): Bridge the gap between data and reporting with Banqsoft's interface for reporting and analytical tools, LiveView. Add-on integration to CoreView and the PreView module.​ - [Nordea Corporate Access](https://www.banqsoft.com/products-and-services/product-sheets-af/nordea-corporate-access): Coreview is now supporting the ISO20022 based corporate access format which includes handling of secure envelope on outgoing and incoming payment files.   Starting from 2024, banks may introduce changes every quarter in clearing formats based on the ISO20022 standard.  - [Reconciliation reporting](https://www.banqsoft.com/products-and-services/product-sheets-af/reconciliation-reporting): Experience the future of reconciliation with cost-effective and swift implementation. The Reconciliation module offers an immediate, cost-effective solution that generates reports through advanced calculations and data analysis, enabling quick and efficient identification of accounting and billing anomalies. - [Securitization](https://www.banqsoft.com/products-and-services/product-sheets-af/securitization): Our Securitization system enables you to act as originator and pool your assets for issuers of tradable securities. The securitization programs and portfolio organizations are launched inside our backend will enable allocation and de-allocation of contracts along the securitization timeline. - [Stock Factoring](https://www.banqsoft.com/products-and-services/product-sheets-af/stock-factoring): Banqsoft’s Stock Factoring solution accelerates cash flow for automotive networks by financing inventory at import, automating invoice lifecycles, and streamlining payments between importer, finance company, and dealers. Built for scale and control, it reduces risk, improves working capital, and delivers faster time-to-value with configurable programs and seamless transition to wholesale financing. - [Vehicle data Service](https://www.banqsoft.com/products-and-services/product-sheets-af/vehicle-data-service): Banqsoft’s Vehicle Data Service is transforming how automotive finance companies manage leased fleets. Get real-time insights into mileage, usage, and more, directly from connected cars. This powerful solution helps you optimize pricing, predict maintenance, and gain unparalleled control over your assets. - [VAT Refund – Residual Value Model](https://www.banqsoft.com/products-and-services/product-sheets-af/vat-refund-residual-value-model): Banqsoft introduces an enhanced VAT refund calculation model that deducts VAT refund amounts from residual values rather than treating them as periodic expenses, providing more competitive lease offerings on the Norwegian market. - [Product sheets CM](https://www.banqsoft.com/products-and-services/product-sheets-cm): This is a parent page for the Credit Management product sheets pages - [Banqsoft Connect: Credit Management Suite Integrations](https://www.banqsoft.com/products-and-services/product-sheets-cm/connect-integrations-credit-management-suite): Banqsoft's integration capabilities for Collect and Procasso 10 are a significant strength, offering a wide range of functionalities that create numerous business opportunities for the debt collection industry. With our integration capabilities, Banqsoft has a strong position as a leading provider of credit management solutions, creating significant business value to inhouse and third party collectors, as well as for public, inhouse collection. - [Connect Integrasjon for Visma Enterprise](https://www.banqsoft.com/products-and-services/product-sheets-cm/connect-integration-for-visma-enterprise_en): Effektiviser arbeidsflyten med Procasso 10: ​ En sømløs integrasjon som kobler Visma Enterprise med moderne innfordringsprosesser tilpasset norske kommuner.​ - [Debt Collection - Banqsoft Collect](https://www.banqsoft.com/products-and-services/product-sheets-cm/debt-collection-banqsoft-collect): The Collect app is a native cloud solution to support the collection of credit defaults, including the support of the legal process. The SaaS (software as a service) solution includes additional support for efficient handling of the debt collection process, both amicable and legal. - [Document Manager](https://www.banqsoft.com/products-and-services/product-sheets-cm/document-manager): Document Manager simplifies document handling for businesses, ensuring smoother workflows. For IT, it offers easy integration with minimal maintenance. Caseworkers benefit from straightforward tools to manage and link documents to cases, improving efficiency without adding complexity. - [Insight – Business analytics and reporting](https://www.banqsoft.com/products-and-services/product-sheets-cm/insight-business-analytics-and-reporting): With Insight's robust analytics and reporting capabilities, you can unlock the full potential of your portfolio, make data-driven decisions, and optimize your business operations for enhanced performance and growth.​ - [Ledger, invoice services, finance and factoring software](https://www.banqsoft.com/products-and-services/product-sheets-cm/ledger-invoice-services-finance-and-factoring-software): With Banqsoft Ledger you can handle the invoicing and the pre-collection phase of credit management in a flexible, automated and efficient way. The solution is designed for agencies providing third-party ledger and financing services to clients, but is equally suitable for in-house invoice administration. Banqsoft Ledger is a stand-alone product utilizing common services in the Banqsoft Credit Management Suite, and can be integrated seamlessly with Banqsoft Collect for a complete credit management lifecycle.​ - [My Page: Self service portals for debitors​​](https://www.banqsoft.com/products-and-services/product-sheets-cm/my-page-self-service-portals-for-debtors): ​Banqsoft My Page self service portal for debtors can significantly enhance the debtor's experience, improve payment rates, and lead to more pleasant relationships between debtors and collection agencies. It is convenient, secure and improves the communication between you and the debtor, utilizing real-time data. - [My Page Open Banking Solution – Neonomics](https://www.banqsoft.com/products-and-services/product-sheets-cm/mypage-open-banking-solution-neonomics): ​Banqsoft My Page self service portal for debtors can significantly enhance the debtor's experience, improve payment rates, and lead to more pleasant relationships between debtors and collection agencies. It is convenient, secure and improves the communication between you and the debtor, utilizing real-time data. - [Online Office: Self service portals for creditors​​](https://www.banqsoft.com/products-and-services/product-sheets-cm/online-office-self-service-portal-for-creditors): Giving your client – the debt owner – online access to the debt collection solution is highly benefitial, not only for the client, but also for the collector and the debtor. It is building trust, reducing the administrative burden, bettering the communication and providing convenience. And at the end of the day, it can improve payment and settlement of accounts.​ - [Banqsoft Partner Portal](https://www.banqsoft.com/products-and-services/product-sheets-cm/partner-portal): Banqsoft Partner Portal provides resources to start creating your own integrations with the Banqsoft Credit Management software suite.​ - [Compliance Report Package for Predator](https://www.banqsoft.com/products-and-services/product-sheets-cm/compliance-report-package-for-predator-all-in-one): Through this report package, you will have a daily overview of potential compliance violations on all cases. The report package consists of a background job that can be run several times a day, and a report that shows all events that the background job identified as possible violations, or possible future violations of compliance rules. - [Product sheets DB](https://www.banqsoft.com/products-and-services/product-sheets-db): This is a parent page for the Digital Banking product sheets pages - [Anti Money-Laundry](https://www.banqsoft.com/products-and-services/product-sheets-db/anti-money-laundry): The Anti Money-Laundry module is a embedded within Banqsoft's offerings. Empowering compliance through automation and intelligence. - [Beneficial owner microservice – Compliance made simple](https://www.banqsoft.com/products-and-services/product-sheets-db/beneficial-owner-microservice): As a financial institution, the obligation to maintain ‘Know Your Customer’ data can be a difficult and labour-intensive task. Yet its importance cannot be understated, with the data being essential to the decision-making process for which potential customers you provide services to. The Beneficial Owner microservice has been created to help address this issue. Partnering with Roaring.io, the service will automatically update beneficial owner data in CoreView as soon as it has been made available by the local authorities, ensuring that you have the most up-to-date information possible. By automating this otherwise labour-intensive process, you will be releasing your resources to instead focus on your core business activities. - [Cards](https://www.banqsoft.com/products-and-services/product-sheets-db/cards): Card Management Module from Banqsoft supports the complete lifecycle of card issuing related to credit cards, debit cards, prepaid cards, virtual cards, wallets, as well as micro savings or donations to charity. - [Customer Laundry Microservice](https://www.banqsoft.com/products-and-services/product-sheets-db/customer-laundry-microservice): As a financial institution, the obligation to maintain ‘Know Your Customer’ data can be a difficult and labour-intensive task. Yet its importance cannot be understated, with the data being essential to the decision-making process for which potential customers you provide services to. - [Deposits & Savings](https://www.banqsoft.com/products-and-services/product-sheets-db/deposits-savings): Deposits & Savings from Banqsoft includes both current accounts and savings accounts. A wide range of features, interest types and capitalization frequencies make it easy to build different market products to specific customer segments.​ - [Integration layer – Digital Banking](https://www.banqsoft.com/products-and-services/product-sheets-db/integration-layer-digital-banking): With changing end-customer behavior and an increasing need to interact with third party systems to create innovating banking products, connectivity outside the Banqsoft sphere is an important part of our solutions. Within our digital banking solution, the integration layer ensures exchange of data to fulfill your main needs for information exchange in and out of the Asset Finance and Digital Banking software suites. - [LiveView IL: Interface to reporting & analytics​](https://www.banqsoft.com/products-and-services/product-sheets-db/liveview-il-interface-to-reporting-analytics): Bridge the gap between data and reporting with Banqsoft's interface for reporting and analytical tools, LiveView. Add-on integration to CoreView and the PreView module.​ - [Loans & Credits](https://www.banqsoft.com/products-and-services/product-sheets-db/loans): Loans & Credits from Banqsoft includes multiple lending products, interest types and capitalization frequencies, which makes it easy to meet different customers' needs for financing.​ - [Mortgages](https://www.banqsoft.com/products-and-services/product-sheets-db/mortgages): The Mortgage module from Banqsoft supports the lifecycle of modern Mortgage operations from customer onboarding in direct and indirect channels and service integrations, through a fully automated production process. ​ - [Payment Service](https://www.banqsoft.com/products-and-services/product-sheets-db/banqsoft-payment-service): The financial industry is continuously evolving through new international and local payment services, compliance regulations and more. Banqsoft Payment Service takes the complexity out of today’s modern payment processing. Learn more about the solution here. - [Reconciliation reporting](https://www.banqsoft.com/products-and-services/product-sheets-db/reconciliation-reporting): Experience the future of reconciliation with cost-effective and swift implementation. The Reconciliation module offers an immediate, cost-effective solution that generates reports through advanced calculations and data analysis, enabling quick and efficient identification of accounting and billing anomalies. - [Customers](https://www.banqsoft.com/customers): We always strive to offer our customers great service and the advantage of the latest proven technologies available in the market. - [Financial Industry Giant Nordea Finance Upgrades IT Infrastructure with Banqsoft Solution](https://www.banqsoft.com/customers/banqsoft-delivers-it-platform-to-nordea-finance): Banqoft will implement IT solutions to support the Consumer Finance activity in Nordea Finance. - [Banqsoft's Vehicle Finance solution to LocalTapiola up and running in just Four Months](https://www.banqsoft.com/customers/localtapiola): The IT team from LocalTapiola Finance worked closely with Banqsoft to get the solution up and running in just under four months, implementing modules for handling credit applications, daily transactions, reporting and stock financing. - [Great Efficiency Gain for Klare Inkasso: 34% of Manual Labor Saved with Automation solution](https://www.banqsoft.com/customers/klare-finans-collectionbot-feature): Debt collectors Klare Inkasso frees up capacity to handle growth. Reduced manual processing of cases by as much as 34%, which amounts to two years of manual labor (two full time equivalents, FTE) saved. Now, they handle an annual growth close to 10% without problems. - [Global Financing for Sandvik Credit Group](https://www.banqsoft.com/customers/sandvik): Sandvik Customer Finance aims to be a flexible finance company who emphasis productivity, innovation and efficiency. With Banqsoft on board, they live up to their targets, and have deployed our modern and flexible back-office system on four continents. - [Instabank sets new standard for rapid establishment and nordic growth](https://www.banqsoft.com/customers/instabank-sets-new-standard-for-rapid-establishment-and-growth): From the start of the project to opening the bank it took only half a year - it is a new record and a milestone in Norwegian fintech history. - [Instabank Expands Product Suite with Banqsoft](https://www.banqsoft.com/customers/instabank-expands-product-suite): Mortgage credits will be one of the central deliveries from Banqsoft in 2020 to support the bank’s ambition and strategic platform. - [Banqsoft to Implement Solutions for Asset Finance in Volkswagen Semler Finans Denmark](https://www.banqsoft.com/customers/vw-semler-denmark): The delivery will be based on the Asset Finance software suite and support a wide range of financial products to support VW Semler Finans growth initiatives in Denmark. - [VW Semler Finans DK Goes Live with Full-Stack Asset Finance delivery](https://www.banqsoft.com/customers/vw-semler-dk-case-study): With Banqsoft on board, Volkswagen Semler Finans Denmark advances towards becoming Denmark's leading digital finance company by offering a full stack suite of digital financial products for its customers. - [Text Messaging for Debt Collection in Ringerike Municipality: SMS is a Great Efficiency Contribution!](https://www.banqsoft.com/customers/ringerike-municipality-sms): Ringerike municipality sees great results in the debt collection activities by using text messaging to and from debtors. Read more here. - [Kristiansund Municipality](https://www.banqsoft.com/customers/kristiansund-municipality): Norway's Kristiansund Municipality are making ground-breaking digitizations, backed by solutions from Banqsoft Credit Management. Learn about the municipality's journey from manual to digitized processes. - [Våler municipality: First out upgrading to cloud-based debt collection](https://www.banqsoft.com/customers/vaaler-municipality): Våler municipality upgrading to cloud-based debt collection with Banqsoft Procasso. Banqsoft Procasso is the parallell to Banqsoft Collect. Våler municipality is now in full production with the 100% cloud based credit management software Procasso 10 - [Vaaler kommune – først ut til å migrere til Procasso 10](https://www.banqsoft.com/customers/vaaler-municipality-no): Innkrevingen i skyen er nå godt i gang i Våler kommune i Østfold. Innfordringsansvarlig, Runar Holter-Belgen, uttrykker stor tilfredshet med overgangen til Procasso 10. Kanskje enda mer fornøyd er IT-avdelingen. Runar og hans team slipper nå å bekymre seg for oppgraderinger, som skjer fortløpende. - [Insights & Company News](https://www.banqsoft.com/news-and-insights): News and Insights from Banqsoft - [A Greener Tomorrow: Banqsoft achieves ISO 14001 certification](https://www.banqsoft.com/news-and-insights/a-greener-tomorrow-banqsoft-achieves-iso-14001-certification): Banqsoft reinforces its commitment to environmental responsilbility and sustainability by achieving ISO 14001 certification, building upon existing ISO 27001 and ISAE 3402 credentials. - [Banqsoft innovates with responsible Ai-driven product development](https://www.banqsoft.com/news-and-insights/ai-driven-product-development): The integration of Artificial Intelligence at Banqsoft enables developers and users to accomplish tasks through natural language commands. Our responsible approach enhances productivity while maintaining strict data security and control. - [Asset finance giant in Poland powers 18 years of business with Banqsoft](https://www.banqsoft.com/news-and-insights/asset-finance-giant-in-poland-powers-18-years-of-business-with-banqsoft): Since 2008, one of Poland’s leading and most diversified leasing providers has relied on the Banqsoft Asset Finance Suite. The platform's inherent flexibility has been vital in supporting a vast portfolio ranging from vehicles and industrial machinery to IT equipment and energy installations. Poland is currently Europe’s most dynamic leasing hub, ranking fifth in total volume. Leasing accounts for 44% of local investment in movable assets—the continent's highest share. With the regional market growing over 10% in 2024, Banqsoft’s long-term partnership continues to empower its client to scale efficiently within this rapidly expanding financial landscape. - [Banqsoft brings a fresh approach to banking](https://www.banqsoft.com/news-and-insights/banqsoft-brings-a-fresh-approach-to-core-banking): Banqsoft’s digital banking platform supports everything a modern financial institution needs: savings, unsecured and secured loans, mortgages, credit cards (including installment options and interest-free periods), sales financing (i.e. buy now, pay later), shopping accounts, tranche solutions, invoicing and more. - [Banqsoft acquired by KMD](https://www.banqsoft.com/news-and-insights/banqsoft-acquired-by-kmd): Banqsoft has been acquired by Denmark’s largest IT company KMD, providing ideal conditions for Banqsoft’s further market penetration in Scandinavia. KMD takes over Banqsoft’s portfolio of products, customers and partners. - [Banqsoft at FinDig 2019](https://www.banqsoft.com/news-and-insights/banqsoft-at-findig-2019): Banqsoft exhibits at FinDig 2019, leading fintech digitization conference in Norway - [Banqsoft welcomes Camilla Sorknes as leader for Digital Banking and Credit Management](https://www.banqsoft.com/news-and-insights/banqsoft-welcomes-camilla-sorknes) - [Banqsoft at the Norwegian Innovation Day 2019](https://www.banqsoft.com/news-and-insights/banqsoft-at-the-norwegian-innovation-day-2019): For the tenth time, the Norwegian Innovation Day 2019 brought together innovators, entrepreneurs and leaders for professional refills and inspiration. Learn more here. - [Banqsoft launches Open banking platform](https://www.banqsoft.com/news-and-insights/banqsoft-launches-open-banking-platform) - [Banqsoft Acquires Concent AS to Expand and Broaden its Market Position](https://www.banqsoft.com/news-and-insights/banqsoft-acquires-concent): Banqsoft acquires Norwegian software company Concent. The strategic acquisition is part of an international growth strategy supported by Banqsoft’s owner, Danish IT group KMD. - [Banqsoft Acquires Foqus Finance](https://www.banqsoft.com/news-and-insights/banqsoft-acquires-foqus-finance): Banqsoft has acquired part of the Danish software company E Foqus, specifically the activities and assets related to the Foqus Finance product. - [Banqsoft Strengthens European Presence](https://www.banqsoft.com/news-and-insights/banqsoft-joins-german-leasing-association): The new membership will strengthen Banqsoft's European presence as a leading software provider within the leasing and automotive industry in Germany. - [Banqsoft Joins Leaseurope as its Latest Associate Member](https://www.banqsoft.com/news-and-insights/banqsoft-joins-leaseurope-associate-member): The new membership will assist in further internationalising Banqsoft's brand awareness throughout the European Leasing and Automotive industry. - [BMW Financial Services chooses Banqsoft for modernisation](https://www.banqsoft.com/news-and-insights/bmw-financial-services-chooses-banqsoft): BMW Financial Services has partnered with Banqsoft to modernise its asset financing operations across Denmark, Norway and Sweden. The new platform automates key workflows across the contract lifecycle – from dealer onboarding to real-time credit decisions – replacing a fragmented setup that had become difficult to maintain. - [Banqsoft Denmark Announces New Location in Frederiksberg](https://www.banqsoft.com/news-and-insights/bqs-denmark-relocation): Banqsoft Denmark begins a new chapter in the relocation from Lyngby to Frederiksberg - [Scrive joins forces with Banqsoft](https://www.banqsoft.com/news-and-insights/bqs-partners-with-scrive-article-page) - [Banqsoft Signs New Partnership with Neonomics](https://www.banqsoft.com/news-and-insights/bqs-partners-with-neonomics): The new partnership with Neonomics will expand payments and data enhancement offerings through open banking. Learn more. - [Camilla Sorknes: – We’re Built for Speed and Innovation](https://www.banqsoft.com/news-and-insights/camilla-sorknes-we-re-built-for-speed-and-innovation): With over two decades of experience in FinTech leadership, Camilla Sorknes, Director of Banking & Credit Services at Banqsoft, is on a mission to challenge the status quo in Nordic banking. Joining Banqsoft in 2023, Camilla’s vision is clear: to drive innovation and modernization in an industry poised for disruption. Under her leadership, Banqsoft is well-positioned to redefine banking software, offering agile, cost-effective solutions that cater to both traditional and modern banking needs. - [Streamlining Development: How a Traditional Software House Adopted CI/CD](https://www.banqsoft.com/news-and-insights/ci-cd-in-a-traditional-software-house): Learn about Banqsoft's Continuous Integration and Continuous Delivery (CI/CD) framework within its financial software suite for Digital Banking and Asset Finance. - [Your software roadmap to circular vehicle financing](https://www.banqsoft.com/news-and-insights/circular-vehicle-financing): Several factors are driving new circular models in vehicle financing: increased focus on sustainability and lifetime asset value, as well as emerging mobility trends and the rapid adoption of EVs. Banqsoft’s Head of Products Asset Finance Christian Lärka explains how our company’s software helps you manage the transition. - [Circular vehicle financing: your 5-step guide to getting started](https://www.banqsoft.com/news-and-insights/circular-vehicle-finance-5-step-guide): Multi-cycle leasing preserves asset value while supporting sustainability goals. We look at the steps financing companies can take to get started with this increasingly popular model. - [Banqsoft Announces Launch of New Business Line in Credit Management and Continues to Invest in Developing Cutting Edge Solutions](https://www.banqsoft.com/news-and-insights/concent-becomes-banqsoft-credit-management): Banqsoft today announced the launch of their newly integrated business line within credit management and debt collection. - [Digital Banking solutions](https://www.banqsoft.com/news-and-insights/cph-fintech-feature-story-digital-banking) - [Why accurate financed-emissions data is good for business](https://www.banqsoft.com/news-and-insights/csrd-why-accurate-financed-emissions-data-is-good-for-business): Financing companies need to accurately report the emissions of the assets they finance. But how can this compliance requirement also be turned into a business competitive advantage? Banqsoft has the answer. - [More Companies are Digitizing in Banking & Finance](https://www.banqsoft.com/news-and-insights/dagens-industri-feature): Our financial industries are entering a new phase of digitization - with the Nordics taking the lead. Read a feature from Dagens industri highlighting some key insight from Banqsoft's CEO Terje Kjøs, and Sales Director of the Nordics Tobias Wikström. - [Distributed architecture: Banqsoft’s green and cost-effective cloud strategy](https://www.banqsoft.com/news-and-insights/distributed-architecture-banqsoft-s-green-and-cost-effective-cloud-strategy): By spreading workloads across multiple cloud servers, Banqsoft enables sustainable business practises that reduce our customers’ carbon emissions while maintaining cost efficiency. We look at this distributed-architecture approach. - [Banqsoft Vehicle Data Service: Turning ESG reporting into long-term competitive advantage](https://www.banqsoft.com/news-and-insights/esg-reporting-for-vehicle-fleets-wly-2026): Banqsoft Vehicle Data Service simplifies fleet management by consolidating vehicle registry details, telematics, and key metrics directly into each contract. By centralizing this data, we provide a structured approach to financed-emissions reporting, ensuring greater consistency for finance providers and their stakeholders. With Banqsoft's solutions, you can move beyond the complexities of ESG data collection and turn your reporting requirements into a clear, strategic advantage. - [Foqus Finance: The global contract-management solution with the tailored local approach](https://www.banqsoft.com/news-and-insights/foqus-finance-11-international-version): Foqus Finance is the global contract management solution with the tailored local approach - [Foqus Finance in changing environments](https://www.banqsoft.com/news-and-insights/foqus-finance-in-changing-environments): Learn about Foqus Finance contract solutions for our Asset Finance services - [Foqus Finance is available on Microsoft AppSource](https://www.banqsoft.com/news-and-insights/foqus-finance-is-available-on-microsoft-appsource): We are excited to announce that Foqus Finance is now listed on Microsoft AppSource starting with the latest ServicePack release (v. 12.1). This provides new features and improved accessibility for our SMB contract management solution for asset finance. - [Banqsoft introduces Event Engine module to automate debt collection processes](https://www.banqsoft.com/news-and-insights/event-engine-module-for-credit-management-automation): Event Engine can handle a wide range of data sources, including external registries, postal services and credit rating agencies. The module integrates seamlessly with the Banqsoft Collect core platform, the Credit Management Suite. To help debt collectors navigate challenges, Banqsoft has developed Event Engine – a powerful automation tool designed to streamline debt collection processes. - [GDPR & Banqsoft’s Privacy Statement](https://www.banqsoft.com/news-and-insights/gdpr-banqsofts-privacy-statement): Your privacy is very important to us. Banqsoft only process personal data for the purposes that are related to our services. - [ Banqsoft's ISO 14001 certification - and other's - honoured by the Mayor of Oslo](https://www.banqsoft.com/news-and-insights/iso-14001-certification-honoured-by-the-mayor-of-oslo): The Mayor of Oslo and Oslo municipality's environmental department has hosted and honoured 35 Oslo based companies - and among them Banqsoft - for an award ceremony for new environmental diplomas. - [Looking Beyond the Storm - A Letter from Banqsoft CEO Terje Kjøs](https://www.banqsoft.com/news-and-insights/looking-beyond-the-storm-letter-from-terje): The Coronavirus (COVID-19) has changed everything about life and work as we know it. Read a letter from our CEO Terje Kjøs about how digitization will help keep us moving forward - even in remote situations. - [Banqsoft and Mastercard Partnering for Card Solutions](https://www.banqsoft.com/news-and-insights/mastercard-partnership-with-banqsoft): Banqsoft and Mastercard have officially joined forces in a strategic partnership to deliver a comprehensive end-to-end card solution, powered by Mastercard Processing. This collaboration underscores both companies' commitment to addressing critical consumer and business needs by bringing innovative financial solutions to the market. This partnership is set to change how businesses and consumers interact with card services, offering seamless, efficient, and secure transactions. By leveraging Mastercard's robust processing capabilities, Banqsoft will enhance its offerings, providing a more integrated and powerful solution for its clients. - [Meeting C-level Management Expectations on Implementation Timelines](https://www.banqsoft.com/news-and-insights/meeting-implementation-timelines-and-tco): Banqsoft's Director of Asset Finance Per Högberg reflects on best practice for ensuring expected implementation timelines and controlled TCO. - [Banqsoft API Developers: Meet Them On Their Doorstep](https://www.banqsoft.com/news-and-insights/meet-our-api-developers): API Developers reaching Milestones for Banqsoft's Procasso Debt Collection solution and its municipal customers. Read on to learn more. - [DevOps Payment Team Develop Solutions for Cloud-Native Payment Processing](https://www.banqsoft.com/news-and-insights/meet-our-team-devops-payments): Banqsoft’s DevOps Payments team designs new solutions for cloud native payment processing. Read on to learn more. - [From Professional Skiing to a Career in Fintech: Meet Mari Eide](https://www.banqsoft.com/news-and-insights/meet-our-team-mari-eide): Mari Eide, Legacy World Champion ski medalist and now Business Consultant in Banqsoft, shares her strategy on solving challenges, what it takes to make a successful team and how working agile can be a key to success. - [Microsoft is showcasing Banqsoft](https://www.banqsoft.com/news-and-insights/microsoft-customer-story-on-banqsoft-database-expertise) - [Motor Finance Conference 2018](https://www.banqsoft.com/news-and-insights/motor-finance-conference-2018): Banqsoft attended the 4th annual Motor Finance Conference in Berlin. - [Is your automotive finance IT landscape and organization ready to capitalize on opportunities ahead?](https://www.banqsoft.com/news-and-insights/optimizing-automotive-it-landscapes): Is the experience of your customers up to par with the best in class? Hear from Banqsoft's Director of Asset Finance on auto financial services readiness for change. - [Nordax Bank and Banqsoft signs agreement for a new core banking solution](https://www.banqsoft.com/news-and-insights/nordax-bank-and-banqsoft-signs-agreement): With the New Core Banking Solution in Place, Nordax Bank’s Banking Platform Will Be Modernized By Replacing The Existing Solution. Learn More Here. - [Partnerships Are Key to Staying Top of Class in an Increasingly Complex Technological World](https://www.banqsoft.com/news-and-insights/partnerships-are-key-to-staying-top-of-class): Through partnerships, Banqsoft is able to provide the customers with the best solutions - and thus creating customer value while staying on top of technological development. - [Peter demos AI use to do bank transactions with speech](https://www.banqsoft.com/news-and-insights/peter-salomonsen-on-ai-talking-to-a-core-banking-system): Demo of a small core banking system on a blockchain. Enterprise Architect Peter Salomonsen from Banqsoft shows how to use Ai to talk to an online banking application, where a smart contract on a blockchain did all the transactions. Ensuring security, because blockchain enables "User owned Ai", fully auditable. - [PKO Leasing leads Poland's asset financing market, powered by Banqsoft since 2008](https://www.banqsoft.com/news-and-insights/pko-leasing-powered-by-banqsoft-in-poland): PKO Leasing has built one of Poland’s largest and most diversified asset finance portfolios. Banqsoft Asset Finance Suite has been central to that evolution, since 2008. Poland has emerged as one of Europe’s most dynamic leasing markets. It ranks 5th by total volume, with leasing accounting for 44% of local companies’ spending on movable fixed assets – the highest share in Europe. Leasing in Central and Eastern Europe recorded growth of more than 10% in 2024, making it the fastest-growing leasing market on the continent. (Source: Poland Insight, October 2025). - [From WIRON to POLSTR: how Banqsoft’s resilient system design pays off in Poland](https://www.banqsoft.com/news-and-insights/polstr-interest-rate-article): Poland changes from WIRON to POLSTR for its long-term reference rate. Banqsoft’s has proved with its platform that regulatory change can be managed through configuration rather than redevelopment. - [Retail Banking: Why Specialization Demands Experimentation](https://www.banqsoft.com/news-and-insights/retail-banking-why-specialization-demands-experimentation): Specializing in niche banking services can be risky. This is why successful niche banks use systems that make it easy to experiment with different products. - [The Rise in Leasing Amidst Market Turmoil?](https://www.banqsoft.com/news-and-insights/the-rise-in-leasing-amidst-market-turmoil): It is without question that the novel Coronavirus has shaken our economies to the core. In this article we are looking into how this may affect the auto financing industry where the future might look brighter than expected for those who can offer what the consumers prefer. - [Banqsoft aiming to launch new SaaS solution in 2021 – Meet us at Singapore Fintech Festival!](https://www.banqsoft.com/news-and-insights/singapore-fintech-2020): Banqsoft, one of the leading providers of financial software solutions in the Nordics, will together with NEC present their planned new strategic SaaS offering at this year’s Singapore Fintech Festival! - [Stay ahead of ISO 20022 with Banqsoft Payment Service](https://www.banqsoft.com/news-and-insights/stay-ahead-of-iso-20022-with-banqsoft-payment-service): By developing Banqsoft Payment Service as a standalone solution, we can easily make software updates as the ISO 20022 standard evolves. This way we aid our payments customers to always be compliant. The ongoing adoption of ISO 20022 as a global standard for payments is driven by the need for more consistent and transparent transaction data. Better interoperability between banking systems is also pushing market participants towards the standard. - [SME lending is a growing opportunity. But it requires the right banking platform. ](https://www.banqsoft.com/news-and-insights/sme-lending): As conditions in consumer finance become more challenging, banks across Europe are turning to SME lending. The opportunity is real, but the operational complexity is often underestimated. Margins have tightened, competition has increased, while regulations has led to less unsecured credit. Capital requirements have chaged too. The result is a shift in interest towards an underserved area where banks believe sustainable profitability can be found: Small and Medium Enterprise (SME) lending. - [New banking rules push Sweden’s loan brokers to upgrade their systems](https://www.banqsoft.com/news-and-insights/swedish-loan-brokers-must-upgrade-systems-to-obtain-authorization): Proposed legislation will require companies that broker consumer loans in Sweden to obtain authorization under the Swedish Banking and Financing Business Act. In practice, this means brokers will need to operate under a banking license. The proposed regulation will completely transform requirements, so system capabilities are now in the spotlight. - [Swiss Lease Association membership for Banqsoft approved](https://www.banqsoft.com/news-and-insights/swiss-lease-association-membership-for-banqsoft-approved): Banqsoft had the pleasure to participate in the General Assembly Meeting in Swiss Lease Association (Schweizerischer Leasingverband SLV). And our application for membership was approved. - [Tailwinds Bring Strong International Expansion for Banqsoft](https://www.banqsoft.com/news-and-insights/tailwinds-bring-strong-international-expansion): Banqsoft, a leader in financial software solutions based in the Nordics, continues to increase its international footprint with exciting new customer implementations in Europe. - [Peter keeps his tech eyes on the horizon](https://www.banqsoft.com/news-and-insights/technology-qa-with-enterprise-architect-peter-salomonsen): Every tech company needs someone with eyes on the horizon. At Banqsoft this is Peter Salomonsen. He explains how green IT and generative AI are making our clients’ business more efficient. - [Why Norway’s banking exodus hurts our tech sector too](https://www.banqsoft.com/news-and-insights/terje-kjoes-on-norwegian-banks-and-market-conditions): More and more banks are moving their headquarters out of Norway, often to Sweden or Finland. The reason is that Norwegian banks are required to hold more capital than banks in these other countries. Norway’s capital requirements make it harder for banks to compete on equal terms across borders - [Q&A with Banqsoft CEO: “We’ve had 13 years of double-digit growth” ](https://www.banqsoft.com/news-and-insights/terje-kjoes-qa-summer-2025): Q&A with Terje Kjøs, CEO of Banqsoft: From its Norwegian roots, Banqsoft has evolved into an international software company with users in more than 30 countries. CEO Terje Kjøs shares his view on what’s driving the company’s continued momentum. - [Banqsoft delivers ISO 20022 payments upgrade for TF Bank in Norway](https://www.banqsoft.com/news-and-insights/tf-bank-on-iso-20022-upgrade-for-payments): Norway's transition to an updated payments standard necessitated a system upgrade for TF Bank, a process facilitated by Banqsoft. The project successfully broadened the scope of the Banqsoft Payment Service, advancing the platform's goal of offering full payments coverage in the Nordic countries. Building on the successful BITS project, Banqsoft is also extending its payments service with messaging for TF Bank’s incoming payments on consumer loans in Norway, utilizing a nationally adopted ISO20022-format. - [Trusted technology: Banqsoft’s vital role in Norway’s welfare transactions](https://www.banqsoft.com/news-and-insights/trusted-technology-by-tax-authorities-in-norway): For almost 20 years Banqsoft has been developing and maintaining two of Norway’s key systems for managing welfare payments. - [ViewPoint 2021](https://www.banqsoft.com/news-and-insights/viewpoint-2021): ViewPoint 2021. Banqsoft was joined by 165+ customers to vcommence its annual user conference, ViewPoint, on November 15th. Read about the conference here. - [ViewPoint 2022](https://www.banqsoft.com/news-and-insights/viewpoint-2022): ViewPoint 2021. Banqsoft was joined by 165+ customers to vcommence its annual user conference, ViewPoint, on November 15th. Read about the conference here. - [ViewPoint 2023: Highlights & Key Takeaways](https://www.banqsoft.com/news-and-insights/viewpoint-2023): Banqsoft's ViewPoint conference gathered financial services leaders from the Nordics and around the globe at Hotel At Six in Stockholm on November 9th and 10th. - [ViewPoint 2024: A Recap](https://www.banqsoft.com/news-and-insights/viewpoint-2024): Our attendees tells us that ViewPoint 2024 in Oslo was a great event for our customers in the financial industry, offering a deep dive into the latest trends, challenges, and opportunities. - [ Visma Amili Norway is migrating its debt collection to Banqsoft’s platform](https://www.banqsoft.com/news-and-insights/visma-amili-norway-chose-banqsoft): Visma Group company Visma Amili Norway is migrating its debt collection to Banqsoft’s platform. The subsidiary’s CEO Lene Myklebust explains what drove the decision and why the partnership is thriving. - [Wasa Kredit modernizes with asset-financing solution from Banqsoft](https://www.banqsoft.com/news-and-insights/wasa-kredit-modernises-with-af-solution) - [Wasa Kredit and Banqsoft Sign Agreement for a New Core System for Asset Finance](https://www.banqsoft.com/news-and-insights/wasa-kredit-press-release-bqs): Wasa Kredit and Banqsoft have signed an agreement on a new core system for Asset Finance. Read more here. - [Banqsoft Featured in World Leasing Yearbook 2021](https://www.banqsoft.com/news-and-insights/wly2021): Catch up on the latest trends and insights from World Leasing Yearbook 2021 edition, featuring an extended article on the acceleration of leasing in a post-pandemic market from Banqsoft's CEO Terje Kjøs. - [IntelliView: Real-Time Analytics Put Vehicle Financing in the Fast Lane](https://www.banqsoft.com/news-and-insights/wlr-2023-realtime-analytics-put-vehicle-financing-in-the-fast-lane): Learn about real-time analytics for vehicle financing with our Asset Finance services - [Banqsoft feature article in World Leasing Yearbook](https://www.banqsoft.com/news-and-insights/wly-2023-article-pdf-link): Banqsoft's Director of Asset Finance elaborates on the importance of harmonizing your IT landscape across markets - [Celebrating International Women's Day - Meet our #WomeninTech](https://www.banqsoft.com/news-and-insights/women-in-tech): Celebrating International Women's Day - Meet our #WomeninTech - [Whitepaper: Seven Drivers for selecting Debt Collection Software](https://www.banqsoft.com/news-and-insights/whitepaper-seven-drivers-for-selecting-debt-collection-software): Our insights and findings after three decades of developing debt collection software have enabled us to develop tomorrow’s solutions for secure and efficient credit management. In this paper, we present what we believe to be the key drivers for tomorrow’s credit management solutions, summarized in seven key drivers.  - [Working in the Forefront of Digital Banking Automation](https://www.banqsoft.com/news-and-insights/working-in-the-forefront-of-digital-banking-automation): Automation and digitization have long been on the forefront in the world of banking in the Nordics. Read more for insights from the frontline. - [What's Next for Leasing and Equipment Finance? A Market Recap.](https://www.banqsoft.com/news-and-insights/world-leasing-review-spring-2021): Leasing and Equipment Finance market reports generally positive, but dynamic outlook ahead as Covid-19 took the world by storm from the first quarter in 2020. Read more here. - [Leasing on the Move](https://www.banqsoft.com/news-and-insights/world-leasing-review-spring-2019): World leasing review spring 2019 refers to a generally positive outlook for the global leasing business for the first half of 2019 - [Wasa Kredit Sign Agreement for a New Core System for Asset Finance](https://www.banqsoft.com/news-and-insights/wasa-kredit-press-release): Wasa Kredit and Banqsoft have signed an agreement on a new core system for Asset Finance. - [Banqsoft features in World Leasing Yearbook 2025](https://www.banqsoft.com/news-and-insights/world-leasing-yearbook-2025): Banqsoft is a trusted intelligence resource for leasing and asset finance professionals. The 2025 edition of World Leasing Yearbook is out, and Banqsoft provides a "software roadmap to circular vehicle financing". This is a great guide on how to implement software to handle circular economy needs in your business model. - [Poland's new WIRON interbank lending rate smoothly adapted in Banqsoft's solutions](https://www.banqsoft.com/news-and-insights/wiron-interest-rate-reform-coreview): The arrival of WIRON – Poland’s new interbank lending rate – is pushing vehicle-finance companies to modernize their systems. One of the country’s largest banks kicks off the transition within its vehicle-financing division, leveraging Banqsoft’s Asset Finance software suite in a project that has set the benchmark for the entire sector. - [Nową polską stawkę międzybankową WIRON płynnie zaadaptowano w rozwiązaniach Banqsoft.](https://www.banqsoft.com/news-and-insights/wiron-banqsoft-wspiera-reforme-stop-w-finansowaniu-aut): Wprowadzenie WIRON – nowej stawki referencyjnej dla pożyczek międzybankowych w Polsce skłania firmy zajmujące się finansowaniem pojazdów do modernizacji swoich systemów. Jeden z największych banków w kraju rozpoczął proces przejścia w swojej jednostce odpowiedzialnej za finansowanie pojazdów, wykorzystując pakiet oprogramowania Asset Finance od Banqsoft w projekcie, który wyznaczył standard dla całego sektora. - [Events](https://www.banqsoft.com/events): Banqsoft is organising and sponsoring several notable events, and has done so over the years. User conferences, executive’s gatherings, webinars and workshops, to name a few. We take an active role in facilitating networking, discussions and knowledge sharing in the financial services sector, particularly focusing on areas like financial innovation, asset finance, digital banking and debt collection. The essence is innovation, expertise, and networking and these events typically embodys it. - [Norway Fintech Festival](https://www.banqsoft.com/events/norway-fintech-festival) - [A voice inside the Best of Nordic Fintech](https://www.banqsoft.com/events/nordic-fintech-summit-2026) - [DI Bank 2026](https://www.banqsoft.com/events/di-bank-2026) - [ViewPoint 2026](https://www.banqsoft.com/events/viewpoint-2026) - [InkassoForum 2026](https://www.banqsoft.com/events/inkassoforum-2026) - [Banqsoft session at Arendalsuka](https://www.banqsoft.com/events/banqsoft-event-at-arendalsuka) - [Webinar: Connecting to Cars for Asset Finance](https://www.banqsoft.com/events/webinar-servicehub-connected-services) - [Leaseurope Annual Convention i Sofia](https://www.banqsoft.com/events/leaseurope-annual-convention-in-sofia-2026) - [Composable Credit: NPL Management & Monetization Webinar](https://www.banqsoft.com/events/composable-credit-npl-management-monetization-webinar) - [Get in touch with us](https://www.banqsoft.com/contact): Find contact informations and adresses on Banqsoft offices. - [Protected](https://www.banqsoft.com/protected) - [Misc pages](https://www.banqsoft.com/misc-pages) - [Form Submission Confirmation ENG](https://www.banqsoft.com/misc-pages/form-submission-confirmation-eng) - [Thank U 4 Registr Page English](https://www.banqsoft.com/misc-pages/thank-u-4-registr-page-english) - [Llmstxt](https://www.banqsoft.com/llmstxt)