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Building a digital bank
Holm Bank is a digital bank which is growing in Estonia and Latvia.
Holm uses Union to manage its corporate banking division:
Internet bank for client engagement.
Partner portal for loan distributors.
AML and sanction checks.
Credit scoring and risk rating.
Loan and leasing portfolio management.
Deposit management.
Bond management for investors.
NPL and regulatory reporting.
Driving retail sales
Kaubamaja is Estonia’s largest retail group, with 750k regular customers.
Kaubamaja use Union to issue and manage BNPL, hire purchase and charge card lending across group brands:
Credit scoring and client risk matrix.
Integrated contract management.
Limit management.
Loan portfolio management.
NPL reporting and collections.
API to Kaubamaja app.
Online mortgage lending
Hüpoteeklaen is a fast-growing specialist mortgage lender.
Hüpoteeklaen Union to manage retail and corporate lending:
Internet bank for client engagement.
Client screening data for credit committee.
Loan workflow management.
Limit management.
Loan portfolio management.
Collateral management.
Bond management for investors.
ALM and risk reporting.
Loan management system
Svea Finance is an online lender in Estonia, and subsidiary of Svea Bank in Sweden.
Svea uses Union to manage loans, leasing, hire purchase, and invoice finance in retail and corporate segments:
Client engagement tools.
AML checks at onboarding.
Credit scoring and client risk matrix.
Loan workflow management.
Limit management.
Loan portfolio management.
Bank-grade financial reporting.
Payment orchestration
Iorys is a leading payment services provider in Europe.
Iorys uses Union platform to provide payments, cards and FX services:
Internet bank for client engagement.
KYC/KYB checks at onboarding.
Payment hub with multiple integrations.
Payment management (limits, countries, travel rules).
KYT/AML checks in live.
FX management.
Nostro and liquidity monitoring.
General ledger and regulatory reporting.
Foreign Exchange Trading
Eurex is a provider of currency exchange and money transfers.
Eurex uses Union to configure products and manage operations, online and in-branch:
Internet bank for client engagement.
Online FX trading and management.
Bureau de change cash operations.
Payment management (limits, countries, travel rules).
Market data feeds.
Product configuration.
Client and transaction management.
Money Services Business
Vellis is an MSB providing accounts, payments, currency exchange and payment processing.
Vellis uses Union to offer online services to SMEs in Canada and Europe:
Internet bank for client engagement.
KYC/KYB checks at onboarding.
Local, SEPA and SWIFT payment rails.
Multi-currency virtual IBANS.
Payment management (limits, countries, travel rules).
Online FX trading and management.
KYT/AML checks in live.
General ledger and NOSTRO reporting.
Regulatory reporting.