Drive new business in a well-governed, streamlined way with a highly configurable underwriting and loan processing platform – including for assets held with third-party custodians.
Decrease credit risk and remove operational risk with an automated monitoring and servicing engine – even for assets you don’t custody.
Free up capital and drive RoE through automated calculations aligned to the latest Basel regulations.
Firenze is built to integrate with, not to replace, your infrastructure. The platform exposes the raw data outputs your systems need - facility positions, collateral values, RWA calculations, margin call statuses - via API or structured file export, in whatever format your downstream systems may require.
On the input side, it can ingest data from your core banking system, custody platform or other internal sources. The integration design is scoped during implementation and is part of the standard delivery.
The origination and underwriting module is designed to be highly configurable - your LTV schedules, eligible asset classes, concentration limits and manual referral triggers are all mapped into the platform.
Where you have a manual credit approval layer (e.g., for larger facilities or complex collateral), that workflow is built in alongside the automated decisioning, so the platform flexes around your governance rather than replacing it.
For most banks looking to apply Credit Risk Mitigation, the key lever is the quality and granularity of the collateral data underpinning the haircut calculations.
Firenze's platform automates those calculations line by line in real time, surfaces optimisation opportunities and - under Basel 3.1 - uses proprietary CIU look-through data to get credit for fund holdings at their underlying constituent level rather than applying the fall-back haircut.
The combination typically produces a materially lower RWA outcome that most banks achieve with semi-manual processes.
The AI layer can monitor the book continuously, identify patterns that warrant attention - concentrations building, correlations between collateral positions increasing, early signs of margin pressure - and surface these proactively rather than waiting for a threshold breach.
Human assurance gates can be built into the workflow: the system flags and recommends, your credit team confirms or overrides, Nothing is actioned autonomously in a way that bypasses your governance. The goal is to give your risk team leverage, not to replace their judgement.
