Invers is a POM partner
Innovative organizations that reinforce each other. That is what the collaboration between Invers and POM entails. Jointly helping organizations to test the ability of loan applicants and to offer customized flexible payment arrangements that allow people to pay off debts better.
The collaboration
By integrating Invers' technology into POM, it becomes possible for organizations to perform a credit check with the applicant for a mortgage or the tenant of a home in a split second. But the collaboration makes even more possible, especially on the social level. Thanks to Invers' PSD2 technology and POM's Regelingenbot, organizations are able to offer a “customized payment arrangement” to their customers.
About Invers - Fintech Enabler
Invers is one of the leading banking data aggregators in the Benelux. In July 2019, Invers was one of the first in the Netherlands to receive a PSD2 license from De Nederlandsche Bank. With this PSD2 license, Invers retrieves raw bank transactions and the smart software recognizes all income and expenditure categories and provides a financial picture of all income and expenses, including other loans, debts and payment arrears, in a split second. Invers can enrich up to 95 percent of all transactions.
This is how the “customized payment scheme” works
1. Converting payment arrears into a payment arrangement
A payment arrangement can be a good solution if the customer cannot catch up all at once. It is important here that a payment arrangement is made that the customer can actually comply with.
2. Customized payment arrangement
The customer's bank account is analyzed in a nanosecond and, based on the incoming and outgoing funds, a payment arrangement is accurately proposed that is almost always feasible for the customer.
3. Automatic follow-up and adjustment
The payment arrangement made is fully automatically followed up by the smart Bot regulations by POM. In the unlikely event that a customer is unable to comply with the scheme, the bot always offers a suitable alternative. All this completely autonomously, without the intervention of an employee.
4. Amazing results
Offering a “Customized Payment Arrangement” has resulted in more than 74% of the payment arrangements being complied with and fully fulfilled.