The future of intelligent personalised pricing for the lending market
Utilise multiple data points to provide a dynamic personalised price that meets the specific needs of your customers.
Simply embrace the power of Optimo and transform your lending business today.
Reduce the time to market with new products by up to
80%
Gain the competitive edge in an ever-evolving lending market
With its speed to market and data-driven pricing capabilities, Optimo’s intelligent dynamic pricing engine allows self-serve configuration changes without impacting underlying product characteristics, reducing the number of products required and decreasing time to market for new pricing by up to 80%*.
* Based on customer research
See how Optimo’s risk-based pricing can
revolutionise your lending experience
Unlock the potential of your lending business with Optimo
By utilising algorithmic models and enhanced data sources, increase the competitiveness of your lending products in a highly dynamic and competitive market.
Improve the quality of your loan books by better managing your lending risk by taking into account additional factors in dynamic ways previously not possible.
Make pricing changes with ease and streamline your product release process with Optimo’s low-code, no-code solution.
for borrowers
Innovate in new markets by developing products and pricing for consumers priced-out or hard to reach with Optimo.
Enhance your business with Optimo’s real-time risk-based pricing engine
of ownership as they configure and personalize their pricing strategies.
and Management
and Evidence Output
Intelligent pricing for:
Empowers High Street Lenders to dynamically price their mortgage lending products with ease
By leveraging our business-friendly self-configuration feature, High Street Lenders gain full control over their pricing process and configuration. Effortlessly launch new products, simplify product catalogue pricing and management, and seamlessly integrate our solution with existing product management systems.With automated pricing configuration testing and evidence output, High Street Lenders can ensure accurate and efficient pricing strategies, optimising their competitiveness in the market.
Building Societies can enhance their mortgage lending operations with Optimo.
With simplified product catalogue pricing and management, Building Societies can efficiently launch new products and manage their pricing strategies. Optimo supports existing channels to market, enabling them to leverage their distribution hub while only changing the pricing. The business-friendly self-configuration feature ensures that Building Societies have full ownership of the pricing process, giving them the flexibility to adapt to market demands quickly.
Optimo solution offers significant benefits
to Equity Release lenders.
With our simplified product catalogue pricing and management feature, Equity Release lenders can seamlessly introduce new products and manage pricing complexities effortlessly.
The business-friendly self-configuration empowers Equity Release lenders to personalise and configure their pricing strategies according to their unique requirements. Furthermore, Optimo supports existing sourcing systems such as AiR Sourcing and IRESS, allowing Equity Release lenders to integrate Optimo into key distribution channels for intermediaries.
With automated pricing configuration testing and evidence output, Equity Release lenders can ensure compliance and accuracy in their pricing, providing transparency to their customers.
Specialist Lenders can leverage Optimo to enhance their mortgage lending capabilities.
Specialist Lenders can leverage Optimo to enhance their mortgage lending capabilities. With simplified product catalogue pricing and management, Specialist Lenders can streamline the launch of new products and efficiently manage their pricing strategies whilst bringing in new data points.
The API-driven nature of our solution enables seamless integration with existing systems, facilitating real-time data exchange and efficient workflows.
Your Business Partner
Chris Little
Chris Little is Commercial Director at finova, looking after the business’ corporate strategy for lending and banking solutions. In his role, Chris leads all business development and commercial activity, ensuring that finova retains its edge in the market.
Prior to joining finova, Chris founded and launched BEP Systems – the market leading origination platform in the UK’s lending sector which is now part of finova’s Core Banking offering.
Optimo brochure
Learn more about how Optimo can empower you to make faster, well-informed decisions with our handy guide.
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Pricing statement
High St Lender
Optimo empowers High Street Lenders to dynamically price their mortgage lending products with ease. By leveraging our business-friendly self-configuration feature, High Street Lenders gain full control over their pricing process and configuration. Effortlessly launch new products, simplify product catalogue pricing and management, and seamlessly integrate our solution with existing product management systems. With automated pricing configuration testing and evidence output, High Street Lenders can ensure accurate and efficient pricing strategies, optimising their competitiveness in the market.
Building Societies
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Equity Release
Optimo solution offers significant benefits to Equity Release lenders. With our simplified product catalogue pricing and management feature, Equity Release lenders can seamlessly introduce new products and manage pricing complexities effortlessly. The business-friendly self-configuration empowers Equity Release lenders to personalise and configure their pricing strategies according to their unique requirements. Furthermore, Optimo supports existing sourcing systems such as AiR Sourcing and IRESS, allowing Equity Release lenders to integrate Optimo into key distribution channels for intermediaries. With automated pricing configuration testing and evidence output, Equity Release lenders can ensure compliance and accuracy in their pricing, providing transparency to their customers.
Specialist Lenders
Specialist Lenders can leverage Optimo to enhance their mortgage lending capabilities. With simplified product catalogue pricing and management, Specialist Lenders can streamline the launch of new products and efficiently manage their pricing strategies whilst bringing in new data points. The API-driven nature of our solution enables seamless integration with existing systems, facilitating real-time data exchange and efficient workflows.
Frequently asked questions
What is a dynamic decisioning engine for mortgage lenders?
A dynamic decisioning engine is a sophisticated software solution designed to empower mortgage lenders with real-time, data-driven tools. It helps lenders make intelligent decisions regarding loan pricing, eligibility, and risk assessment by analysing a multitude of variables instantly.
How does this solution benefit mortgage lenders?
- Improved Profitability: By optimising loan pricing, lenders can maximise profitability without increasing risk.
- Enhanced Efficiency: Automation reduces manual processes, speeding up loan approvals.
- Risk Mitigation: By utilising additional data points and algorithms can mitigate potential risks.
Can your solution integrate with our existing mortgage origination system?
Yes, our solution is designed with API-first principles for seamless integration with various mortgage origination systems. This ensures a smooth transition and minimal disruption to your existing workflows.
What data sources does the system use for decision-making?
Optimo can utilise a wide array of data sources, including credit scores, income verification, property valuation data, market trends, and more.
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