# Stacc — llms-full.txt Companion to [llms.txt](https://www.stacc.com/llms.txt). Longer excerpts from key Stacc pages for LLMs that can ingest more context. Generated 2026-04-28. > Stacc is a Nordic fintech software company headquartered in Bergen, Norway. We build an AI-assisted, cloud-native credit and lending platform for banks, asset finance providers, insurers, pension funds, and public-sector financial institutions across the Nordics and broader Europe. Focus areas: AI-assisted loan origination, mortgage and commercial underwriting, consumer and commercial lending, KYC/AML, and invoice lifecycle. 200+ employees (70% software developers) across Bergen, Oslo, Stockholm, Skövde, and Aarhus; 115+ financial institutions as customers; 324 MNOK revenue in 2025 with 9.4% EBITDA margin; 42% revenue CAGR since 2016. ## What Stacc Does, in One Paragraph Stacc is a Nordic fintech software company that builds an **AI-assisted, cloud-native credit and lending platform** for banks and financial institutions across the Nordics and broader Europe. The platform covers mortgage, consumer, SMB, commercial, and asset finance, plus KYC/AML and invoice lifecycle. Stacc's approach is **credit-native AI**: AI assists credit decisions but never makes them — the credit decision stays deterministic and explainable, while AI plugs in for document intelligence, conversational lending, and scenario modelling. Headquartered in Bergen with offices in Oslo, Stockholm, Skövde, and Aarhus. **200+ employees (70% software developers)**, **115+ financial institutions** as customers, **324 MNOK revenue in 2025** with **9.4% EBITDA margin**, **42% revenue CAGR since 2016** (20% organic), and **45% of revenue from outside Norway**. Built with native compliance (SOC 2 Type 2, ISO 27001:2022, ISO/IEC 9001:2015) and designed for the EU AI Act, DORA, NIS 2, and GDPR. Recognised as a Gartner Sample Vendor for Credit Decision Engines in the 2025 Hype Cycle for Bank Lending. ## Stacc by the Numbers (FY 2025) - **200+ employees** across five offices (Bergen, Oslo, Stockholm, Skövde, Aarhus) - **70% of headcount are software developers** — engineering-heavy mix vs typical fintech vendors - **115+ financial institutions** as customers across the Nordics and broader Europe - **45+ years of credit and lending domain experience** in the team - **324 MNOK revenue (2025)** — approximately EUR 28M - **45% of revenue from outside Norway** — international, Nordic-led, expanding in UK and continental Europe - **9.4% EBITDA margin** — profitable growth - **42% revenue CAGR (2016–2025)** — composed of 53% organic growth, 47% acquisition - **20% organic revenue CAGR (2016–2025)** — durable, customer-funded growth on top of selective M&A ## Recent Major Customer Wins (2024–2025) ### DNB — Norway's largest bank — chooses Stacc for mortgages (December 2025) URL: https://www.stacc.com/news/dnb-set-to-revolutionize-mortgages-in-norway-powered-by-stacc DNB selected Stacc to build a new digital mortgage platform that will be implemented across DNB and Sbanken. The agreement covers significantly faster loan applications and disbursements, with customers able to self-manage and adjust their mortgages. > "We're now taking a giant leap towards an entirely new way of offering mortgages in Norway, and we're proud that Norwegian technology will take us there. If you apply for refinancing to renovate while sitting at the breakfast table, you can soon expect to have the money in your account before lunch." > — Tone-Marie Wahlstrøm, Division Director for Mortgage Digitalization, DNB > "We see a clear shift across the Nordics: banks increasingly want to focus on what creates customer value, while our platform handles the technical and regulatory complexity of the mortgage process. Being chosen by Norway's largest bank marks a major milestone for Stacc." > — Geir Nordrik, CEO, Stacc ### SBAB — Swedish state-owned mortgage bank — selects Stacc (December 2025) URL: https://www.stacc.com/news/sbab-selects-stacc-for-mortgage-digitalisation-and-automation SBAB became the first Swedish bank to implement Stacc's mortgage solution, choosing the platform to transform and automate its mortgage processes. > "It is very good that we have landed the agreement with Stacc. They have a strong product and are knowledgeable and professional. Stacc will be a valuable partner for us throughout the delivery project and in ongoing product development." > — Robin Silfverhielm, CDIO, SBAB > "SBAB is one of Sweden's most respected mortgage providers. Their choice of our platform confirms our long-term commitment to the Swedish market. Sweden is a key market in our Nordic strategy." > — Jimmy Afshar, Head of Mortgages in Sweden, Stacc ### Storebrand Bank — KYC/AML platform (2025) URL: https://www.stacc.com/news/storebrand-bank-selects-stacc-for-new-kyc-aml-platform Storebrand Bank selected Stacc to provide an automated KYC and AML compliance platform. ### KLP — AML/KYC (2024) URL: https://www.stacc.com/news/klp-has-selected-stacc-to-provide-a-new-aml-kyc-solution KLP (Kommunal Landspensjonskasse, Norway's largest pension fund) chose Stacc to automate onboarding, periodic checks, and event-based follow-up. ### OKQ8 — B2B/B2C compliance (2024) URL: https://www.stacc.com/news/okq8-selects-aml-kyc-solution-from-stacc OKQ8 (Nordic fuel and card network) selected Stacc for automated, digitised and compliant onboarding and origination across Sweden and Denmark. ### Lea Bank — renewed partnership (2024) URL: https://www.stacc.com/news/lea-bank-chooses-stacc-again Lea Bank extended its strategic collaboration with Stacc to drive automation across consumer loans, savings, and refinancing in the Nordics. ## Notable Customers Banks, financing companies, asset finance providers, insurers, pension funds, and public-sector organisations using Stacc include: - **Tier-1 banks:** DNB, SBAB, Danske Bank (car finance) - **Mortgage & consumer lenders:** Sbanken, Aprila Bank, Lea Bank, Avida Finans - **Pension & insurance:** KLP, Gjensidige Forsikring, Storebrand Bank - **Asset finance:** Brage Finans, Nordea Finance, Autolease, Autoplan, Alphabet Denmark, Ondrive Leasing, Partnerleasing - **Debt collection & invoice management:** Alektum Group - **Commercial banking:** Sparebanken Møre, Nordic Corporate Bank - **Retail & fuel:** OKQ8, Elkjøp Nordic - **Public sector:** Innovation Norway, Bane NOR - **Payment infrastructure:** ZTL Payment Total: more than 115 financial institutions across the Nordics. ## AI in Lending — Stacc's Position: Credit-Native AI Stacc takes a **credit-native AI** approach rather than AI-native. The credit decision stays deterministic, governed by explicit rules — when an application is approved or rejected, the bank can show exactly which rules and tasks produced the outcome. AI plugs in everywhere it adds value, while credit logic remains independent of specific AI models so models can be updated without rebuilding the lending system. This contrasts with AI-native approaches where the AI itself makes the decision. ### Named AI capabilities - **AI-assisted journeys with deterministic credit outcomes** — automation by default, manual by exception. Documented 80%+ reduction in adviser handling time per complex manual case in Stacc Mortgage Suite. Banks can plug any AI model into the decision process through self-serve, no-code interfaces. - **Deterministic Agentic Lending** — AI agents and LLMs handle the borrower-facing journey: voice or chat applications, data capture, document upload. The LLM converts conversational input into structured data that flows into the bank's existing credit policy. Faster, more natural application experience without losing auditability or compliance. - **Verifiable Document AI** — extracts structured data from PDFs (payslips, financial statements, contracts) with attribution-first tracing. Every extracted fact links back to the exact source location in the document. Advisers verify any data point in seconds rather than reading the full document. Adviser time shifts from data assembly to judgement, while every credit decision stays traceable to source evidence. - **Route-to-Yes** — automated scenario modelling against the bank's actual credit rules. For borderline applications, the system identifies pathways that would lead to approval (different term, lower amount, additional collateral) and surfaces the closest viable scenarios to the adviser. Operates within the bank's deterministic credit policy: explores rule-compliant approval paths, never bypasses rules. ### Why credit-native AI matters for banks 1. **Regulation** — EU AI Act, DORA, and Nordic supervisory regimes require credit decisions to be explainable and auditable. A deterministic decision the bank fully owns meets that bar; an AI-driven decision rarely does. 2. **Durability** — AI models change rapidly while credit policy must stay stable. Keeping credit logic independent of any specific model means new models can be adopted without rewriting the lending system. 3. **Accountability** — when a borrower disputes a rejection, the bank shows the exact rules that produced it, not a model's output. ### Deployments Stacc's AI-assisted credit platform is used at scale by Nordic Tier 1 and challenger banks: DNB (Norway's largest financial services group), SBAB (Swedish state-owned mortgage bank), Eika Gruppen (alliance of 50+ Norwegian local banks running digital underwriting at scale on Stacc Underwriting), Storebrand Bank, KLP, OKQ8, Lea Bank, Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc's credit decision engine was recognised by **Gartner as a Sample Vendor in the 2025 Hype Cycle for Bank Lending** (Derek Frost, 28 July 2025). Earlier recognitions: Sample Vendor — Digital Banking Multichannel (2022), Digital Banking Platform (2018). ## Trust & Compliance Posture - **ISO 27001:2022** — information security management - **ISO/IEC 9001:2015** — quality management - **SOC 2 Type 2** — security & availability attestation - **Environmental Lighthouse** — Norwegian environmental certification - **Trust Center:** https://trust.stacc.com — real-time posture, subprocessors, docs (Vanta-backed) - **Certifications & Recognitions:** https://www.stacc.com/company/certifications-and-recognitions ## Overview & Why Stacc ### About Stacc - Financial software solutions URL: https://www.stacc.com/company/about-us We create financial technology that simplifies innovation and improves business performance. Stacc was founded in 2016, with a clear vision to serve the banking and finance industry with the next generation of financial software. Key sections: About us · Explore Stacc · How we got here · From 10 to 200+ employees · Stacc goes Nordic and European · Nordic reach, global ambitions · Join our team · Reach out for more information Stacc is a financial technology company that delivers the next-generation credit and lending platform, trusted by Tier 1 and other progressive financial institutions to drive unprecedented automation, streamline operations and digitise compliance across mortgages, asset finance, consumer lending, commercial lending and more. Stacc is trusted by more than 115 forward-leaning financial institutions across banks, financing companies, invoice management firms and financial & investment managers. With over 45 years of credit and lending domain experience, the company brings deep knowledge, a strong innovation culture and an obsession with creating Time-to-Value for its customers. With headquarters in Bergen, Norway, five offices across the Nordics and customers in five countries, Stacc continues to power innovation in lending. Stacc was founded in 2016 with a clear vision to serve the banking and financial services industry with the next-generation of financial software. Our journey began in 2016 when Geir Hamre Nordrik and Henrik Lie-Nielsen started rethinking how banks and financial institutions originate, onboard and manage their customers. Having been in the industry for decades, they saw considerable potential in innovating with modern technology and user-centric approaches. Stacc was established as a spinout and rebrand of CVision from Knowit, with a core group of 10 employees, backed by investor Amp Eleven, and quickly grew through organic growth, new product development (such as Stacc Flow) and acquisition of 11 companies. ### Cloud-Native Credit Platform — Built for Lending | Stacc URL: https://www.stacc.com/why-stacc/cloud-native-credit-platform Stacc Key sections: The future of credit and lending · What changes when you run on Stacc · A world-class credit and lending platform · Modular · Highly automated · AI-assisted by design · Built on explicit rules, designed for AI to plug in Our credit-centric platform gives financial institutions the flexibility and scale to transform credit and lending from quoting, application, approval, disbursement and beyond—making it faster, more transparent and more human, while staying ready for tomorrow’s challenges. The platform enables faster credit applications, more efficient disbursements and significantly greater flexibility for customers to manage and customise their credit products themselves. After a thorough evaluation process, DNB has concluded that Stacc offers the best and most agile solution on the market—not just in Norway, but internationally as well. The automatic track widens and the manual track shortens. A higher share of cases flow through automatically and consistently. When a case is flagged for manual review, advisors work on only the complex tasks, with all relevant information gathered in one view, before the case proceeds on the automatic track. The result of nearly a decade of focused investments in digitalisation within banking and finance Compose your own solution from standard products, modules, third-party services and modular AI agents – your way, with flexibility – while still maintaining standardisation and ability to absorb future innovation. ### Native compliance and security | Stacc URL: https://www.stacc.com/why-stacc/native-compliance-and-security At Stacc, compliance and information security are the foundation of everything we do. Backed by SOC 2© and ISO standards, our cloud-native credit platform is built to meet regulatory and legal requirements with scalability, flexibility and confidence. Key sections: The foundation of everything we do · How we address compliance and security for our customers · Certified to the highest standards · Real-time transparency · Bank-grade resilience with Enterprise strength · Advanced safeguards and continuous compliance · Automating compliance as a competitive advantage At Stacc, compliance and information security are the foundation of everything we do. The platform is built to meet regulatory and legal requirements natively. Backed by SOC 2® Type 2 attestation, ISO 27001 and ISO 9001 certifications, an audited Trust Center and coverage for GDPR, NIS 2, DORA, the EU AI Act and the Transparency Act. SOC 2® Type 2 attested across all five pillars, ISO/IEC 27001:2023 and ISO/IEC 9001:2015 certified — with annual reviews following established audit intervals. Built to meet the strictest international requirements, with continuous alignment to evolving regulations. Discover how Stacc’s native compliance and security approach powers the future of financial institutions. ### Superior Time-to-Value | Stacc URL: https://www.stacc.com/why-stacc/superior-time-to-value From idea to impact - faster than ever before. At Stacc, we believe that value should be delivered in weeks, not years. Our proven approach, credit-centric platform and standardised solutions ensure your business sees measurable outcomes right away. Key sections: From idea to impact—faster than ever before. · Established track-record of Time-to-Value · 300% · 15 minutes · 3 months · 5 months · 20% · 2 months At Stacc, we believe that value should be delivered in weeks, not years. Our proven approach, credit-centric platform and standardised solutions ensure your business sees measurable outcomes right away. We have demonstrated that we can deliver highly automated, complex lending solutions across origination and servicing in very short time as well as complex rollouts across multiple markets in just a few months. implementation of fully automated commercial loan origination across 4 markets growth in mortgage portfolio in first year after implementation implementation to become Top 2 asset financier in <12 months implementation on consumer loan origination, servicing and deposits across 4 markets ### Innovative company | Stacc URL: https://www.stacc.com/why-stacc/innovative-company We’re on a mission to move finance forward. We help institutions streamline operations, ensure compliance and accelerate digital transformation—backed by the largest credit automation community from one of the world’s most advanced financial markets. Key sections: On a mission to move the financial industry forward · A seismic credit automation community · Our values · Dedication · Integrity · Excitement · Our qualities We help financial institutions streamline operations, ensure compliance and accelerate digital transformation. The largest credit automation community from one of the world's most digital and regulated financial markets. A financial industry free from legacy constraints – powered by modular, highly automated and intelligent software that excites customers. We represent the largest credit automation environment in the Nordics with more than 200 credit and technology specialists. 70% of our employees are software developers. We have delivered hundreds of credit processes. Automation is our Plan A. Not an option. Not a phase two. It separates us from every competitor in the market. We bring experience accumulated over more than 45 years in lending, credit and modern technology from one of the world’s most digital and regulated financial markets. ## Products ### Stacc Core | Core credit and deposits ledger URL: https://www.stacc.com/stacc-core Streamline operations with a highly automated core banking credit and deposits ledger. Get to market quickly with standard modules and flexible configuration. Perfect Leasing, Deposits, Mortgage, Unsecured Loans, Revolving Credit and Secured Loans. Key sections: It just works · Solve complex problems with less work · The old way · The Stacc way · A flexible core ledger · Mortgage Suite · SMB Lending · Asset Finance Suite Streamline operations with a highly automated core banking credit and deposits ledger. Get to market quickly with standard modules and flexible configuration. Module based software with flexible configuration and quick setup Real-time view of all core banking processes, allowing for faster case handling, decision-making and issue resolution. Reduce administrative overhead with highly automated loan lifecycle management. Supports various leasing structures for different asset types, including management of residual values, onward billing and buyout options. Flexible deposit account solutions for Consumer and corporate finance, with fixed or variable interest rates, including interest rate ladders. ### Credit Process Platform for Lenders | Stacc Flow URL: https://www.stacc.com/stacc-flow Stacc Flow is a credit process platform for high-volume credit operations. Modular, AI-assisted, governed by a deterministic decision engine. Built on industry standards. Key sections: The modular, AI-assisted credit process platform · One platform. Every credit product. · Flexible modules · High-automation templates · How Stacc Flow runs your credit operations · Built on explicit rules, designed for AI to plug in · Deterministic Agentic Lending · Route-to-Yes Cloud-native credit process platform combining flexible modules, high-automation templates, AI-assisted journeys and 200+ pre-built integrations. Modular by design, deterministic where credit decisions live, model-agnostic where AI helps. Trusted across Mortgage, Asset Finance, SMB & Commercial Lending and beyond reduction in manual case costs across many banks and lenders of new clients onboarded in less than 1 minute at a financial institution applications processed per year for the largest installation ### Stacc Advanced Underwriting | Mortgage & Commercial engines URL: https://www.stacc.com/stacc-underwriting Liquidity and collaterals engines for Mortgage and Commercial lending with case manager and API. Key sections: Improve operations and customer experience · Explore Stacc Advanced Underwriting products · Stacc Mortgage Underwriting · Stacc Commercial Underwriting Affordability and collateral engines with case manager and API for Mortgages and Commercial Lending. Connect with us to learn how we can help you with Stacc Advanced Underwriting ### Stacc Mortgage Underwriting | Affordability & collaterals engine URL: https://www.stacc.com/stacc-mortgage-underwriting Improve your credit decisions and offer financial advice with the market leading advisory software for mortgage lenders, used by more than 70 banks in the Nordics. Key sections: Market leading advisory software for mortgage lenders · Advanced underwriting for mortgages · Transforming manual cases into scalable decisions · Tailor insights for every household · Don't just listen to us · DNB chooses Stacc to revolutionise mortgages in Norway · A digital and automated end-to-end mortgage solution More than 70 banks and other lenders use Stacc Mortgage Underwriting, a specialised affordability and collaterals engine to support loan origination processes and provide thorough financial advice to consumers on a daily basis. Stacc gives advisors a real-time, holistic view of each household’s financial situation by combining income, debt, assets, expenses and family structure. Key metrics like affordability and debt-to-income are calculated instantly, using both automated and advisor-supplied data—allowing the bank to provide relevant, data-driven advice that strengthens customer relationships. Hear how Stacc Mortgage Underwriting has helped our customers transform manual mortgage cases into scalable decisions. Take comfort in working with 200+ credit and tech experts with more than 45 years of experience in the credit domain - focused on the advanced needs of mortgage providers. We have done this hundreds of times. For decades. Stacc Advanced Underwriting for Mortgage dates back to 1981. Unique financial analysis tool, providing a 360° financial analysis of retail customers, particularly adapted to support credit and advisory processes related to mortgages and other retail credit products. Handle all combinations of financial analysis in the same solution. No more window juggling. ### Stacc Commercial Underwriting | Liquidity & collaterals engine URL: https://www.stacc.com/stacc-commercial-underwriting Stacc Commercial Underwriting (aka BM Analyse in Norway) provides a 360° financial analysis of commercial customers, designed to automate and streamline your credit process related to commercial credit decisions. Key sections: The end of manual, fragmented spreadsheets. · A groundbreaking solution · Empower advisors · Forecasting and investment plans · Sensitivity analysis · One engine for every commercial case · The market leading underwriting engine · Nordic-native collaterals Give commercial advisors a 360° financial analysis engine that captures the data, runs the scenarios and handles the collateral — so every case gets the underwriting depth it deserves, without the spreadsheet cost. Corporate and business banking advisors often need to analyse accounting, liquidity and cash flow to see how different scenarios will affect short- and long-term risks, if a loan will speed up growth or examine the ability to service more debt. Previously these responsibilities have been a time consuming operation for advisors, with many manual tasks and spreadsheets. The result is an expensive and fragmented credit decision with little time to give actual advice and support to the corporate and business banking customers. Stacc Commercial Undewriting provides a 360° financial analysis of SMB and commercial customers, designed to automate, and streamline your credit process related to SMB, business and corporate loans. Based on 3rd party lookups and information from your own core system, the solution collects data about corporate structure, annual reports and current accounts, qualitative information as well as benchmarks numbers and provides the following: Simulation of how different scenarios will affect short- and long-term risks ### Stacc Asset Connect | Signing-to-delivery made easy URL: https://www.stacc.com/stacc-asset-connect Stacc Connect helps leasing and finance companies manage the entire post-signing process on one, connected platform. Key sections: We streamline everything from contract signing to delivery · Signing the contract used to be the easy part · Cloud-native and API-first · Always accurate, always updated · Everyone on board - right on time Stacc Asset Connect helps leasing and financing companies manage the entire post-signing process on one connected platform. Coordinate dealers, logistics and partners - automating workflows, reducing delays and improving customer satisfaction. The platform approach that solves all the pain in the post-signing process Built for seamless integration and scalability. Connects easily with your existing systems and partners. Get a complete overview of every case, ensuring correct data and full transparency at all times. Engage every stakeholder automatically, keeping deliveries moving and responsibilities clear. ### Stacc Invoice Suite | Invoice Administration, Debt Collection and Factoring URL: https://www.stacc.com/invoice-suite Boost revenue with flexible financing solutions within Invoice Administration, Debt Colletion and Factoring. Key sections: Nordic Invoice Management software · Explore Stacc Invoice Suite solutions for invoice managers · Debt Collection · Factoring · Invoice Administration · Ready to transform? With over a decade of experience building and consulting on Nordic debt collection and factoring systems, our Invoice Management software is designed by experts who understand your unique challenges. Connect with us to learn how we can help you with Invoice Management solutions. ## Solutions — Mortgage & Consumer ### Stacc Mortgage Suite — Origination & Management URL: https://www.stacc.com/mortgage-suite Cloud-native mortgage origination and management software. AI-assisted journeys, deterministic credit decisions, modular by design. Trusted by 70+ lenders. Key sections: Modular, highly automated and AI-assisted mortgages · End-to-end mortgage operations on one platform · Automation that scales, underwriting that handles the rest · What changes when you run mortgages on Stacc · FROM · TO · Narrow automatic track where manual cases stay manual · Automation widens; advisors focus only on what needs them Stacc Mortgage Suite is the cloud-native, API-first, composable software platform for mortgage origination — from inquiry to disbursement — and mortgage servicing across the entire lifecycle. Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Give advisors one view of the cases that need them. Automating a high share of tasks across all process steps of mortgage lending cases Deviation management — for tasks that don't fit the automatic path Mortgage Underwriting — for the most complex affordability and collaterals analysis Each product is API-native. Run them standalone or in combination — whatever fits your stack. ### Mortgage Origination Software — AI-Assisted | Stacc URL: https://www.stacc.com/mortgage-suite/mortgage-origination From inquiry to disbursement on one cloud-native platform. AI-assisted journeys, deterministic credit decisions, modular architecture. Built for Tier 1 mortgage volumes. Key sections: Modular, highly automated and AI-assisted mortgages · End-to-end mortgage origination on one platform · Automation that scales, underwriting that handles the rest · What changes when you run mortgages on Stacc · FROM · TO · Narrow automatic track where manual cases stay manual · Automation widens; advisors focus only on what needs them Stacc Mortgage Origination empowers mortgage providers to automate a high share of applications, customer onboarding, credit processes and payouts of mortgages with a cloud-native, API-first and highly composable mortgage origination solution. Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Give advisors one view of the cases that need them. Automating a high share of tasks across all process steps of mortgage lending cases Deviation management — for tasks that don't fit the automatic path Mortgage Underwriting — for the most complex affordability and collaterals analysis Without compromising compliance, security or pace of innovation. ### Stacc Mortgage Servicing URL: https://www.stacc.com/mortgage-suite/mortgage-servicing Stacc Mortgage Servicing Key sections: Mortgage Servicing · Stacc Core We are updating our website. Please leave your contact information and we will notify you when more information about this solution is published. ### Stacc Consumer Finance | Consumer Lending, Credit Cards and more URL: https://www.stacc.com/consumer-lending Digital Mortgage solution with process automation, loan lifecycle management (unsecured credit, refinancing and revolving credit), and deposits. Key sections: Fast. Flexible. Automated. Efficient. · We support most types of unsecured consumer financial products · Unsecured loans · Refinancing · Revolving credit · Get to market fast . Real fast . · Fully automated origination . · Cloud native, API first . Stacc Consumer Lending offers automated loan origination, task-based case management and smart loan servicing. Handle the entire loan lifecycle with the speed and control you need. Stacc Consumer Lending software provides an end-to-end solution for unsecured loans, tailored to local requirements. In a fast-paced and highly competitive business, time to market and time to money can be the competitive advantages that set your business ahead of the competition. Our software allows your origination processes to be fully automated, changeable and adaptable. Gradually transition from existing legacy solutions at your own pace. Mix automation, robotics (RPA) and manual tasks in the same process Our solution is “born in the cloud” and leverages all the benefits of secure & compliant cloud technology​. ### Stacc Embedded Finance for Lenders | Expand your footprint URL: https://www.stacc.com/consumer-lending/embedded-finance-for-lenders Distribute your consumer lending products through digital partners and ecosystems—seamlessly, securely and at scale. Reach customers where they are and grow your lending business without expanding infrastructure. Key sections: Embedded finance that expands your footprint · Expand consumer lending distribution through Loan Agents easily · Ready to accelerate your growth? Our platform enables lenders to distribute consumer financial products through digital partners, platforms and ecosystems — seamlessly, securely and at scale. Reach new customers where they already are, and grow your lending business without growing your infrastructure. Increase the number of loan applications, reaching visitors to 35+ loan agents Add multiple loan agents and handle incoming applications with ease Fast feedback to agents and applicants. Short time to decision and cash Enrich incoming credit applications with PEP and other KYC information Built with industry best practice API defined and ready to go ### Stacc Credit Card Origination | Governed. Automated. Scalable. URL: https://www.stacc.com/credit-card-origination Stacc provides the origination and monitoring engine for KYC & AML compliance and credit checks behind card programmes. We power the digital origination layer in collaboration with issuing banks, processors and card networks. Key sections: Governed. Automated. Scalable. · Built for organisations offering card programmes · Fleet & mobility programme providers · Retail & consumer brands · Employee benefits & expense management providers · Banks & regulated lenders · Embedded finance platforms · Stacc covers the complete lifecycle of credit and KYC/KYB & AML compliance Powering the origination, credit and KYC/KYB & AML compliance layer behind modern card programmes. We help customers onboard new customers, re-onboard existing customers and manage lifecycle compliance, fully integrated with card issuers, processors and networks. automation of re-onboarding of B2B & B2C credit card customers Stacc is purpose-built and experienced in supporting these card programme segments. Organisations serving commercial transport and business travel with dedicated payment solutions. Companies offering branded or co-branded credit cards to increase loyalty and sales. ### Stacc SMB Lending | Automated where it matters. Human where it counts. URL: https://www.stacc.com/smb-lending Automate high-volume tasks, standardise credit decisions and empower advisors with advanced financial analysis – all in one integrated platform from application intake to disbursement and beyond. Key sections: Automated where it matters. Human where it counts. · Both automation and advanced commercial underwriting · How SMB lending operations change with Stacc · FROM · TO · Narrow automatic track where manual cases stay manual · Automation widens; advisors focus only on what needs them · Fragmented systems with handoffs and rekeying Stacc SMB Lending is a cloud-native, modular loan origination and management platform built for Nordic banks that want to scale small and medium-sized business lending. Powered by a Gartner®-recognised Credit Decision Engine. Serve more SMB customers profitably with higher STP, lower cost per case and stronger RORAC. trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area. Leon Bakkebø, Director of Financing and Banking, Innovation Norway Automating a high share of tasks across all process steps of SMB lending cases ## Solutions — Commercial & Asset Finance ### Stacc Commercial Lending | Make better credit decisions. Faster and easier. URL: https://www.stacc.com/commercial-lending Eliminate costly manual work across spreadsheets or rigid systems on big cases. Stacc revolutionises the entire credit process from application to full repayment. Key sections: Automate the routine. Elevate the decisions that matter. · Make better credit decisions faster and easier · Stacc combines efficiency, scalability and flexibility, native to the needs of Nordic lenders · Efficiency · Scalability · Flexibility · 360 degree overview ready when you need it · Collateral analysis and handling made easy Free your senior credit team to focus on the commercial analysis, structuring and judgement that earns revenue and reduces risk. Stacc handles the data capture, scenario modelling, collateral lifecycle and documentation — across the full credit process, from application to full repayment. trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area. Leon Bakkebø, Director of Financing and Banking, Innovation Norway For many years, business and corporate lending has lagged behind retail lending and mortgages in terms of loan origination system support. ### Stacc SMB Lending | Automated where it matters. Human where it counts. URL: https://www.stacc.com/smb-lending Automate high-volume tasks, standardise credit decisions and empower advisors with advanced financial analysis – all in one integrated platform from application intake to disbursement and beyond. Key sections: Automated where it matters. Human where it counts. · Both automation and advanced commercial underwriting · How SMB lending operations change with Stacc · FROM · TO · Narrow automatic track where manual cases stay manual · Automation widens; advisors focus only on what needs them · Fragmented systems with handoffs and rekeying Stacc SMB Lending is a cloud-native, modular loan origination and management platform built for Nordic banks that want to scale small and medium-sized business lending. Powered by a Gartner®-recognised Credit Decision Engine. Serve more SMB customers profitably with higher STP, lower cost per case and stronger RORAC. trusted by 60+ PROGRESSIVE LENDERS and 2,000+ advisors IN THE NORDICS Stacc shows that we have forward-looking, competent and innovative financial technology environments in Norway that can compete against the best and largest in the world in this area. Leon Bakkebø, Director of Financing and Banking, Innovation Norway Automating a high share of tasks across all process steps of SMB lending cases ### Stacc Embedded Finance for Merchants | Accelerate your growth URL: https://www.stacc.com/embedded-finance-for-merchants Our full-scale Buy Now, Pay Later (BNPL) technology solution let Key sections: Embedded finance that accelerates your growth · Flexible financing options for your customers · Pay later · Part payment · Revolving credit · Why Stacc for BNPL? · Cloud-native credit platform · Innovative company Our full-scale Buy Now, Pay Later (BNPL) technology solution let's merchants provide flexible B2C and B2B financing options for their customers at digital and in-store Points-of-Sale (POS). Quick credit onboarding at POS. Highly flexible. Unlocking growth. Our software is designed to cater the full range of Buy Now, Pay Later (BNPL) options. Offer your customers the flexibility to pay in installments over time, whether it's 3 months, 6 months, 9 months or more. We support part payment plans, with terms ranging from 3 to 24 months or more, allowing your customers to choose the repayment plan that suits their needs. Implement revolving credit solutions, enabling customers to maintain a shopping account based on minimum payments. ### Asset Finance for Auto, Equipment & Fleet | Stacc URL: https://www.stacc.com/asset-finance-suite Move your Asset Finance forward with customised, comprehensive digital solutions for loan, lease and hire purchase of cars and equipment. Key sections: Discover the power of our modular, end-to-end Asset Finance Software · Leasing, loans & hire purchase of cars and equipment in a scalable SaaS platform · Revolutionise Vehicle Financing with a modular software platform · Streamline Equipment Financing with a powerfull end-to-end solution · Explore Stacc Asset Finance Suite solutions · Automotive Finance · Equipment Finance Flexible and scalable software designed to manage the entire lifecycle of asset finance within mobility solutions and equipment. Agile software platform for managing loans, hire purchases, and vehicle leasing agreements. Customise workflows, gain real-time insights, and high efficiency to ensure high performance. Cutting-edge software platform engineered to streamline equipment loan and leasing agreements. Customise workflows, access real-time analytics, and optimise efficiency. With our automated POS software and customized user-interfaces, we can streamline your process from lead generation to contract closure within banking, leasing, and financing of cars. With an intuitive interface and smart features we streamline the entire sales and administration process, from contract origination to portfolio management within leasing, loans, and hire purchases. Stacc Fleet Management supports the complete lifecycle management of a car fleet, including frame agreements, automated workflows, and partner integrations. ### Stacc Automotive Finance | Modular Software for Auto Finance & Leasing URL: https://www.stacc.com/asset-finance-suite/automotive-finance Offer, quote, automate and handle lifecycle of auto loans, leasing & subscription products with a digital, end-to-end and composable software solution supporting all vehicles. Key sections: Sell more cars with less work · Without an effective software system you might experience... · Scalable and modular POS-platform for car sales · Easy & fast offering · Automated workflow · Smart lead gen. & sales channels · Financial checks & digital signing · Smart modules managed with a switch With our automated POS software and customised user-interfaces, we can streamline your process from lead generation to contract closure within banking, leasing and financing of cars. Our platform optimizes the origination process through automation and customization. It features integrations that streamline operations, allow for automated car tax calculations, and enable you to generate offers in just minutes. Customize the entire origination process to fit your specific needs. Our platform enhances the car buying experience by integrating with industry car catalogs, featuring a user-friendly car configuration tool, and including an automated picture gallery administrator. This combination ensures a seamless and efficient vehicle selection process for users. Our platform supports unlimited internal and external sales channels, offering both semi- and fully-automated lead generation for B2C and B2B markets through web and fleet portals. This setup ensures an optimized user experience, efficiently catering to diverse customer needs. Our platform streamlines financial operations with a semi- to fully automated credit check process that utilizes KYC, PSD2-data, and customer tax data. Every contract and document is digitally signed for convenience and security. Additionally, the system supports invoicing and contract administration. Integrate KYC seamlessly into our software for identity verification. Our solution ensures regulatory compliance and enhances security, all within your existing platform. ### Stacc Equipment Finance | Complete lifecycle management for all equipment URL: https://www.stacc.com/asset-finance-suite/equipment-finance With a digital end-to-end Asset Finance solution from Stacc, you can manage the complete life cycle of all types of equipment including heavy machines, production equipment, and facilities, hardware, furniture, etc. Key sections: Enhance equipment sales & get more deals · Your Finance operations are ineffective and costly if... · Your processes rely more on personnel than on automated systems · Your operations and processes are not scalable and flexible enough · You don’t automate repeating tasks and processes · Customisable platform for Equipment sales & administration · Easy & fast offering · Automated workflow With an intuitive interface and smart features we streamline the entire sales and administration process, from contract origination to portfolio management within leasing, loans, and hire purchases. It revolutionizes the origination process with advanced automation and customization. It features seamless integrations that streamline operations, automated tax calculations, and the ability to generate offers in just two minutes. The entire origination process can be customized to suit your specific requirements. Our platform enhances the equipment buying experience by integrating with industry equipment catalogues, offering a user-friendly configuration tool, and including an automated picture gallery manager. This combination ensures a seamless and efficient equipment selection process for users. Our platform seamlessly integrates unlimited internal and external sales channels, facilitating both semi-automated and fully-automated lead generation for B2C and B2B markets through web and fleet portals. The design is optimized for user experience, efficiently addressing the varied needs of our customers. It optimizes financial operations with a semi- to fully automated credit check process, utilizing KYC, PSD2 data, and customer tax information. All contracts and documents are digitally signed, ensuring both convenience and security. Additionally, the system offers robust invoicing and contract management capabilities. Cargo ships, tankers, container ships, business jets, cargo aircrafts etc... ### Stacc Fleet Management | One invoice to rule them all URL: https://www.stacc.com/asset-finance-suite/fleet-management Fleet management from Stacc supports the complete lifecycle management of a car fleet, including frame agreements, automated workflows and partner integrations. Key sections: One invoice to rule them all · Full lifecycle management · Functionalities · Rapidly changing market · Ready to transform your fleet management operations? Stacc Fleet Management supports the complete lifecycle management of a car fleet, including frame agreements, automated workflows, and partner integrations. New fleet agreements can be imported directly from the customer, using APIs, or manually established using customized workflows. The solution supports tailoring of contracts to meet different customer needs and requirements, including connecting additional services. More available anywhere at any time, fleet management becomes a highly responsive real-time activity, boosting efficiency and productivity. Connect with us to learn how we can help you with Fleet Management. ## Solutions — Deposits, KYC/AML, Invoice ### Stacc Deposits | Full deposits lifecycle management URL: https://www.stacc.com/deposits With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalisation frequencies and withdrawal restrictions to suit your consumer and commercial customers. Key sections: Full deposits lifecycle management · Explore Stacc Deposit solutions · Commercial Deposits · Consumer Deposits · Ready to transform your institution? With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalisation frequencies and withdrawal restrictions to suit your consumer and commercial customers. Connect with us to learn how we can help you with Deposit solutions ### Stacc Consumer Deposits | Full deposits lifecycle management URL: https://www.stacc.com/deposits/consumer-deposits With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalization frequencies and withdrawal restrictions to suit your consumer customers. Key sections: Attract consumer deposits and increase liquidity · Full lifecycle management · 3rd party deposits support · Automated onboarding process · ApplicationWeb · MyPage · Lifecycle handling of accounts · Here's what makes our solution stand out We support the entire lifecycle of deposits. Highly automated, compliant by nature and customer MyPage included. With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalisation frequencies and withdrawal restrictions to suit the consumer market. Deposits enable comprehensive administration of regular and time-bound savings accounts. Product characteristics can be handled at the account level, allowing you to respond to new market conditions or to attract new customers, without altering existing customers or working with advanced customer segmentation. Stacc Core could also be integrated with 3rd party providers of deposit accounts in the European market, such as Raisin . This will enable the bank to establish a dedicated channel for EURO-based funding. Such a setup of the 3rd party will then handle the customer onboarding, KYC, and AML, while Stacc Core will create and maintain the actual deposit account. The solution includes a CustomerWeb with a process flow for filling out the application, communication with the customer during the application process and which will give established customers insight into their customer engagement with the bank. CustomerWeb includes an ApplicationWeb and a simple MyPage, which are described in more detail below. ### Stacc Commercial Deposits | Full deposits lifecycle management URL: https://www.stacc.com/deposits/commercial-deposits With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalization frequencies and withdrawal restrictions to suit your corporate customers. Key sections: Attract commercial deposits and increase liquidity · Full lifecycle management · ApplicationWeb · MyPage · Overview · Transactions · Documents · Lifecycle handling of accounts We support the entire lifecycle of deposits. Highly automated, compliant by nature and customer MyPage included. With Deposits from Stacc you can tailor various products based on a wide selection of features, interest types, fees, calculation methods, capitalisation frequencies and withdrawal restrictions to suit your corporate customers. Deposits supports full lifecycle management for both standard and fixed terms deposits accounts. Product characteristics can be handled at the account level, allowing you to respond to new market conditions or to attract new customers, without altering existing customers or working with advanced customer segmentation. Establishment of deposit accounts for retail customers is started via an ApplicationWeb, which can be integrated with your existing web sites. Applications and onboarding are processed automatically by lookups against third parties for obtaining information about credit scoring and screening of PEP and sanctions lists. During the process, the customer must answer standardized questions in accordance with the bank's mandatory Know Your Customer process. ### Stacc KYC & AML Management URL: https://www.stacc.com/kyc-and-aml-management Manage KYC, KYB and AML across the full customer lifecycle with a unified compliance workflow designed for EU AML and AMLA requirements. Key sections: One platform to orchestrate the entire KYC & AML lifecycle · Poor compliance management can increase AML and fraud risk, drive regulatory cost and limit growth · Escalated AML and compliance operating costs · Blind spots in customer and entity risk · Increased onboarding friction and lost revenue · Hardships in keeping up with regulations Onboard customers faster, keep compliance risk in check and cut manual compliance costs. Stacc Client Lifecycle Management (CLM) for KYC & AML Management orchestrates compliance risk with integrated KYC & AML context across the lifecycle in one platform. Manual alert handling driving headcount growth in both AML and KYC teams High maintenance costs of tuning rules and workflows across siloed systems Limited automation and siloed alert handling across KYC/KYB and transaction monitoring Transaction monitoring alerts handled without full customer or entity context ### Stacc Invoice Administration | Invoice Administration Software URL: https://www.stacc.com/invoice-suite/invoice-administration Stacc Invoice Administration Key sections: Invoice Administration We are updating our website. Please leave your contact information and we will notify you when more information about this solution is published. ### Stacc Debt Collection | Modern Platform for Data-driven Collections URL: https://www.stacc.com/invoice-suite/debt-collection Stacc Debt Collection connects systems, data and workflows into one platform for modern debt collection – so you can focus (less on systems and more) on your value-adding services. Key sections: From scattered systems to seamless collections · We intimately understand the main challenges in the debt collection industry · Low levels of efficiency and automation · Limited ability to change the status quo · 100% · 11.7% · Go from solving daily challenges to customers' real needs · "Doing things right" Stacc Debt Collection connects systems, data and workflows into one platform for modern debt collection – so you can focus (less on systems and more) on your value-adding services. Manual time controlling system outcomes and approving actions Manual time and human inaccuracies in preparing case documentation for compliance audits Inadequate system flexibility to differentiate fee and price models across markets and customer segments Large investments and long timelines for adaptability to new markets and changing regulatory requirements Significant onboarding time for new case handlers due to workaround solutions ### Stacc Factoring | Factoring Software URL: https://www.stacc.com/invoice-suite/factoring We offer financial and portfolio factoring as well as invoice purchase. Our advanced automation solutions are designed to support and enhance the unique business models of every customer. Key sections: Factoring that makes your finances sparkle · We offer financial and portfolio factoring as well as invoice purchase · Software and development for factoring needs · Streamlined and simple onboarding processes · Invoice processing automation · Fee calculation and management · Integration and scalability · Reporting and analytics Experience the transformative power of tailored automation that meets your specific needs and unlock new levels of growth and profitability. Our advanced automation solutions are designed to support and enhance the unique business models of every customer. By streamlining processes, eliminating manual tasks, and providing customizable workflows, we empower businesses to achieve greater efficiency, productivity, and success. Our experienced team is dedicated to delivering versatile factoring and financial solutions tailored to your business needs. With our modular and comprehensive offerings, you can customise your approach to stand out and unlock the full potential of your business model. Innovation is ingrained in our DNA, and we work proactively, suggesting new opportunities and consistently innovating to simplify, automate, and provide flexibility where you need it most. Stacc Factoring offers a smart, flexible, and automated factoring platform that enables easy onboarding and full invoice lifecycle support and financing. With API first and modular product suite we enable numerous ways of expanding your business. At Stacc, we don't settle for merely collecting, verifying, and storing customer information. We go the extra mile to streamline these processes, minimizing manual data entry and paperwork effortlessly. ## Trust & Compliance ### Certifications & Recognitions | Stacc URL: https://www.stacc.com/company/certifications-and-recognitions Our ISO 9001 and ISO 27001 certifications demonstrate our commitment to quality, security and accountability. Customer excitement is our priority, reflected in prestigious awards recognizing our excellence. Key sections: Certifications and recognitions · Certified to the highest standards · Global recognition and award-winning innovation · Gartner · Recognised as 1 of 8 Sample Vendors globally of Credit Decision Engines in Gartner® Hype Cycle™ for Bank Lending (2025) · Recognised by Acquisition International as: · Recognised by Orchard Finance as: · Recognised by Nordic Fintech Magazine Our certifications and recognitions reflect a deep commitment to risk management, compliance and customer success. Backed by global expertise and trusted partners, we’re proud to be acknowledged by leading publications and industry leaders for our reliability and performance. Stacc is committed to a culture of continuous improvement. In Stacc, therefore, all improvement suggestions are always welcomed. Our certifications and attestations are visible proof of our commitment to the highest standards of quality, efficiency and accountability, in line with stringent regulatory requirements and industry standards. We are committed to ensuring that our products and services meet high quality standards in all parts of our deliveries, regardless of subject. We strongly focus on risk management and work actively with risk mitigation measures in all parts of our processes. Customer excitement is our highest priority. Thus, we are immensely proud to be spotlighted or featured in leading publications and celebrated in prestigious awards that take customer excitement into account. Below are some examples from recent years. Gartner®, Hype Cycle™ for Bank Lending, 2025, Derek Frost, 28 July 2025 ## Research & Thought Leadership ### AI in Loan Origination | The case for Credit-Native AI | Stacc URL: https://www.stacc.com/research/ai-in-loan-origination-charting-the-future-of-banking-with-stacc Credit teams apply one test to AI: can we defend this decision to a regulator, an auditor, or our credit committee? Here Key sections: AI in Loan Origination: The Case for Credit-Native AI · Three things credit-native AI gets right · Deterministic where decisions live · Where AI earns its place: four example use-cases · Model-agnostic, by design · The advisor shows up where it matters · What this means for banks evaluating AI in lending · Relevant research A perspective on where AI belongs in regulated credit work — and where it doesn't. Banks evaluating AI in loan origination today are asking a question that's harder than it sounds: where does AI belong, and where does it not? The answer matters for any bank running mortgage, SMB and commercial lending, asset finance, consumer lending or KYC and AML operations. Here's what credit-native AI means in practice. Banks evaluating AI in loan origination are asking a question that's harder than it sounds: where does AI belong, and where does it not? The technology has matured fast. Large Language Models (LLMs) and autonomous AI agents can read borrower documents, hold conversations, summarise complex cases. But the test that credit teams actually apply is not what can the AI do? — it's can we defend this decision to a regulator, an auditor, or our own credit committee? That test has a precise answer. The credit decision itself, governed by explicit rules, versioned, auditable, defensible, sits at the centre of every loan origination process for a reason. The EU AI Act now codifies this: autonomous credit decisions are classified as high-risk; autonomous loan approval or rejection by an AI model is prohibited. The future of loan origination is AI-assisted, not AI-decided. The credit decision stays deterministic, governed by explicit rules. AI plugs in everywhere it adds value to the borrower experience or the origination process — under governance, with full audit trail, never as a black box. We call this approach credit-native, not AI-native . This is not a vendor argument. It is a structural argument about how AI should work in any regulated credit operation. We've shaped our products around it because the alternative does not produce decisions that hold up to scrutiny. ### Buy vs Build? Modular Credit and Loan Origination Software | Stacc URL: https://www.stacc.com/research/evaluating-buy-or-build-for-credit-and-loan-origination-software Discover how Stacc Flow combines the best of buying and building—modular, adaptable loan origination software that evolves with your business. Key sections: Evaluating Buy or Build for Credit and Loan Origination Software · Common concerns: Will it fit? Can we adapt it? · Our approach: A flexible alternative to the all-or-nothing dilemma · Adaptability beyond the initial setup · The best of both worlds · Relevant research · De-risking procurement in digital banking transformation projects · The Stacc way of working When modernising credit and loan origination processes, banks and financing providers face a critical decision: Should we buy an external platform or build our own? This debate is common with pros and cons on all sides. IT departments often push for an in-house build, believing it offers maximum control and customisation. Meanwhile, business units lean toward buying external solutions that are proven, faster to implement, more innovative and aligned with industry best practices. At Stacc, we understand both perspectives. That’s why we built Stacc Flow, as a modular credit process and automation platform that gives you the flexibility to choose how much you build and how much you buy. Many banks hesitate to adopt external platforms due to concerns about fit and adaptability: With Flow, the answer is simple: Yes, it will fit—and without the typical constraints of traditional software solutions. We don’t believe in a big black box that forces you into a predefined way of working. Instead, Stacc Flow is built with modular, re-usable and scalable components that allow you to: ### De-risk Digital Banking Transformation | Stacc URL: https://www.stacc.com/research/de-risking-procurement-in-digital-banking-transformation-projects Mitigate procurement risk—modernise one journey at a time. Explore Stacc’s research and learnings on step-wise, test-and-learn digital banking transformation. Key sections: De-risking procurement in digital banking transformation projects · More complex than rocket science · The perfect storm of challenges · What is needed to succeed · Vast value potential · Starting the journey sparks another challenge · The Stacc way · A structured approach to buying enterprise financial software the smart way Banking technology transformation doesn't have to be a leap of faith. While legacy systems and regulatory complexity make modernisation seem impossibly risky, a step-by-step approach allows financial institutions to test, validate and adapt before making major commitments—turning what feels like rocket science into manageable, proven progress for all stakeholders. Digitalisation of financial services is not a new thing. Yet, customer expectations for digital journeys and financial institutions’ increased efficiency needs are driving widespread technology modernisation. With transformation across the entire technology stack from credit and loan origination software to core banking and management software and beyond. Realising this transformation efficiently while ensuring long-term robustness and flexibility is complex - some might even say that transforming a large bank’s legacy technology environment is more complex than rocket science. For this reason, stories of large, successful modernisation journeys and projects with transformative impact in banking remain few. Instead, banking is littered with delayed, costly and failed projects as well as underwhelming and ineffective technology. The complexity facing financial institutions is vast. Technology from the 80s still power many large banks to this date, while said banks have run decade-long modernisation programmes with low completion rates and high budget overruns. Add to this challenge significant and evolving regulatory and risk requirements, geographical heterogeneity, disruption of adjacencies (such as payments) and higher customer and investor expectations, and you have the perfect storm for banking. Navigating this perfect storm requires scarce IT talent across a broad range of domains - often intermittently during peak loads of the transformation. As the pace of innovation is faster than ever, the transformation also requires open innovation capabilities in the sense of a clear ecosystem and technology strategy. Stacc's research, interviews and more than 40 years of credit and technology experience indicate that the financial institutions who increase external capabilities (such as vertical-specific software, outsourcing and partnerships) in their technology environments are far more likely to succeed with their banking transformations. In fact, Gartner forecasts spending on vertical-specific software among banks in Europe to grow about 60% faster than their overall IT budgets over 2024 to 2028. Compared to in-house journeys, the financial institutions with more external capabilities and in particular standardised and modular software platforms, often enjoy benefits across the workforce with decreased costs, process efficiency gains, enhanced regulator and risk management, greater customer experiences and future technology flexibility. The benefits are vast, such as 100% credit process automation as default, more than 80% reduction in approval times and 80% or higher case handler efficiency gains. However, software implementations for financial institutions are complex processes and projects. Banks need solutions that fit their architecture, meet regulatory requirements and add measurable value—all while avoiding costly and painful mistakes. ### The Stacc way of working | Risk-managed implementation URL: https://www.stacc.com/research/the-stacc-way-of-working Learn Stacc’s tried-and-tested implementation: Phased delivery, joint scoping, early impact—built on decades of Nordic banking projects. Key sections: The Stacc way of working · Implementation principles · Roles and responsibilities · Stacc’s role · Common focus areas · Customer’s typical role · Program and project management in Stacc · A long-term partner, not just a vendor Choosing a technology partner in banking and financial services is about more than just software—it’s about finding a team that understands your industry, products and challenges, and tirelessly works alongside you as a trusted partner to ensures your long-term success. At Stacc, we don’t just deliver modern software solutions; we are on a mission to move the financial industry forward with dedication, integrity and excitement at every step. Having designed, implemented and completed hundreds of credit journeys over more than 40 years, with more than 280 financial institutions of all asset sizes, we have developed a set of learnings and best practices on how to implement and deliver successful projects and measurable ROI for financial institutions alongside managed risk. We call this the Stacc way and reflects our recommended implementation approach. It is based on four key principles: End-to-end Start with a clearly defined scope, preferably one or a few end-to-end credit processes (for example move mortgage). No big bang that can disrupt or overwhelm, but a set of waves divided into appropriate end-to-end packages (including front-end/customer journey, credit process and core). This approach delivers more immediate business rewards early, pride in early wins and trust for the steps ahead. Furthermore, leaning into composing the unique credit process for various markets and segments using standard modules often helps with future ability to absorb innovation and limit maintenance drag on the business. Step-by-step approach The focus is on working towards an end-to-end solution for the first delivery phase (for example move mortgage). Then adding additional flows/products based on the established process. This approach makes the defined scope waves easier to adapt and implement within the organisation. It also features process design and an architectural framework that builds on the benefits of earlier phases. Joint scoping before each wave Pause and take stock on priorities and scope before each new wave. Implementation projects mature over time – leading to different priorities than at the beginning and change management. A joint scoping phase at the start of each wave ensures a common understanding of what is to be done, and make development, delivery and testing more effective. This approach fosters continuous learning, stakeholder collaboration and adjustments made along the way to ensure efficient prioritisation. Common goal and measurements Set baseline as well as consistent and measurable goals for the implementation project, tracking both business value and leading indicators across commercials, operations, risk and compliance. This approach ensures common understanding of the target, sets a focus on the desired achievements, facilitates solid progress and as importantly celebrates wins. ### Blog / Importance of retail financial analysis URL: https://www.stacc.com/blog/importance-of-retail-financial-analysis We have almost left behind a year of steadily increasing prices for food, petrol, record-high electricity prices and a series of interest rate increases. As a result, many households have difficulties in servicing debt and other expenses overnight Key sections: Importance of retail financial analysis · 360-degree financial analysis and advisory solutions from Stacc We have almost left behind a year of steadily increasing prices for food, petrol, record-high electricity prices and a series of interest rate increases. As a result, many households have difficulties in servicing debt and other expenses overnight' and are experiencing an uncertain future. This is precisely where financial analysis and advisory services come into play. The banking and finance industry has excellent opportunities to promote qualified financial analysis and advisory services as part of your value proposition. Many individuals currently require assistance in achieving their goals, making wise decisions regarding loan serviceability, or selecting the right type of savings, investment, pension plan, or insurance product. Did you know that Stacc has the market's largest and most experienced professional community in developing solutions for financial analysis and advisory? The retail financial analysis solution is already in use by most Norwegian banks . The advisory suite for the retail market is a industry-leading solution that handles financial analysis for individuals, households, and co-signers. The solution is designed to help customers calculate loan serviceability and to offer financial advisory in different stages of life, whether it's starting education, first time home purchase, cohabitation or marriage, family expansion, divorce, or when one of the spouses retires, becomes unemployed, disabled, or passes away. The solution focuses on automating and streamlining the advisory process across all channels and combines import of the bank's own customer data with lookups against a number of third-party data sources. The information is collected, analyzed, and presented in a 360-degree customer view as a basis for financial advisory. ## Customer Stories — selected ### Who we serve | Stacc customers and success stories URL: https://www.stacc.com/who-we-serve We have a proven track record of delivering financial software to a wide range of customers. Key sections: Explore how our customers are moving finance forward · Banks · SBAB selects Stacc for mortgage digitalisation and automation · DNB chooses Stacc to revolutionise mortgages in Norway · Storebrand Bank selects Stacc for new KYC/AML platform · The first real-time factoring bank in Norway · The world’s first bank running in Azure Cloud! · KLP selects Stacc to provide a new AML & KYC Solution At Stacc, we empower financial institutions of all sizes to accelerate digital transformation, strengthen compliance and deliver seamless customer experiences. Stacc serves banks, financing companies, financial & investment managers and invoice management firms. Our customers trust us to drive efficiency, innovation and commercial outcomes. Trusted by 115+ financial institutions, including Nordic Tier 1 banks End-to-end credit and loan origination and management across mortgage, SMB & commercial lending, asset finance and consumer lending, as well as bank-wide compliance lifecycle management. faster origination at one institution: from 3 months to 10 minutes average Credit and lending solutions across asset finance, SMB commercial lending, consumer lending and embedded finance for specialised financing companies, such as vehicle leasing companies, fleet & mobility based finance providers and public financing bodies. ### Eika: Mortgage & Commercial Underwriting | Eika Gruppen URL: https://www.stacc.com/who-we-serve/automated-underwriting-at-scale-from-fragmented-processes-to-structured-precision Stacc enables digital underwriting at scale for Eika’s 40+ banks, accelerating mortgage & commercial credit assessments with structured, data-driven workflows. Key sections: Automated underwriting at scale – from fragmented processes to structured precision · The Challenge · The Solution · The Result · Other customer stories · Automated payout flows – from manual process to structured precision As Norway's 3rd largest banking group, Eika supports more than 50 independent local banks with shared infrastructure and common standards. Over time, the alliance had outgrown manual processes and fragmented systems for credit assessment. Support advanced underwriting and analysis of both retail and commercial customers Handle complex cases, such as bridge financing and future life-event scenarios Integrate seamlessly with Eika's existing credit portal and core banking landscape Without this, case handling was slow, advisor interfaces were inconsistent and it was difficult to scale best practice across the alliance. Together with Stacc, Eika implemented Stacc Mortgage Underwriting and later also Stacc Commercial Underwriting, fully integrated into Eika's credit portal. ### Alektum Group: Automated Debt Collection | Stacc URL: https://www.stacc.com/who-we-serve/alektum-group Alektum Group leverages Stacc Invoice for automated debt collection, credit process orchestration, case handling and invoice lifecycle management. Key sections: Automated payout flows – from manual process to structured precision · The Challenge · The Solution · The Result · Other customer stories · Automated underwriting at scale – from fragmented processes to structured precision · Effective online car sales with custom frontend and adaptable backend Alektum relied on heavy manual processes to manage payouts, including overpayments, client funds and payments to third parties, such as the Swedish Enforcement Authority (Kronofogdemyndigheten, KFM). The team spent significant time fetching, sorting and structuring data across multiple sources before initiating payments. We provided a software automation layer that now handles the majority of this work. The new system supports multiple payout types in a single interface – whether it’s client-held funds, direct refunds to debtors or regulated transfers to KFM. The solution made each flow clearly defined and automated based on business logic and real-time data, significantly reducing manual workload and the risk of human error, thereby strengthening operational efficiency and the customer experience. The higher accuracy also translated into full traceability and a team that can now focus on value beyond administration. Significant reduction in time spent handling standard overpayments to debtors Transformative improvement in the KFM-related overpayment process They are incredibly attentive to our needs and requests. The collaboration has felt more like a partnership than a traditional customer–supplier relationship. We are more like colleagues to each other. Malin Claesson, Director IT Development at Alektum Group ### Aprila Bank: Real-time SMB Factoring | Stacc URL: https://www.stacc.com/who-we-serve/aprila-bank Aprila Bank uses Stacc Key sections: The first real-time factoring bank in Norway · The Challenge · The Solution · The Result · Other customer stories · Drivalia manages multi-channel leads on single platform · Constantly expanding, always innovating Aprila Bank's business idea was to raise capital from the private market and to offer loans and factoring/invoice purchase to the corporate market, wanting to be the first real-time factoring bank in Norway. Stacc delivers the Core Ledger platform including support for deposits, factoring, invoice purchase, loans and revolving credits. In addition, we delivered fully automated and digitised onboarding process including KYC/AML, scoring, authentication and signing of documents by eID, my page and case management system for manual onboarding. Aprila was recently listed by fintech analysts C-Innovation as one of the fastest-growing digital banks in Europe , the only one from Norway. Aprila runs their own proprietary onboarding and credit origination. Granted loans or credit is then automatically created in the Core Ledger solution from Stacc. Stacc Core Ledger handles the complete life cycle management of loans and credits from disbursement to full repayment. ### Avida Finans: Unified Nordic Lending Platform | Stacc URL: https://www.stacc.com/who-we-serve/avida-finans Avida Finans unifies its Nordic services on one modern platform from Stacc to streamline, innovate and meet customer needs in Sweden, Norway, and Finland. Key sections: Platform change to become Nordic industry leader · The Challenge · The Solution · The Result · Other customer stories · A new digital platform for Nordea Finance Nordics · Drivalia manages multi-channel leads on single platform Avida Finans specialises in offering financial products as deposits, loans, revolving credits and factoring to corporates and consumers in Sweden, Norway and Finland. They needed to unify their product portfolio on a single modern platform to be able to create exciting products and services for the entire Nordic market and become the industry leader in understanding and meeting customers' needs throughout the Nordic region. Stacc delivers a complete core solution supporting deposits, loans, revolving credits and factoring, as well as process automation and case handling across the Nordics. The solution consists of a ledger, depot, automated lifecycle handling of products and agreements from disbursement to closing and handles payment plans, due register, roles, customer data, automated periodic events, default management, automated debt collection, and running administration. The solution also includes an integrated ERP system and different compliance requirements built-in. With all customers moved to the new platform, work is starting for Avida to get the maximum benefit from the new technical solution. ### Brage Finans: Loans, Leasing & Factoring | Stacc URL: https://www.stacc.com/who-we-serve/brage-finans Complete core banking ledger for loans, leasing & factoring + mobility-as-a-service for cars. Full financial product support in one platform. Key sections: Constantly expanding, always innovating · The Challenge · The Solution · The Result · Other customer stories · The first real-time factoring bank in Norway · PartnerLeasing streamlines Asset Finance operations Brage Finans was established in 2010 by ten Norwegian savings banks aiming to create an independent financing company. Brage Finans needed a digital platform to run operations in an efficient, scalable way. Stacc delivers a complete core ledger solution supporting financial products and services such as loans, leasing and factoring - as well as a mobilty-as-a-service solution for cars. Stacc Core is based on Microsoft Dynamics 365 Business Central, which is fully compatible with other Microsoft products as Windows, Office and Power BI. Automated lifecycle handling of products and agreements from disbursement to closing. The platform handles payment plans, due register, roles, customer data, automated periodic events, default management, automated debt collection, and running administration. Stacc Core also includes an integrated ERP system and different compliance requirements built-in. ### Lea Bank: Cloud-native Core Banking | Stacc URL: https://www.stacc.com/who-we-serve/lea-bank Lea bank uses Stacc Core banking ledger on deposits and loans. Today, Lea Bank provides financial services in Norway, Sweden, Finland and Spain. Key sections: The world’s first bank running in Azure Cloud! · The Challenge · The Solution · The solution consists of: · The Result · Other customer stories · Innovation Norway simplifies credit process · A new digital platform for Nordea Finance Nordics Lea Bank’s (formerly known as Monobank and later BraBank) ideology was a mobile bank only to avoid costs for maintaining offices, a high number of employees and traditional banking infrastructure. Stacc delivers a complete core solution supporting deposits and loans. Today, Lea Bank provides financial services in Norway, Sweden, Finland and Spain. The solution is built with Stacc Core Ledger based on Microsoft Dynamics 365 Business Central, fully compatible with other Microsoft products as Windows, Office and Power BI. Automated lifecycle handling of products and agreements from disbursement to closing Stacc Core Ledger also features an integrated ERP system and offers built-in solutions to handle compliance requirements. The solution is integrated with the bank's own systems in Microsoft Azure, such as online banking, the application process, data warehouse, scoring engine, policy and pricing mechanisms. ### Nordea Finance: Digital Asset Finance | Stacc URL: https://www.stacc.com/who-we-serve/nordea-finance Nordea Finance needed to streamline information, speed up payments and enable GDPR-compliant communication between car dealers, car buyers and Nordea. Key sections: A new digital platform for Nordea Finance Nordics · The Challenge · The Solution · The Result · Other customer stories · The world’s first bank running in Azure Cloud! · Platform change to become Nordic industry leader Nordea Finance needed to streamline information, speed up payments and enable GDPR-compliant communication between car dealers, car buyers and Nordea. Stacc delivers Flow Manager Platform, that enables a seamless and realtime information flow between all parties on multiple devices. The car dealer, the car buyer and Nordea Finance are connected through a digital workflow, handling scanned documentation, communication via chat, eMail or SMS notifications, authentication, camera and photo uploads, document distribution and eSigning. The result is a fast and secure digital workflow where car dealers gets information faster, Nordea finance has a fast and structured digital workflow, and car buyers can upload extra documentation and sign documents digitally. The solution has reduced phone calls to customer service with over 90% . Nordea Finance offers a wide range of asset finance, sales finance and receivable finance solutions. ## Company & Locations ### Stacc Management team URL: https://www.stacc.com/company/management Stacc’s management Team has extensive experience in the banking and finance industry. We are passionate about innovation. Our focus is your business growth. Key sections: Management Team · Product Leads · Board of Directors Stacc’s Management team has extensive experience from the banking and financial industry. They bring a mix of experience, curiosity and drive to the table—setting direction, sparking innovation and empowering teams to do their best work. ### Stacc locations in Norway, Sweden and Denmark URL: https://www.stacc.com/company/locations Nordic company. Global each. Key sections: Our locations · Norway · Stacc Bergen · Stacc Oslo · Sweden · Stacc Stockholm · Stacc Skövde · Denmark ### Stacc Bergen URL: https://www.stacc.com/company/locations/bergen Stacc HQ is located at the seaside in beautiful Marineholmen, also known as the "innovation district". Key sections: Bergen office features · Bergen social activities · Questions? · we move finance forward · Our other locations · Stacc Oslo · Stacc Stockholm Stacc HQ is located at the seaside in beautiful Marineholmen, also known as the "innovation district". ### Stacc Oslo URL: https://www.stacc.com/company/locations/oslo Our Oslo office is just a stones throw from Nationaltheatret metro station and The Norwegian Royal Palace. Key sections: Oslo office features · Oslo social activities · Questions? · we move finance forward · Our other locations · Stacc Bergen · Stacc Stockholm Our Oslo office is just a stones throw from Nationaltheatret metro station and The Norwegian Royal Palace. ### Stacc Stockholm URL: https://www.stacc.com/company/locations/stockholm Our Stockholm office is located in the heart of Östermalm, with Stureplan right around the corner. Key sections: Prime location · Stockholm office features · Stockholm social activities · Questions? · we move finance forward · Our other locations · Stacc Bergen Our Stockholm office is located in the heart of Östermalm, with Stureplan right around the corner. Enjoy Nybroviken or take a stroll to Stureplan, the financial centre of Sweden. This prime location not only offers accessibility but also places us within reach of diverse dining, cultural, and entertainment options. ### Stacc Skövde URL: https://www.stacc.com/company/locations/skovde You can find our office in Science Park Skövde, just a 10-minute walk from Skövde Travel Center in the middle of the city. Key sections: Sweden's new fintech-metropolis · Skövde office features · Skövde social activities · Questions? · we move finance forward You can find our office in Science Park Skövde, just a 10-minute walk from Skövde Travel Center in the middle of the city. In this IT community, lectures for competence development are arranged, as well as entertainment events where you can socialize with other techies, and where lots of events and happenings take place. Did you know that Sweden's very first education in IT economics was started in Skövde at the University - which we are neighbors with? Therefore, it is perhaps not surprising that Skövde is Sweden's fourth-largest game manufacturing city, the home of the e-invoice, and a well-established center within fintech. Here we are perfectly situated; right between Sweden's two largest cities in the new district - Skövde Science City. Electric car chargers outside the house – easy to find parking The ping pong table - where disputes are resolve and we treat ourselves to a nice break ### Stacc Aarhus URL: https://www.stacc.com/company/locations/aarhus Stacc Bytelab resides in the historical Rømerhus building, right in the city Key sections: It's not just about bits, bytes and pixels – it's the people behind the software that truly make the difference · Aarhus office features · Aarhus social activities · Contact Office · Contact Support · Visiting adress · Our other locations · Stacc Bergen Stacc Bytelab, one of the leading software companies in Asset Finance, is located in the historic Rømerhus building in the heart of Aarhus where a dedicated team of fintech professionals delivers high performing solutions to leasing and finance companies ind the Nordics. Good employees are the foundation of success, and their productivity depends on the work environment. A supportive, inclusive workplace fosters creativity, loyalty and growth, benefiting both employees and the organisation. At Stacc Bytelab, we’re not just building fintech solutions - we’re shaping the financial systems of tomorrow. But we can’t do it without brilliant minds like yours.