# 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 2026-10-09. > Stacc is a Nordic software company headquartered in Bergen, Norway. It builds an AI-assisted, cloud-native credit and lending platform for banks, financing companies, asset finance providers, insurers and pension funds, investment managers and invoice management firms in Norway, Sweden, Denmark and the rest of Europe. 200+ employees (70% software developers) in Bergen, Oslo, Stockholm, Skövde and Aarhus. 115+ financial institutions as customers. 284 MNOK revenue in 2025. ## What Stacc Does Stacc is a Nordic software company headquartered in Bergen, Norway. It builds an **AI-assisted, cloud-native credit and lending platform** for banks and other financial institutions. The platform covers mortgage, consumer, SMB, commercial and asset finance lending, deposits, KYC and AML, and the invoice lifecycle. Stacc calls its approach **credit-native AI**: AI assists the work around a credit decision, while the decision itself follows the bank's explicit rules and can be audited step by step. Stacc has **200+ employees** (70% software developers) in Bergen, Oslo, Stockholm, Skövde and Aarhus, and **115+ financial institutions** as customers. Revenue in 2025 was **284 MNOK**, with 45% from outside Norway. ## Stacc by the Numbers (2025) - **200+ employees**, 70% of them software developers - **5 offices** in three countries: Bergen (HQ), Oslo, Stockholm, Skövde and Aarhus - **115+ financial institutions** as customers - **45+ years** of credit and lending domain experience - **284 MNOK revenue** in 2025, **45%** of it from outside Norway - **6.4% EBITDA margin** in 2025 - **Contracted ARR** growing 35% a year organically - **40% average annual revenue growth** from 2016 to 2025, 55% of it organic (**20% organic CAGR**) - **200+ pre-built integrations** to Nordic financial infrastructure, covering identity verification, registries, credit bureaus, signing, AML, fraud, valuation and tax data - Ownership: 57.0% owned by Amp Eleven in partnership with Verdane; 43.0% owned by the founders, management and others. Verdane has been an investor since 2022. Source: https://www.stacc.com/investor-relations ## Divestment of Escali (2026) Stacc Escali, which covered treasury management, portfolio management, financial risk management and supervisory reporting, moved to Hypergene in 2026. Stacc no longer offers these products. Older sources that mention 280+ customers, 220+ employees or "40 years of experience" describe Stacc before the divestment. URL: https://www.stacc.com/news/escali-is-now-part-of-hypergene ## Recent Customer Wins ### DNB chooses Stacc for mortgages (December 2025) URL: https://www.stacc.com/news/dnb-set-to-revolutionize-mortgages-in-norway-powered-by-stacc DNB, Norway's largest bank, selected Stacc to build a new digital mortgage platform for DNB and Sbanken. The agreement covers much faster loan applications and disbursements, and lets customers manage and adjust their own 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 selects Stacc (December 2025) URL: https://www.stacc.com/news/sbab-selects-stacc-for-mortgage-digitalisation-and-automation SBAB, the Swedish state-owned mortgage bank, became the first Swedish bank to implement Stacc's mortgage solution, to digitalise 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 and AML platform (March 2026) URL: https://www.stacc.com/news/storebrand-bank-selects-stacc-for-new-kyc-aml-platform Storebrand Bank selected Stacc for an automated KYC and AML compliance platform. ### KLP: KYC and AML (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: KYC and AML for B2B and B2C (2024) URL: https://www.stacc.com/news/okq8-selects-aml-kyc-solution-from-stacc OKQ8, the Nordic fuel and card network, selected Stacc for automated and compliant onboarding and origination in Sweden and Denmark. ### Lea Bank: renewed partnership (2024) URL: https://www.stacc.com/news/lea-bank-chooses-stacc-again Lea Bank extended its collaboration with Stacc to automate consumer loans, savings and refinancing in the Nordics. ## Results Customers Report - **Eika Gruppen:** over 70% faster case handling overall and up to 50% faster handling of the most complex cases after moving mortgage and commercial underwriting to Stacc. [Customer story](https://www.stacc.com/who-we-serve/automated-underwriting-at-scale-from-fragmented-processes-to-structured-precision) - **Alektum Group:** 75% less time spent managing client funds and an 88% reduction in time spent handling standard overpayments to debtors. [Customer story](https://www.stacc.com/who-we-serve/alektum-group) - **Nordea Finance:** phone calls to customer service reduced by over 90%. [Customer story](https://www.stacc.com/who-we-serve/nordea-finance) - **Aprila Bank:** 68% revenue growth from 2022 to 2023 and a 15% return on equity, running its onboarding and credit process on Stacc. [Customer story](https://www.stacc.com/who-we-serve/aprila-bank) - **Partnerleasing:** one equipment finance process from lead to signed contract for 15 banks. [Customer story](https://www.stacc.com/who-we-serve/partnerleasing) - **Mortgage Suite:** 80%+ reduction in adviser handling time per complex manual case. [Mortgage Suite](https://www.stacc.com/mortgage-suite) ## Common Questions **What does Stacc do?** Stacc makes software for credit and lending: loan origination, underwriting, servicing, deposits, KYC and AML, and invoice management. Its customers are banks, financing companies, asset finance providers, insurers, pension funds and invoice management firms. **Which banks and lenders use Stacc?** 115+ financial institutions, including DNB, SBAB, Eika Gruppen, Storebrand Bank, KLP, Lea Bank, Nordea Finance, Sparebanken Møre, Avida Finans and Aprila Bank. **Where does Stacc operate?** Stacc has offices in Norway, Sweden and Denmark. Customers also operate in Finland, and the first installation outside the Nordics went live in Spain in 2024. **How does Stacc use AI in credit decisions?** AI reads documents, captures application data in conversation, summarises cases and models scenarios. The credit decision itself follows the bank's explicit rules, so every approval or rejection can be traced to the rules that produced it. Stacc calls this credit-native AI. **How does Stacc support the EU AI Act and DORA?** Credit decisions on Stacc are rule-based and auditable step by step, which is what regulators expect for creditworthiness assessment. Stacc holds ISO/IEC 27001:2022 and ISO 9001:2015 certification and a SOC 2 Type 2 report, and publishes its security posture in its [Trust Center](https://trust.stacc.com). **How long does implementation take?** Stacc Mortgage Origination has a standard SaaS implementation timeline of up to 6 months. Stacc Flow ships with 200+ pre-built integrations to Nordic financial infrastructure, covering identity verification, registries, credit bureaus, signing, AML, fraud, valuation and tax data. **Is Stacc cloud-based?** Yes. Stacc delivers its platform as SaaS on Microsoft Azure. **Does Stacc still offer treasury or risk management software?** No. That business, Stacc Escali, moved to Hypergene in 2026. ## Notable Customers - **Large banks:** DNB, SBAB, Danske Bank Car Finance - **Mortgage and consumer lenders:** Sbanken, Eika Gruppen, Aprila Bank, Lea Bank, Avida Finans - **Pension, insurance and investment:** KLP, Gjensidige Forsikring, Storebrand Bank, Swiss Life Asset Managers Nordic - **Asset finance:** Brage Finans, Nordea Finance, Autolease, Autoplan, Alphabet Denmark, Drivalia Lease Danmark, Ondrive Leasing, Partnerleasing - **Debt collection and invoice management:** Alektum Group - **Commercial banking:** Sparebanken Møre, Nordic Corporate Bank - **Retail and fuel:** OKQ8, Elkjøp Nordic - **Public sector:** Innovation Norway - **Payment infrastructure:** ZTL Payment In total, more than 115 financial institutions use Stacc. ## AI in Lending: Credit-Native AI AI helps prepare a credit decision, and the decision itself follows explicit rules owned by the bank, so when an application is approved or rejected the bank can show which rules and tasks produced the outcome. AI is used for the work around the decision: reading documents, capturing data in conversation, summarising a case and modelling scenarios. Credit logic is kept independent of any one AI model, so a bank can change models without rebuilding its lending system. ### Named AI capabilities - **AI-assisted journeys with deterministic credit outcomes:** automation by default and manual handling by exception. Stacc reports an 80%+ reduction in adviser handling time per complex manual case in the Mortgage Suite. Banks can plug AI models into the decision process through no-code interfaces. - **Deterministic Agentic Lending:** AI agents handle the borrower-facing journey by voice or chat, including data capture and document upload. The language model turns the conversation into structured data that goes through the bank's existing credit policy. - **Verifiable Document AI:** extracts data from PDFs such as payslips, financial statements and contracts. Each extracted fact links to its exact location in the source document, so an adviser can check any data point in seconds and every credit decision stays traceable to its evidence. - **Route-to-Yes:** for borderline applications, models scenarios against the bank's own credit rules (a different term, a lower amount, more collateral) and shows the adviser the closest options that would pass. It works inside the rules and never bypasses them. ### Why it matters for banks 1. **Regulation:** under the EU AI Act, AI systems used to assess creditworthiness are high-risk, with obligations for human oversight, transparency and record-keeping. DORA and Nordic supervisors also expect credit decisions to be explainable and auditable. 2. **Durability:** AI models change quickly while credit policy has to stay stable. Separating the two lets a bank adopt new models without rewriting its lending system. 3. **Accountability:** when a borrower disputes a rejection, the bank can point to the exact rules that produced it. ### Deployments Stacc's credit platform is used by DNB, SBAB, Eika Gruppen (digital mortgage and commercial underwriting across its alliance of local banks), Storebrand Bank, KLP, OKQ8, Lea Bank, Aprila Bank, Alphabet Denmark and Autolease. ## Recognition - **Gartner:** Stacc was named a Sample Vendor for Credit Decision Engines in the Gartner® Hype Cycle® for Bank Lending, 2026, the second consecutive year it appears in the category. URL: https://www.stacc.com/news/stacc-named-a-sample-vendor-for-credit-decision-engines-in-the-2026-gartner-hype-cycle-for-bank-lending - **Chartis Research:** Stacc was named a Disruptor Award winner in the Credit Analytics and Operations category of the Chartis RiskTech100® 2027. URL: https://www.stacc.com/news/stacc-named-risktech100-2027-disruptor-award-winner - **Chartis Research:** Stacc is recognised across five quadrants in the RiskTech Credit Lending Operations Solutions 2026 report, with three Category Leader placements, including loan origination and loan management. URL: https://www.stacc.com/news/chartis-research-names-stacc-a-category-leader-for-loan-origination-and-loan-management Gartner, Hype Cycle for Bank Lending, 2026, Derek Frost, 31 July 2026. Gartner, Hype Cycle for Bank Lending, 2025, Derek Frost, 28 July 2025. GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally, and HYPE CYCLE is a registered trademark of Gartner, Inc. and/or its affiliates and are used herein with permission. All rights reserved. Gartner does not endorse any company, vendor, product or service depicted in its publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner publications consist of the opinions of Gartner's business and technology insights organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this publication, including any warranties of merchantability or fitness for a particular purpose. ## Trust and Compliance - **ISO/IEC 27001:2022:** information security management - **ISO 9001:2015:** quality management - **SOC 2 Type 2:** security and availability attestation - **Eco-Lighthouse (Miljøfyrtårn):** Norwegian environmental management certification - **Trust Center:** https://trust.stacc.com (live security posture, subprocessors and documentation) - **Certifications and Recognitions:** https://www.stacc.com/company/certifications-and-recognitions ## Note on the page excerpts below The sections below are excerpts from stacc.com pages, fetched automatically. Where an excerpt conflicts with the facts above, the facts above are current. ## 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 · Put AI to work. Keep defensible decisions. 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 and more consistent credit underwriting, more efficient disbursements and significantly greater flexibility for borrowers 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 27001:2022 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 a 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 for 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 · Put AI to work. Keep defensible decisions. · Valuable · Assisting 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 By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. ### 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 Mortgage Underwriting 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 Underwriting 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 benchmark figures 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 Asset 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 Collection 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. By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. ## Solutions: Mortgage & Consumer ### Stacc Mortgage Suite — Origination & Management URL: https://www.stacc.com/mortgage-suite Cloud-native mortgage origination and management software for European lenders. AI-assisted journeys, deterministic credit decisions. Trusted by 70+ banks. 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; underwriters focus only on what needs them Cloud-native, API-first and composable: mortgage origination from inquiry to disbursement, and mortgage management across the lifecycle. Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Provide underwriters and advisers a single view of the cases that need their attention. Business rules across multiple parameters, segments and markets Whether the application arrives from an intermediary or through the bank's own channels Automating a high share of tasks across all process steps of mortgage lending Deviation management: for tasks that don't fit the automatic path ### Mortgage Origination Software — AI-Assisted | Stacc URL: https://www.stacc.com/mortgage-suite/mortgage-origination Cloud-native mortgage origination for banks. Country-specific processes, deterministic credit decisions and AI-assisted customer journeys on one platform. Key sections: Modular, highly automated and AI-assisted mortgage origination · End-to-end mortgage origination on one platform · Automation that scales, underwriting that handles the rest · What changes when you run mortgage origination on Stacc · FROM · TO · Narrow automatic track where manual cases stay manual · Automation widens; underwriters focus only on what needs them Automate a high share of applications, onboarding, credit processing and payout on a cloud-native, API-first and composable origination platform. Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Provide underwriters and advisers a single view of the cases that need their attention. whether the application arrives from an intermediary or through the bank's own channels 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 ### Stacc Mortgage Servicing | Automated Loan Servicing Software URL: https://www.stacc.com/mortgage-suite/mortgage-servicing Manage the full mortgage servicing lifecycle—payments, statements, arrears and customer communication—on one automated, cloud-native platform built for scale. 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. By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. ### Stacc Consumer Lending | 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. ## 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 lets merchants provide flexible B2C and B2B financing options for their customers at digital and in-store Points-of-Sale (POS). 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 lets 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 for 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 · 95% process automation · 4-7x operational efficiency · 4x commercial boost Stacc Asset Finance Suite is a flexible and scalable software platform designed to manage the entire lifecycle of asset finance within mobility solutions and equipment. The suite handles every asset from vehicles to hardware, and provides leasing, loan, and hire purchases of all assets. Automate 95%+ of workflows with optimised task sequencing, extensive calculation library, pre-built integrations, document generation, and intelligent processing. Eliminate repeated data entry and enable straight‑through processing for faster, error‑free operations. Boost efficiency across the full asset finance lifecycle - achieving 4-5× faster contracting, 5-7× faster credit underwriting, and saving up to 40 minutes per vehicle in delivery handling. Reduce IT overhead by consolidating 80+ legacy systems into just 3 API‑based products. Grow contract volumes with increased sales reach, faster quoting, and rapid Time‑to‑Yes journeys. Customers report a 4x commercial boost in signed contracts with the same staff in 4 months, climbing into Top 2 market positions within 12 months while reducing support centre demand. Simplify compliance with a complete, one‑click audit trail. Instantly generate reports detailing every step in a case - who did what, when, and what third‑party data was retrieved - ensuring full regulatory readiness. 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. ### 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 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 catalogues, featuring a user-friendly car configuration tool, and including an automated image 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. Full API-integration with JATO. Enable automated workflows with an automated configuration module, that works 24/7. Cut the manual work - embrace automation. ### 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 With an intuitive interface and smart features we streamline the entire sales and administration process of most types of assets, from contract origination to portfolio management within leasing, loans, and hire purchases. The platform 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. The platform 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. Agricultural equipment financing comes with unique complexity - from hire purchase and loan agreements to seasonal leasing arrangements driven by crop cycles, livestock needs, and shifting seasons that differ all around the world. As modern farming operations grow in scale and sophistication, the demand for flexible, short-term financing structures is increasing across the sector, with rising technology advancements. Stacc Asset Finance Suite gives equipment finance providers an edge in a sector where digital transformation still represents a significant competitive advantage. ### 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 · Operational Efficiency · Real-time Portfolio Visibility · Scalability · Partner and dealer integration Stacc Fleet Management supports the complete lifecycle management of a car fleet, including frame agreements, automated workflows, and partner integrations. Explore new markets and offer your corporate customers a fleet module. The solution offers a single invoice per month per customer, allowing for full editorial control of the contract arrangement, enabling fast and efficient fleet management. Automated workflows replace manual processes across contract activation and - management, service agreements, and partners. Live status overview of your fleet, contract status, expiry dates, and finances. Work in a smart SaaS instead of excel sheets. The platform scales with your organizations needs without proportional costs related to more staff or case fees. Direct catalogue integration covering dealers, partners, and service centres, ensuring less friction for fleet users. ## 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 By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. ### 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 · Customer portal · 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 portal 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 customer portal, 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 · Customer portal · Overview · Transactions · Documents · Lifecycle handling of accounts We support the entire lifecycle of deposits. Highly automated, compliant by nature and customer portal 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-term deposit 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 websites. 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 fraud and compliance risk in check and cut manual compliance costs. Stacc Client Lifecycle Management (CLM) for KYC/KYB & AML Management orchestrates compliance risk with integrated KYC/KYB & 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 | Automated Invoice Management Software URL: https://www.stacc.com/invoice-suite/invoice-administration Automate invoicing, payment tracking and reconciliation with Stacc Invoice Administration, part of a connected platform for invoicing, factoring and debt collection. 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. By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. ### 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 · Go from solving daily challenges to customers' real needs · “Doing things right” · “Doing the right things” · Brace for impact. The transformation is here. 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 an API-first, 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 recognising our excellence. Key sections: Certifications and recognitions · Certified to the highest standards · Global recognition and award-winning innovation · Gartner · Gartner recognition · Chartis Research recognition · Recognised by Nordic Fintech Magazine · Recognised by Findexable 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. At Stacc, 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. 2026: Named as a Sample Vendor for Credit Decision Engines in the Gartner® Hype Cycle® for Bank Lending. Read the announcement ## Research & Thought Leadership ### AI in Loan Origination | The case for Credit-Native AI | Stacc URL: https://www.stacc.com/research/ai-in-loan-origination-the-case-for-credit-native-ai 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: seven example use cases · Model-agnostic, by design · What credit-native AI does not do · The underwriter handles what matters · What this means for banks evaluating AI in lending 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 is can we defend this decision to a borrower, 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: AI systems that evaluate creditworthiness are classified as high-risk. Not prohibited, but high-risk. That means a demanding regime of governance, documentation and meaningful human oversight. 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, the underwriter 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. ### The Architecture Behind Yes: Credit-Native AI in Banking URL: https://www.stacc.com/research/the-architecture-behind-yes Why the Swedish lenders winning the next decade win on architecture, not AI use cases. Three principles for credit-native AI and seven patterns to deploy now. Key sections: The Architecture Behind Yes · The pattern the best institutions have found · Three principles that hold from demo to production · Sweden’s advantage, and what is actually missing · What is deployable now · Three objections worth taking seriously · Three questions for your next board meeting · Closing Why the Swedish lenders that win the next decade will win on architecture, not AI use cases. This is a short version of Stacc Sweden’s paper “The Architecture Behind Yes”. By Jimmy Afshar , Country Manager Sweden, Stacc Sweden’s credit industry is moving faster on AI than on the architecture beneath it. After eighteen months in conversations across the market, from universal banks to digital challengers, that is the pattern that sticks. Almost every conversation opens with AI. The ones that stayed with me were about something else: the work that comes before AI. The lenders getting real value from AI did the foundational work first. They raised automation in the deterministic parts of the credit process and cleaned up the core flows, then layered AI on top. The platform was AI-ready before AI was added, and the use cases followed. AI-ready in that sense is not a product feature; it is an architectural property of the credit platform. The institutions that ship something concrete in 2026 are the ones with meaningful AI in production in 2027. Those waiting for the perfect strategy ship the same things eighteen months later, having lost what mattered most: what everyone else learned meanwhile. ### AMLR 2027: A Continuous KYC, KYB & AML Operating Model URL: https://www.stacc.com/research/amlr-2027-from-deadline-to-advantage-designing-a-continuous-kyc-kyb-and-aml-operating-model A practical guide for Nordic obliged entities: how to use the run-up to AMLR Key sections: AMLR 2027: From Deadline to Advantage – Designing a Continuous KYC, KYB and AML Operating Model · A single rulebook changes the question · Why this is an architecture problem · Four pressures AMLR will amplify · What a future-proof KYC, KYB and AML operating model requires · What the new operating model actually buys you · How to use the time until 10 July 2027 Most Nordic obliged entities will treat AMLR as a compliance scramble. The smarter move is to treat it as a decision about how the institution operates, and the time before 2027 is enough to make that decision properly. In 2024 the EU adopted the most significant overhaul of its anti-money-laundering regime to date. At its centre is the Anti-Money Laundering Regulation (AMLR, Regulation (EU) 2024/1624), a directly applicable Single Rulebook that replaces much of the patchwork built up across successive AML directives. Most of its substantive obligations apply from 10 July 2027. Alongside it sit the Sixth AML Directive (AMLD6, Directive (EU) 2024/1640) and the regulation establishing the Anti-Money Laundering Authority (AMLA) in Frankfurt. Together they bring harmonised rules, EU-level supervision of selected high-risk obliged entities and considerably tighter expectations on customer due diligence (CDD), beneficial ownership and ongoing monitoring. For anyone running compliance at a Nordic bank, financing or asset-finance company, lender, insurer, asset manager or regulated card programme, it is tempting to file AMLR under "another deadline". But it forces a decision most institutions have been deferring: whether KYC, KYB, transaction-monitoring alert handling and supervisory reporting carry on in separate systems and separate teams, or finally run as one continuous operating model. That is less a compliance question than an operational one. Institutions that use the window to 2027 to settle it, rather than tick a box, will be cheaper to run and easier to examine once the rules take effect. Each firm should validate the final text against EUR-Lex and its own counsel, but the direction of travel is clear: A harmonised Single Rulebook. AMLR is a regulation, not a directive, so CDD, risk-assessment and record-keeping rules apply uniformly across Member States and narrow the room for national interpretation. ### Buy or Build Mortgage Origination Software? | Stacc URL: https://www.stacc.com/research/evaluating-buy-or-build-for-credit-and-loan-origination-software Even the largest mortgage banks are now choosing Buy. Why the Buy-vs-Build paradigm has shifted — and where Build investment actually belongs. Key sections: Evaluating Buy or Build for Mortgage Origination Software · The signal · Why this is happening · The cloud precedent · The reframe — for every bank, not just the Tier 1s · A more honest decision framework Why the largest mortgage banks are now choosing Buy. For two decades the Buy-vs-Build debate in credit and loan origination has revolved around a single, unresolved trade-off between scalability and flexibility. Modern platforms have now closed that gap — and the largest mortgage banks in Europe, including DNB in Norway, are responding by choosing Buy. The implications run well beyond the Tier 1s. A pattern is emerging in European mortgage lending that warrants close attention. The institutions with the largest balance sheets, the most sophisticated technology functions and the deepest in-house engineering capacity are increasingly arriving at the same conclusion for their underlying mortgage origination platforms: Buy. DNB is the most recent and most visible Nordic example. Norway's largest bank, with a mortgage book of roughly €90bn, completed a thorough evaluation and selected Stacc as the platform to power the next generation of its mortgage origination. The bank publicly described the solution as "the best and most agile on the market — not just in Norway, but internationally as well." The Nordic case is part of a broader European movement. Across markets at very different stages of digital and regulatory maturity — such as Benelux — leading mortgage providers are increasingly opting for modern, third-party origination platforms over continued internal build. The signal is consistent enough across countries to be treated as structural rather than anecdotal. Regulation has stabilised and is increasingly harmonised. Across European mortgage markets, the rules of the road — affordability, suitability, conduct, AML, audit trail, valuation standards — are now well-codified. Whatever competitive advantage once accrued to interpreting regulation differently from peers has largely been arbitraged away. Shared digital infrastructure has matured. Government data rails, broker-to-lender messaging standards, identity providers, qualified electronic signature, automated valuation models and structured income data are now market infrastructure. Building a private version of that infrastructure adds cost, not differentiation. ### 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 powers 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 45+ 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 regulatory 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 · Programme 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 ensure 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 45+ years, with 115+ 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. It 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. ## 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 · Stacc products in use · Other customer stories · Automated payout flows – from manual process to structured precision As Norway's 3rd largest banking group, Eika supports more than 40 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 · Stacc products in use · 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. 88% 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 · Stacc products in use · 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 a fully automated and digitised onboarding process including KYC/AML, scoring, authentication and signing of documents by eID, customer portal 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 · Stacc products in use · 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 such 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 · Stacc products in use · 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 mobility-as-a-service solution for cars. Stacc Core is based on Microsoft Dynamics 365 Business Central, which is fully compatible with other Microsoft products such 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 · Stacc products in use · Other customer stories · Innovation Norway simplifies credit process 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 such 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 · Stacc products in use · 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 Stacc Flow, that enables a seamless and real-time 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 get 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 by over 90%. Nordea Finance offers a wide range of asset finance, sales finance and receivable finance solutions. ### Gjensidige: Insurance for Car Dealers | Stacc URL: https://www.stacc.com/who-we-serve/gjensidige-forsikring Gjensidige has delivered trusted insurance solutions for over 200 years, built on mutual trust and customer commitment. Key sections: Optimised insurance product management for car dealers · The Challenge · The Solution · The Result · Stacc products in use · Other customer stories · Effective online car sales with custom frontend and adaptable backend · An integrated solution making Fleet Management smarter and more efficient for Autolease and its customers. Gjensidige required a platform to manage insurance products sold through car dealerships in Denmark, which also had to integrate seamlessly with one of Denmark's leading online sales platforms. We've provided Gjensidige with a solution that streamlines the management of their insurance products for car dealers via Bilinfo.net, combining backend and frontend systems for product definition and access. The solution offers a user-friendly platform enabling dealers to instantly generate insurance quotes for customers, directly integrating with Gjensidige's ERP system for immediate policy creation. This improves the purchasing experience, allowing for the completion of car insurance sales at the dealership. “Praised for its alignment with our business model and Stacc Bytelab's swift customization response, this collaboration is expanding into further projects to enhance our business” Nicki Ipsen, Project Manager at Gjensidige. The solution allows for the detailed management of insurance products, dealers, and sales channels, ensuring competitive pricing and product variety. Sales channels facilitate brand partnerships and specific dealer connections, enhancing brand-specific insurance sales. Integration with Bilinfo.net via an i-frame enables straightforward product sales and consent processing, streamlining the overall sales process. ### Swiss Life Asset Managers: KYC/AML Compliance | Stacc URL: https://www.stacc.com/who-we-serve/swiss-life-asset-managers-nordic Stacc KYC & AML Management solution covers both CRM and compliance functionalities Swiss Life Asset Management in Norway. Key sections: Digital, compliant onboarding · The Challenge · The Solution · The Result · Stacc products in use · Other customer stories · Onboarding for corporate niche bank customers · Integrated B2B payments When Swiss Life in 2017 (then NRP) wanted to move their business up the digital ladder, they had three motivations cooperating with a digital provider. Firstly, as an investment firm they are subject to the Norwegian Anti-Money Laundering Act, and a solution for handling KYC/AML was necessary. The second motivation was digitisation of customers' interaction, to create user-friendly and seamless processes for their clients. The third motivation was the need for a CRM solution adapted to their needs, connected to other aspects of the customer journey, such as project management onboarding. Based on Swiss Life and their client’s needs, our KYC & AML Management solution with an investor portal for client interaction and overview became the solution. Our KYC & AML Management solution covers both CRM and compliance functionalities, which was precisely what Swiss Life needed. ### Drivalia: Car Leasing Lead Management | Stacc URL: https://www.stacc.com/who-we-serve/drivalia-lease-danmark-a-s Drivalia Denmark needed a competent external partner for an effective and streamlined back-office system to handle various mobility services. Key sections: Drivalia manages multi-channel leads on single platform · The Challenge · The Solution · The Result · Stacc products in use · Other customer stories · Platform change to become Nordic industry leader · The first real-time factoring bank in Norway Initially, Drivalia Denmark intended to implement IT solutions from its Italian parent company but faced challenges from Denmark's complex tax regulations. Consequently, they needed a competent external partner for an effective and streamlined back-office system to handle various mobility services. Stacc provides a backend solution that allows Drivalia to manage leads from various sales channels using a single platform. They can create offers from scratch or customize existing ones from different car dealers and online sales platforms, and then convert them into specific leasing contracts for both short and long terms. All calculations are automatically handled based on predefined value-based matrices. They have access to a vast and real-time updated car catalog from JATO, which includes product pictures, color options, and equipment specifications. Since its launch in January 2023, Drivalia Denmark has become one of the largest leasing companies in Denmark, with an average of over 700 new leasing contracts each month. Drivalia Lease Denmark provides flexible and efficient mobility solutions, from private leasing and short-term rentals to car sharing, subscriptions, electric mobility, and used car sales—pioneering a new, effortless, and global approach to mobility. ## Company & Locations ### Investor Relations | Stacc URL: https://www.stacc.com/investor-relations Stacc is a Nordic fintech company offering a cloud-native credit platform with modular, intelligent and automated capabilities—driven by innovation, focused on Time-to-Value and built with strong compliance and security. Key sections: Investor Relations · Investor highlights · Recurring business model · Scalable operations · World-class platform Stacc is a Nordic financial technology company headquartered in Bergen, delivering a composable, cloud-native credit platform for origination, management and back-office operations. Trusted by 115+ financial institutions including Nordic Tier 1 banks. Stacc helps financial institutions streamline operations, ensure compliance and accelerate digital transformation across mortgage, asset finance, consumer lending, commercial lending, SMB lending, KYC & AML management, deposits, invoice management and financial management. Multi-year Annual Recurring Revenue (ARR) subscription model for mission-critical and integrated enterprise software Contracted ARR growing +35% YoY organically with mature pipeline and clear future visibility AI-resilient business model and strong renewal rates, underpinning through-cycle predictability Revenue growth of +40% per annum over 2016-2025 (20x), of which 55% organically (20% organic CAGR) ### 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 reach. Key sections: Our locations · Norway · Stacc Bergen · Stacc Oslo · Sweden · Stacc Stockholm · Stacc Skövde · Denmark ### Stacc Bergen | Our HQ at Marineholmen 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: Stacc Bergen · 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 | Our office in St. Olavsgate 27 URL: https://www.stacc.com/company/locations/oslo Our Oslo office is just a stone Key sections: Stacc Oslo · Oslo office features · Oslo social activities · Questions? · we move finance forward · Our other locations · Stacc Bergen · Stacc Stockholm Our Oslo office is just a stone's throw from Nationaltheatret metro station and The Norwegian Royal Palace. ### Stacc Stockholm | Östermalm, right by Stureplan 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: Stacc Stockholm · 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 | Our office in Science Park 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 centre in the middle of the city. Key sections: Stacc Skövde · Sweden’s new fintech-metropolis · Skövde office features · Skövde social activities You can find our office in Science Park Skövde, just a 10-minute walk from Skövde travel centre in the middle of the city. In this IT community, lectures for competence development are arranged, as well as entertainment events where you can socialise 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 neighbours 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 resolved and we treat ourselves to a nice break ### Stacc Aarhus | Our office in the historic Rømerhus URL: https://www.stacc.com/company/locations/aarhus Stacc Bytelab resides in the historical Rømerhus building, right in the city Key sections: Stacc Aarhus · 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 address · Our other locations 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 in 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. By submitting this form, I understand that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. Stacc also records how I found the site, such as the campaign or ad I came from. See our privacy and cookie policy for more info. 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.