Cupulis is a system for analyzing customer needs based on transaction data & account data. It not only identifies what a customer might want - such as a new e-bike - but also suggests to the bank that it should offer this customer a suitable loan along with a suitable product offer with a discount.
Using an innovative data model, we analyze the entire customer base and their transaction behavior to create a psychological profile for each individual customer. A key focus is on determining the customer’s propensity to use credit.
Based on these profiles, we precisely identify specific needs and desires—whether it’s a loan for a bicycle, a car, a house, or other consumer goods. Naturally, bank products such as savings plans, insurance, or retirement solutions can also be recommended as suitable options.
Based on creditworthiness, the model suggests that the bank offer its own customer an appropriate loan—combined with a specific product offering that the customer can purchase with the loan. The product may come from a partner retailer and includes an attractive discount.
Many people hesitate to take out a loan—even when they have excellent credit. Often, it’s not just a lack of trust, but also a missing sense of purpose: a clear understanding of how a loan can be used wisely and responsibly. Yet targeted lending is a vital component of a healthy, market-based economy. Our solution helps banks bridge this gap by using data-driven analysis to connect secure lending with real needs—thus sustainably promoting both economic growth and people’s quality of life.
Databek is more than just an analytics company—we also develop scientific models to describe and forecast security prices, particularly stock prices. The insights we gain from this work are made available to a broad investor community through various platforms.
At www.aktiendna.de, we present in-depth analyses of selected stocks to provide investors with well-founded support for their investment decisions. – A platform offering comprehensive analyses of individual stocks, including forecasts.
For active traders, we offer innovative trading signals, available viawww.aktiendna.de, to smartly support daily trading decisions. Trading Signals – Designed for professionals aiming to anticipate future stock movements with precision.
Finanzhefte.de features digital publications that offer ready-made stock portfolios and investment ideas bundled into curated packages. – Whether beginner or expert, our publications provide solutions to all common challenges faced by stock investors.