FinTecSystems is specialized on a fully automated financial analysis based on online banking information and provides a precise evaluation of a consumer’s creditworthiness. The only thing the consumer needs to do is to login into his/her online banking on the website of the financial provider. Hence FinTecSystems enables banks, financial and payment service providers to take the credit decision in realtime as well as to examine and to minimize credit risks. As a result financial approval processes become faster, easier and finally digital: As it took days or even weeks until the credit approval in the past, since huge loads of documents e.g. payslips and bank account statements needed to be scanned and sent manually, the creditworthiness check with FinTecSystems is completed in just a few seconds.