Retail Loans Factory - Building a best-in-class Loans Business

Retail Loans Factory - Building a best-in-class Loans Business

1 June 2016

Atos, together with Worldline, European market leader in payments and transactional services, and Circeo, a pioneer in the development of next generation retail loans software, announced a preferred global partnership agreement to provide a complete Software-as-a-Service and Business Process Services solution to Banks for the consumer finance value chain.


Consumer finance is being transformed by the digital revolution such that consumers want to be able to secure loan funding at attractive rates in real time through online and mobile channels.   Banks want to be able to launch compelling new marketing offers in days to support new partner channels, and reduce costs per loan to enhance profitability.  The combined value of Atos and Circeo will allow for the provision of an industry leading retail loans business solution. Consisting of next generation software which can be customized to individual bank requirements with zero IT coding, and end-to-end IT, Cloud and business process services.  The aim is be the number one choice and reference for target customers in Financial Services and other markets.  


The global agreement will focus initially on assisting European banking institutions and their international operations, who will benefit from accelerated implementation of more agile and efficient retail loans business models, that drive new revenue streams. By consuming the solutions as a business processing service, financial institutions can concentrate on their core banking business.


“With FinTechs targeting the loans market with new B2C solutions, financial Institutions need highly agile and cost efficient business solutions to remain competitive.  Atos is already an industry leader in this business managing over 2 million loan contracts in Europe.  Together with Circeo we have designed a leading edge solution, with rapid implementation and usage based contracts.  This delivers accelerate introduction of new consumer finance business models for Banks, therefore we are pleased to announce this innovative partnership with Circeo” Daniel Cohen, SVP - Global Financial Services & Insurance at Atos.


“This exciting strategic partnership combines the strengths of two market leading organisations to deliver innovative solutions to banks as they look for new ways to service their customers.” Laurent Clerc, CEO, Circeo.




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Adam Fisher
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