{"id":7929,"date":"2019-01-21T18:33:00","date_gmt":"2019-01-21T18:33:00","guid":{"rendered":"https:\/\/p-c72cr2.project.space\/?post_type=customers&#038;p=7929"},"modified":"2025-11-13T16:37:25","modified_gmt":"2025-11-13T16:37:25","slug":"geringeres-kreditrisiko-unternehmenskunden-vw","status":"publish","type":"customers","link":"https:\/\/www.actico.com\/de\/customers\/geringeres-kreditrisiko-unternehmenskunden-vw\/","title":{"rendered":"VW Financial Services &amp; ACTICO"},"content":{"rendered":"\n<section id=\"m-media-text__container-block_a58bc21e126793b09e718265981f179e\" class=\"m-media-text__container u-pt-x10 u-pb-x10 u-pt-x20@md u-pb-x20@md u-bgcolor-glow-right-mb-rb\">\n    <div class=\"o-container u-relative\"><div class=\"o-grid o-grid--rev o-grid--middle\">\n            <div class=\"o-grid__col u-4\/12@md u-mb-x6 u-mb-x0@sm\" data-aos=\"none\">\n                <img decoding=\"async\" src=\"\" width=\"\" height=\"\" sizes=\"(max-width: 640px) 100vw, 640px\" alt=\"\" class=\"\"  \/>\n            <\/div>\n            <div class=\"o-grid__col u-8\/12@md\" data-aos=\"none\">\n                <h5>VW Financial Services &amp; ACTICO<\/h5>\n<h1>Zentralisiertes Kreditrisiko-Rating mit der ACTICO Credit Risk Platform<\/h1>\n<p style=\"text-align: left;\"><a class=\"c-btn c-btn__electric-blue u-mt-x3\" href=\"https:\/\/www.actico.com\/de\/unternehmen\/kontakt\/\">Kontakt aufnehmen<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Kfz-Finanzierung | Bilanzanalyse | Europa<\/p>\n\n            <\/div>\n        <\/div><\/div>\n<\/section>\n\n\n<section id=\"m-testimonial__container-block_96f899bca47a953d03f8b61714c767d1\" class=\"m-testimonial__container u-pt-x5 u-pb-x10 u-pt-x10@md u-pb-x20@md u-bgcolor-royal-blue\">\n    <div class=\"o-container u-relative\"><div class=\"o-grid o-grid--center\">\n                <article class=\"o-grid__col u-10\/12@md u-text-center\" data-aos=\"flip-up\"><div class=\"u-bgcolor-royal-blue u-p-x5 u-p-x10@md\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/06\/quote-electric-blue.svg\" width=\"91\" height=\"90\" sizes=\"auto, (max-width: 90px) 100vw, 90px\" alt=\"wegewhweh\" class=\"u-mb-x4 u-mb-x7@md\"  \/><blockquote class=\"h4\">Von der Stange gibt es da nichts. Schlie\u00dflich ist das Rating ein Bereich, in dem die Banken sich tats\u00e4chlich vom Wettbewerb unterscheiden.<\/blockquote><p class=\"u-weight-bold u-mb-x0\">Project Manager Risiko Management<\/p><p class=\"u-mb-x0\">Volkswagen Financial Services<\/p><\/div><\/article>\n        <\/div>\n    <\/div>\n<\/section>\n<div class=\"m-parallax__shape u-border--gradient\"><\/div>\n\n\n<section id=\"m-text__container-block_3e160b80a88c0b77fa1d17df579b2416\" class=\"u-relative m-text__container u-pt-x10 u-pb-x0 u-pt-x20@md u-pb-x0@md u-color-midnight-blue u-bgcolor-linear-y-mb-rb\"><div class=\"o-container u-relative\"><div class=\"u-bgcolor-white u-p-x5 u-p-x10@md\"><div class=\"o-grid\">\n                <div class=\"o-grid__col u-4\/12@md\" data-aos=\"fade-up\">\n                    <h2 class=\"u-color-royal-blue\">Challenge<\/h2>\n\n                <\/div>\n                <div class=\"o-grid__col u-8\/12@md\" data-aos=\"fade-up\">\n                    <ul>\n<li>Einf\u00fchrung der ACTICO Credit Risk Management Platform f\u00fcr die Kreditrisikobewertung im Firmenkundensegment (z.B. H\u00e4ndler und Flottenkunden) und Roll-Out in \u00fcber 25 Landesgesellschaften<\/li>\n<li>Integration mit Kernbankensystem zur Synchronisation von Kundenstammdaten und -beziehungen (z.B. Kreditnehmereinheiten, Haftungsverb\u00fcnde)<\/li>\n<li>Implementierung ACTICO Bilanzanalyse-Modul zur Erfassung, Umgliederung und Auswertung von Jahresabschl\u00fcssen<\/li>\n<li>Integration der VW FS-internen Rating-Verfahren und Rating-Workflows<\/li>\n<li>\u00dcberwachung des Kreditportfolios durch Einf\u00fchrung eines Fr\u00fchwarnsystems f\u00fcr Kreditrisiken<\/li>\n<\/ul>\n\n                <\/div>\n        <\/div><\/div><\/div>\n<\/section>\n\n\n<section id=\"m-text__container-block_b51c9092af1413d0732f9958f1f9fb9c\" class=\"u-relative m-text__container u-pt-x5 u-pb-x0 u-pt-x10@md u-pb-x0@md u-color-midnight-blue u-bgcolor-linear-y-mb-rb\"><div class=\"o-container u-relative\"><div class=\"u-bgcolor-white u-p-x5 u-p-x10@md\"><div class=\"o-grid\">\n                <div class=\"o-grid__col u-4\/12@md\" data-aos=\"fade-up\">\n                    <h2 class=\"u-color-royal-blue\">Solution<\/h2>\n\n                <\/div>\n                <div class=\"o-grid__col u-8\/12@md\" data-aos=\"fade-up\">\n                    <h4>ACTICO Produkte im Einsatz<\/h4>\n<p><a class=\"u-color-royal-blue\" href=\"https:\/\/www.actico.com\/de\/loesungen\/credit-risk-management\/\">Credit Risk Management Platform<\/a><\/p>\n\n                <\/div>\n        <\/div><\/div><\/div>\n<\/section>\n\n\n<section id=\"m-text__container-block_57b0f71c6330337dabff72b6e6c43960\" class=\"u-relative m-text__container u-pt-x5 u-pb-x10 u-pt-x10@md u-pb-x20@md u-color-midnight-blue u-bgcolor-linear-y-mb-rb\"><div class=\"o-container u-relative\"><div class=\"u-bgcolor-white u-p-x5 u-p-x10@md\"><div class=\"o-grid\">\n                <div class=\"o-grid__col u-4\/12@md\" data-aos=\"fade-up\">\n                    <h2 class=\"u-color-royal-blue\">Impact<\/h2>\n\n                <\/div>\n                <div class=\"o-grid__col u-8\/12@md\" data-aos=\"fade-up\">\n                    <ul>\n<li>Umfassende L\u00f6sung f\u00fcr das Kreditrisikomanagement, einschlie\u00dflich Stammdatenmanagement, quantitative und qualitativer Risikobewertung und \u00dcberwachung von Kreditrisiken<\/li>\n<li>Mandantenf\u00e4hige, zentrale Anwendung, die weltweit durch die Landesgesellschaften der VW FS verwendet werden kann<\/li>\n<li>Schnelle und flexible Implementierung und Pflege der Rating-Modelle mithilfe eines grafischen \u201eDrag-and-Drop\u201c-Regeleditors<\/li>\n<li>Vollst\u00e4ndige Einhaltung der regulatorischen Anforderungen (z.B. CRR \/ CRD, BCBS, DSGVO)<\/li>\n<\/ul>\n\n                <\/div>\n        <\/div><\/div><\/div>\n<\/section>\n\n\n<section id=\"m-media-text__container-block_85f0abdf19d05737ae8a5c6b21a72f38\" class=\"m-media-text__container u-pt-x10 u-pb-x10 u-pt-x20@md u-pb-x20@md u-color-midnight-blue u-bgcolor-shade\">\n    <div class=\"o-container u-relative\"><div class=\"o-grid o-grid--middle\">\n            <div class=\"o-grid__col u-4\/12@md u-mb-x6 u-mb-x0@sm\" data-aos=\"fade-up\">\n                <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/07\/35.svg\" width=\"300\" height=\"225\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" alt=\"ACTICO client VW\" class=\"\"  \/>\n            <\/div>\n            <div class=\"o-grid__col u-8\/12@md\" data-aos=\"fade-up\">\n                <h4 class=\"u-color-royal-blue\">\u00dcber das Unternehmen<\/h4>\n<p>Die Volkswagen Financial Services (VW FS) sind das Finanzdienstleistungsunternehmen und Absatzf\u00f6rderer des Volkswagen Konzerns. Als weltweit gr\u00f6\u00dfter automobiler Finanzdienstleister sind die Volkswagen Financial Services in 48 M\u00e4rkten aktiv.<\/p>\n\n            <\/div>\n        <\/div><\/div>\n<\/section>\n\n\n<section id=\"m-text__container-block_f624c51e2643b1d7b38ccd4a71151bdb\" class=\"u-relative m-text__container u-pt-x10 u-pb-x10 u-pt-x20@md u-pb-x20@md u-bgcolor-royal-blue\"><div class=\"o-container u-relative\"><div class=\"o-grid\">\n                <div class=\"o-grid__col u-12\/12@md\" data-aos=\"none\">\n                    <h5 style=\"text-align: center;\">Kontakt<\/h5>\n<h3 style=\"text-align: center;\">Fragen zu unserer Credit Risk Management Platform?<br \/>\nSprechen Sie mit unseren Experten.<\/h3>\n<p style=\"text-align: center;\"><a class=\"c-btn c-btn__electric-blue u-mt-x3\" href=\"https:\/\/www.actico.com\/de\/unternehmen\/kontakt\/\">Kontakt aufnehmen<\/a><\/p>\n\n                <\/div>\n        <\/div><\/div>\n<\/section>\n\n<section\n  id=\"m-filter__container-block_33bbe56e291db9c9ce18fc04562b57aa\"\n  class=\"u-relative u-pt-x10 u-pb-x10 u-pt-x20@md u-pb-x20@md u-bgcolor-skyfall-mb-to-rb\"\n  data-industry=\"\"\n  data-process=\"81\"\n  data-other-tag=\"\"\n>\n  <div class=\"o-container u-relative\">\n        \n    <div class=\"o-grid\">\n      <div class=\"o-grid__col\">\n        <!-- MOBILE: Dropdown (sichtbar auf < sm) -->\n        <div class=\"u-mb-x3 u-hidden@sm\">\n          <label class=\"u-visually-hidden\" for=\"m-filter__container-block_33bbe56e291db9c9ce18fc04562b57aa-format-select\">\n            Filter          <\/label>\n          <select id=\"m-filter__container-block_33bbe56e291db9c9ce18fc04562b57aa-format-select\"\n                  class=\"m-filter__select u-full--width\"\n                  data-role=\"format-select\">\n            <option value=\"\" selected>\n              All            <\/option>\n                            <option value=\"case-de\"\n                        >\n                  Case                <\/option>\n                            <option value=\"video-de\"\n                        >\n                  Demo Video                <\/option>\n                            <option value=\"landing-page\"\n                        >\n                  Landing Page                <\/option>\n                            <option value=\"news-de\"\n                        >\n                  News                <\/option>\n                            <option value=\"webinar-de\"\n                        >\n                  Webinar                <\/option>\n                      <\/select>\n        <\/div>\n\n        <!-- DESKTOP\/TABLET: Buttons -->\n        <div class=\"u-hidden u-block@sm\">\n          <ul data-role=\"format-buttons\" class=\"m-filter__buttons u-mb-x3\">\n            <li class=\"u-m-x1\">\n              <a href=\"#\" class=\"m-filter--active u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"\">\n                All              <\/a>\n            <\/li>\n                                <li class=\"u-m-x1\">\n                      <a href=\"#\" class=\"m-filter__button u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"case-de\">\n                        Case                      <\/a>\n                    <\/li>\n                                <li class=\"u-m-x1\">\n                      <a href=\"#\" class=\"m-filter__button u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"video-de\">\n                        Demo Video                      <\/a>\n                    <\/li>\n                                <li class=\"u-m-x1\">\n                      <a href=\"#\" class=\"m-filter__button u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"landing-page\">\n                        Landing Page                      <\/a>\n                    <\/li>\n                                <li class=\"u-m-x1\">\n                      <a href=\"#\" class=\"m-filter__button u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"news-de\">\n                        News                      <\/a>\n                    <\/li>\n                                <li class=\"u-m-x1\">\n                      <a href=\"#\" class=\"m-filter__button u-flex u-ai-center u-jc-center u-ph-x3 u-pv-x4 u-text-center u-weight-semibold u-full--width u-full--height\" data-slug=\"webinar-de\">\n                        Webinar                      <\/a>\n                    <\/li>\n                      <\/ul>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"o-grid o-grid--x3 m-filter__results\">\n      \n    <article class=\"o-grid__col u-6\/12@xs u-4\/12@md u-3\/12@lg u-mb-x3\">\n        <a href=\"https:\/\/www.actico.com\/de\/news\/actico-baut-portfolio-weiter-aus-integration-von-fact-starkt-marktposition\/\" class=\"m-teaser__\">\n            <figure class=\"u-color-midnight-blue u-bgcolor-white u-flex u-fd-col u-full--height\"><figure class=\"u-image__teaserIcon u-flex u-ai-center u-jc-center u-p-x4\" style=\"background: url(https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/format-report-bg.jpg) no-repeat center \/ cover\"><img decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/AC_news_white.svg\" alt=\"News Icon\" \/><\/figure><figcaption class=\"u-flex u-fd-col u-fg-1 u-p-x4\"><p class=\"o-type-small u-color-royal-blue u-weight-medium u-uppercase u-mb-x2\">News<\/p><p class=\"u-weight-bold u-mb-x2\">ACTICO baut Portfolio weiter aus: Integration von Fact st\u00e4rkt Marktposition<\/p><div class=\"u-mt--auto\"><\/div>\n                <\/figcaption>\n            <\/figure>\n        <\/a>\n    <\/article>\n    <article class=\"o-grid__col u-6\/12@xs u-4\/12@md u-3\/12@lg u-mb-x3\">\n        <a href=\"https:\/\/www.actico.com\/de\/event\/actico-round-table-credit-2026\/\" class=\"m-teaser__\">\n            <figure class=\"u-color-midnight-blue u-bgcolor-white u-flex u-fd-col u-full--height\"><figure class=\"u-image__teaserIcon u-flex u-ai-center u-jc-center u-p-x4\" style=\"background: url(https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/format-report-bg.jpg) no-repeat center \/ cover\"><img decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/AC_event_white.svg\" alt=\"Live Event Icon\" \/><\/figure><figcaption class=\"u-flex u-fd-col u-fg-1 u-p-x4\"><p class=\"o-type-small u-color-royal-blue u-weight-medium u-uppercase u-mb-x2\">Live Event<\/p><p class=\"u-weight-bold u-mb-x2\">ACTICO Round Table\u00a0Credit\u00a02026\u00a0<\/p><p>ACTICO l\u00e4dt zum exklusiven Round Table Credit 2026 ein: Austausch zu KI, Trusted AI und Agentic AI im Credit Risk Management am 16.09.2026 in Frankfurt.<\/p><div class=\"u-mt--auto\"><\/div>\n                <\/figcaption>\n            <\/figure>\n        <\/a>\n    <\/article>\n    <article class=\"o-grid__col u-6\/12@xs u-4\/12@md u-3\/12@lg u-mb-x3\">\n        <a href=\"https:\/\/www.actico.com\/de\/event\/tech-user-group-schweiz-2026\/\" class=\"m-teaser__\">\n            <figure class=\"u-color-midnight-blue u-bgcolor-white u-flex u-fd-col u-full--height\"><figure class=\"u-image__teaserIcon u-flex u-ai-center u-jc-center u-p-x4\" style=\"background: url(https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/format-report-bg.jpg) no-repeat center \/ cover\"><img decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/AC_event_white.svg\" alt=\"Live Event Icon\" \/><\/figure><figcaption class=\"u-flex u-fd-col u-fg-1 u-p-x4\"><p class=\"o-type-small u-color-royal-blue u-weight-medium u-uppercase u-mb-x2\">Live Event<\/p><p class=\"u-weight-bold u-mb-x2\">Tech\u00a0User Group Schweiz: Neue KI-Funktionalit\u00e4ten. Praxis-Insights. Pers\u00f6nlicher Austausch.<\/p><p>Am 15.09.2026 in Z\u00fcrich: ACTICO Kunden erhalten Einblicke in neue KI-Funktionalit\u00e4ten, Roadmap und Praxisbeispiele der Decision Management Platform.<\/p><div class=\"u-mt--auto\"><\/div>\n                <\/figcaption>\n            <\/figure>\n        <\/a>\n    <\/article>\n    <article class=\"o-grid__col u-6\/12@xs u-4\/12@md u-3\/12@lg u-mb-x3\">\n        <a href=\"https:\/\/www.actico.com\/de\/blog\/wie-compliance-auf-ki-agenten-llms-und-datenhoheit-blickt\/\" class=\"m-teaser__\">\n            <figure class=\"u-color-midnight-blue u-bgcolor-white u-flex u-fd-col u-full--height\"><figure class=\"u-image__teaserIcon u-flex u-ai-center u-jc-center u-p-x4\" style=\"background: url(https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/format-report-bg.jpg) no-repeat center \/ cover\"><img decoding=\"async\" src=\"https:\/\/www.actico.com\/wp-content\/uploads\/2025\/08\/AC_blog_white.svg\" alt=\"Blog Icon\" \/><\/figure><figcaption class=\"u-flex u-fd-col u-fg-1 u-p-x4\"><p class=\"o-type-small u-color-royal-blue u-weight-medium u-uppercase u-mb-x2\">Blog<\/p><p class=\"u-weight-bold u-mb-x2\">Wie Compliance auf KI-Agenten, LLMs und Datenhoheit blickt<\/p><p>Compliance von Banken und Versicherern setzt auf KI-Agenten, LLMs und Cloud. Kosten und Datensouver\u00e4nit\u00e4t als Entscheidungsfaktoren.<\/p><div class=\"u-mt--auto\"><p class=\"o-type-small u-color-royal-blue u-weight-medium u-mb-x0\">Compliance<\/p><p class=\"o-type-small u-color-royal-blue u-weight-medium u-mb-x0\">AI<\/p><\/div>\n                <\/figcaption>\n            <\/figure>\n        <\/a>\n    <\/article>    <\/div>\n\n    <div class=\"o-grid\">\n      <div class=\"o-grid__col\">\n        <nav class=\"u-text-right\">\n          <ul class=\"m-filter__pagination o-list o-list--inline o-list---x1\"><\/ul>\n        <\/nav>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n  \/\/ Scope everything to *this* module instance using the server-rendered ID\n  const sectionEl = document.getElementById('m-filter__container-block_33bbe56e291db9c9ce18fc04562b57aa');\n  if (!sectionEl) return;\n\n  const resultsContainer    = sectionEl.querySelector('.m-filter__results');\n  const filterLinksWrap     = sectionEl.querySelector('[data-role=\"format-buttons\"]') || sectionEl.querySelector('.m-filter__buttons');\n  const filterLinks         = filterLinksWrap ? filterLinksWrap.querySelectorAll('a') : [];\n  const paginationContainer = sectionEl.querySelector('.m-filter__pagination');\n  const formatSelect        = sectionEl.querySelector('[data-role=\"format-select\"]');\n\n  function loadResults(format = '', page = 1) {\n    if (!resultsContainer) return;\n    resultsContainer.classList.add('m-filter__results--fadeout');\n\n    const xhr = new XMLHttpRequest();\n    xhr.open('POST', 'https:\/\/www.actico.com\/wp-admin\/admin-ajax.php', true);\n    xhr.setRequestHeader('Content-Type', 'application\/x-www-form-urlencoded; charset=UTF-8');\n\n    \/\/ Read the prefilter IDs from this block's data-* attributes\n    const industry = sectionEl.getAttribute('data-industry') || '';\n    const process  = sectionEl.getAttribute('data-process') || '';\n    const otherTag = sectionEl.getAttribute('data-other-tag') || '';\n\n    xhr.onload = function () {\n      if (xhr.status === 200) {\n        try {\n          const response = JSON.parse(xhr.responseText);\n\n          \/\/ Replace only within this block\n          resultsContainer.innerHTML = response.html || '';\n          resultsContainer.classList.remove('m-filter__results--fadeout');\n\n          \/\/ Persist state for pagination\n          resultsContainer.dataset.page     = String(page);\n          resultsContainer.dataset.format   = format || '';\n          resultsContainer.dataset.industry = industry;\n          resultsContainer.dataset.process  = process;\n          resultsContainer.dataset.otherTag = otherTag;\n\n          renderPagination(Number(response.max_page || 1), page);\n        } catch (e) {\n          resultsContainer.innerHTML = '<p>Invalid response.<\/p>';\n          resultsContainer.classList.remove('m-filter__results--fadeout');\n        }\n      } else {\n        resultsContainer.innerHTML = '<p>Error loading.<\/p>';\n        resultsContainer.classList.remove('m-filter__results--fadeout');\n      }\n    };\n\n    const body =\n      `action=filter_by_format`\n      + `&page=${encodeURIComponent(page)}`\n      + `&format=${encodeURIComponent(format || '')}`\n      + `&industry=${encodeURIComponent(industry)}`\n      + `&process=${encodeURIComponent(process)}`\n      + `&other_tag=${encodeURIComponent(otherTag)}`;\n\n    xhr.send(body);\n  }\n\n  function setActiveButtonBySlug(slug) {\n    if (!filterLinks || !filterLinks.length) return;\n    filterLinks.forEach(l => l.classList.remove('m-filter--active'));\n    const match = Array.from(filterLinks).find(l => (l.getAttribute('data-slug') || '') === slug);\n    (match || filterLinks[0]).classList.add('m-filter--active');\n  }\n\n  function setSelectBySlug(slug) {\n    if (!formatSelect) return;\n    const val = slug || '';\n    formatSelect.value = val;\n  }\n\n  function renderPagination(maxPage, currentPage) {\n    if (!paginationContainer) return;\n    const total = Math.max(1, parseInt(maxPage, 10) || 1);\n    let html = '';\n\n    for (let i = 1; i <= total; i++) {\n      html += `<li class=\"o-list__item u-mv-x1\">\n                  <a href=\"#\" class=\"u-p-x2 ${i === currentPage ? 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