OCS
Who is OCS
Based in Milan, Brescia, Turin, Madrid and Mexico City, OCS is a leading digital partner in the banking and financial sector.
Since 1984, the company has supported the evolution of the market. Today, with a solid experience and deep knowledge of the different processes, OCS works alongside its customers to guide them through the LendTech revolution, redesigning with them the 'consumer finance' models thanks to the most advanced modular digital solutions.
The OCS suite enables an omnichannel offering which includes Personal Loans, Finalised Loans, salary-backed loan/ severance pay, BNPL, Digital Nano Loans, Credit Cards and Revolving Credit Lines, Lifetime Mortgage Loans, Leasing, Long-Term Rental.
OCS offers the opportunity to establish stronger relationships with end customers, taking advantage of the introduction of new processes and technologies. In addition to know-how and the ability to develop and integrate, OCS combines expertise and consultancy in compliance with current European regulations and standards.
The company has developed an international growth and expansion plan that now ensures a strong presence in Italy, Spain and Mexico.
As part of its development plan, OCS has also finalised important acquisitions that have enabled the company to extend its range of solutions and services: these include the acquisitions of the fintechs Talentomobile in 2021 and REDO in 2022.
Currently, more than 50 banks and financial players have chosen OCS and 70 per cent of the most important Italian banks have adopted its solutions.
Mission
OCS's mission is to reshape the consumer finance paradigm through expertise and solutions developed to meet the needs of end users.
The aim is to accelerate the innovation-driven development process, in order to operate as a true Digital Lending Hub for European and global financial institutions, representing a bridge between traditional and new banking.
OCS enables traditional banks to be more competitive by accompanying them along the digital transformation path, equipping them with new functionalities and designing modular end-to-end, cost-effective and technologically advanced solutions.
Technology
OCS develops modular digital solutions to meet customers' needs in the consumer finance sector, working with corporate partners and technology players to deliver the best possible experience.
The unique solidity of the back-end platform and the company's specialised know-how in the world of e-commerce financing and smart/digital lending enable new business models and reformulate the relationship between bank and customer: bankers' processes are simplified by reducing manual and repetitive steps, software interfaces are more user-friendly, and greater inclusiveness is enabled by giving unbanked individuals access to personal credit.
The OCS suite is designed to manage B2B and B2C consumer finance operations in the Italian market and in the main European countries. E2E management of the main forms of consumer credit is envisaged, including customer onboarding, customer qualification, loan management, after-sales activities, credit recovery, compliance/regulation, accounting and financial statements, and reporting for the Central Bank and other institutional bodies.
The extensive APIs-based architecture ensures fast and safe integration of any digital application and provides the widest range of financial services, including personal and special purpose loans, salary-backed loan, severance pay, credit cards, revolving overdraft lines, BNPL, digital nano-landing and much more. With parametric structures that do not require continuous development, OCS offers high flexibility, incorporating deep expertise in Core Banking systems integration.
OCS has obtained the ISO 9001:2015 and ISO 27001:2017 certifications issued by Kiwa Cermet Italia. This ensures the quality of the management system, information security, as well as comply with privacy and personal data. It also provides greater clarity to customers and partners on the best practices implemented regarding GDPR.
Sustainability
Always attentive to ESG issues, OCS aims to reinforce its commitment to sustainability through a structured path, so as to effectively respond to market demands, increase transparency and integrate CSR into management strategy.
To this end, OCS has started the process of defining the Sustainability Plan and drafting the first Sustainability Report for the financial year 2021, as well as setting up a dedicated ESG committee.
Not only that. The energy used by OCS comes from renewable sources and, in 2021 alone, CO2 emissions into the atmosphere were reduced by more than 80 tons.
Since 2020, OCS has obtained A2A's 100% GREEN certification every year.
More info on www.ocsnet.it