Pegaso 2000

The facilitated world asks new questions

Thanks to the implementation of the MASTER Module, Pegaso 2000 enriches the platform agevolo.it, with the intention to answer in an increasingly dynamic and complete way to the evolutions in terms of facilitation

Every day, for over twenty years, Pegaso 2000 couples skills with the value of the continuous functional upgrading and the experience of specialized technicians always focused on technological innovation. From this coupling and the establishment of the “end-to-end” service model, the platforms agevolo.it, credilo.it, as well as the ABACO suite, which since 2021 has integrated the offer of excellencies of the Dedagroup group, were born. "The overall scenario, in addition to renewed employment opportunities related to concessional finance initiatives, will confirm the operational stress to which financial intermediaries and banks have already been called upon to respond to manage the systemic emergencies of recent years. For the market players, this will mean facing, in an increasingly structured way, a higher request volume by their partners and clients, adopting smart lending oriented policies and investing with dynamism and adaptability to new frameworks with agile and efficient processes - says Riccardo Dentini, Chief Innovation Officer of Pegaso 2000. The competitive value of Pegaso 2000 has been given by the deep experience in the management of banking processes and by the knowledge of the main concession laws, skill that has brought said platforms to be benchmarks recognized on the market.

Business accelerator

In fact, public concessions receive frequent modifications, updates, news that are can often be interpretable and not very clear. «A “layer software” that encapsulates this type of knowledge built over the years is difficult to replicate easily - highlights Dentini. The platform of agevolo.it, by being able to secure the operative aspects of the concession management, has showed to function even as a business accelerator, allowing clients to widen the offer of services based on this type of operation, toward their clientèle and toward this prospect».

Toward increasingly flexible platforms

The creation by the EU of new forms of help, based on increasingly complex financial tools and that always try, as they should, to reach the correct type of beneficiaries, along with continuous changes to regulations, has brought the players involved to use flexible platforms. But, at the same time, decisive with regard to target activities. "In this context, agevolo.it, in adherence to the dynamics of the regulatory framework, provides bidirectional support," Dentini points out, "both in the acquisition process and in the granting process, managing facilities in c/guarantee and in c/contribution.

Time-to-market at the center of attention

Pegaso 2000 is refining its solutions even more, because the goal is to respond in an increasingly dynamic and complete way to every stress that might come in terms of aid. By avoiding verticalization on single themes that might involve significant efforts, in terms of time-to-market and consequent management of the product. «This very attention to time-to-market - continues Dentini - is one of the drivers that guides us in realizing cutting edge platforms characterized by a strong flexibility».

A new dynamic approach

Among the news introduced on the market, the implementation of the MASTER Module inside the agevolo.it platform stands out. Its goal is to introduce a particularly dynamic approach to themes tied to aided finance, allowing, in contained starting times, to manage the applicative needs tied to different types of intervention introduced by the designated Entities. «The goal is to manage all the aids made available by Entities toward Institutions (credit, financial, leasing, factoring, insurance, etc.) – states Roberto Faraghini, Aided Finance Manager of Pegaso 2000. In particular, with an appropriate level of configurability, facilitations with various types of contributions are dealt with, such as, for example, interest account, capital account, guarantee account."

The advantage: digitalization of processes

The module covers the path of practices tied to this concessions, through the different characteristic phases of the specific regulation. «By collaborating and interoperating with the already existing modules in the platform’s infrastructure, the MASTER Module, contrary to other applications, sets the goal to treat in an “horizontal” way the different Entities, Regulations and Types of incentives combinations - continues Faraghini. The main advantage is the one offered by the digitalization of processes normally managed outside the procedure. The banks usually have core systems for the management of contracting, stipulation, deliberation and disbursement (funding systems), but they are often open on the aiding part on which, however, are based many products offered to their clientèle. This both for reasons tied to the “underestimation” of the problem, and the complexity expected by different concession laws».

Less risks, short times and interoperability

The adoption of these platforms allows, in general, to reduce drastically the operative risk, , and in particular, the risks tied to the invalidity of the collateral or the revocation of the contribution. «Other innovative values are: on the one hand, the flexibility of the products, which can be implemented in a relatively short time; on the other hand, the openness of the solution toward interoperability via API, involving other systems that complete the process (interaction with services exposed by Institutions, Data Providers and customer services), transforming," Faraghini points out, "a series of elementary services into an Ecosystem that can guarantee maximum openness toward other systems/services».

Continuing to be the market leader

With these interventions, the platform of agevolo.it keeps becoming stronger in a field where, for many years, has been the de facto market leader, with 40 percent of operations handled toward MCC's SME Guarantee Fund. «It has the ambition to respond, with renewed momentum, to the stresses of an environment, as mentioned above, that is extremely dynamic, in order to enable clients to interact adequately and comprehensively with the relevant entities,» Faraghini concludes.