Page 22 - EVRY Annual Report 2012

Our Business 22
and the solutions that support the bank's employees in their
work. The portfolio is module-based, and includes both bank-
ing services and transactions systems.
EVRY offers delivery models to meet different requirements.
For a number of banks in Norway, we provide a complete
banking solutions package as a cloud service (ASP). We
provide Business Process Outsourcing (BPO) to a number of
banks including Nordea, Handelsbanken, SEB, Swedbank and
Danske Bank. We also carry out ’asset-based’ applications de-
velopment for customers, including Länsförsäkringar. EVRY’s
flexible delivery models allow banks to use solutions that suit
their own activities.
Card solutions
The card segment is growing strongly. EVRY provides cards
and comprehensive card services for the bank and finance
market, as well as for other markets such as retailers, loyalty
programs, transport services and general business purposes.
EVRY’s card solutions include services for card issuing and
acquiring, merchant settlement, terminal certification and
fraud prevention. This means that EVRY can deliver the
market's most complete range of services. We monitor billions
of financial card transactions around the world to detect and
prevent fraud. We supply personalised cards and chip technol-
ogies for several million bank cards in the Nordic countries.
We also offer payment terminal management, and certifica-
tion for parties that wish to accept cards in their business.
Lending and financing
EVRY has developed internet lending solutions that allows
customers to submit loan applications simply and easily over
the internet. This frees up time for the bank's lending officers
so that they can work more effectively and proactively with
customers. Lending is characterized by complex value chains
including loan origination, document management, loan
servicing and risk management. The value chain includes pro-
cesses such as data capture, credit evaluation, loan approval,
collateral, payments and risk monitoring. In order to be com-
petitive, banks need to deal with strict regulatory require-
ments and increased pressure for efficiency and self-service
solutions. EVRY offers a portfolio of services to support ef-
ficient and automated processing of loans and credit facilities