Digital solutions

We develop online simulators and tax calculators for banks, insurance companies and investment services companies (ISCs). We guarantee accuracy and consistency with the transactional system, offering turnkey solutions, calculation APIs, core integration and regulatory updates.

Products: mortgages, loans, cards, funds, insurance, deposits, repos, promissory notes, leasing, renting, confirming, factoring and more.

• Afi Wealth Manager is our solution for reporting and portfolio management. Unlike other PMS (Portfolio Management System) solutions, it allows:
  
  • The management of assets of any kind, including derivatives and insurance products (PPI, PPA, unit-linked, life-risk, etc.).
  • Integration with MiFID and IDD flows, interchangeably and often in combination.
  • Generation of regulatory reporting associated with discretionary portfolio management, advisory, informed sales, RTO processes, etc.
  • Integration of financial management and planning in a single tool.
  • Integration of our own PMA/RA (performance and risk management and attribution) solution.
  • Front-to-back connection with administrator, depositary, brokers, routers, pricing agents, etc.
  • All management necessary to comply with PBC/AML (anti-money laundering) regulations.
  • Integration with conversion processes, support for generating inbound strategies, ZMOT development, teasers, etc.
    
    
• Afi Funds and Plans. Information, comparison and recommendation service for investment funds and pension plans.
• Afi PMAR. Performance management and risk attribution tool.
• Afi OMS.

Afi Risk and Afi VaR. Tools for assessing complex instruments and measuring market risk

We offer a range of solutions in the area of financial planning and key life events for clients:

• Tailored to the ESI, banking and insurance sectors.
• They work at all stages of the customer's life (studies, emancipation, young families, mature families, retirement, elderly people, etc.), offering specific conversion processes for each situation.
• They have analytics capable of inferring life milestones and triggering inbound actions.
• They are compatible with MiFID and IDD.
• They include the financial calculation of complex instruments, as well as the calculation of tax implications and public and private benefits.
• They include all types of savings and investment objectives and horizons.
• They are adapted differently depending on the area of service provision (public website, customer area, solutions for the manager or broker, etc.).
• They integrate with our own portfolio management solutions or those of third parties.

Some of these solutions are: 

• Afi Retirement Planner. Tool for calculating liquidity generation solutions for retirement, both through savings products and other vehicles, including real estate, reverse mortgages and others.
• Afi Tax Planner. Tool for calculating taxation on securities transactions, including tax harvesting.

‍

• QALM. ALM tool offering exceptional performance levels, reducing calculations that other similar solutions take hours to process to a matter of minutes.
• Afi MIS. Comprehensive analytical income statement information system for banking institutions. This tool covers both retail and corporate banking, as well as the institution's own treasury activity.
• Afi SINAPsis. Banking commercial network planning tool. It includes the complete calculation of the institution's income statement, the allocation of the budget by management unit (branches, areas, managers, territories, segments, products, etc.) and its top-down or bottom-up negotiation.‍
• Afi STB. Bank fee simulator. Allows the calculation of risk-adjusted pricing for asset, liability or off-balance sheet transactions of bank customers, calculating their expected income statement after the transaction.

• Risk Integrator. Solution for calculating SCR/MCR under Solvency II.
• Afi PFM. Our PFM (personal finance management) provides users with an integrated view of their day-to-day banking operations and, more importantly, alerts them to issues such as receipts with abnormal amounts, expected and unpaid collections and payments, negative balance forecasts, etc‍
• Afi CSM. The digital solution for implementing IFRS 17.

• SAGE. Support system for managing the debt of local authorities.
• Afi RE. Company rating tool.
• Afi SCAL. Credit scoring tool for local authorities. Includes permanently updated credit scoring and ratings for all Spanish town councils, county councils and island councils.‍
• Afin PBC. Anti-money laundering (AML) solution.

More than twenty Spanish financial and credit institution portals receive daily value-added information generated by our analysts through our content syndication systems. This information, which includes stock market analysis reports, comments and notes on intraday market behaviour, forecasts, educational and analytical videos, has become a benchmark in the fields of online brokerage and financial communities.