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data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner vc_custom_1568391563799"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/CPRA-logo.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div></div></div></div></div><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Capilever-CPRA.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div> </div> </div> <div class="vc_col-sm-6 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 52px; line-height: 1.2em; color: black;">Counterparty Risk Assessment (CPRA)</span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #00b0f0;"><strong>Manage, share and enhance counterparty financial risks</strong></span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: #758592;">For SMEs, often not having lots of reserves, trusting the wrong customers can be a disaster. At the same time, customers also want to avoid making deals with fraudulent or malicious companies (SMEs). For example, doing a renovation with a building contractor, which is close to bankruptcy or even worse which is fraudulent.</span></p> </div> </div> <div class="wpb_content_element button "><a target="_blank" class="btn-bt align-right with_icon" href="https://www.capilever.com/wp-content/uploads/2019/10/Capilever-CPRA-Product-Brochure.pdf"><span>Product brochure</span><i class=""></i></a></div> </div> </div> </div></div></div><div id="fws_67d5da6f488bf" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md " style="" ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-6 vc_column column_container centered_col with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner vc_custom_1568757538713"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/CPRA-logo.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div></div></div></div></div><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Capilever-CPRA.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_left" /></div> </div> </div> <div class="vc_col-sm-6 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 52px; line-height: 1.2em; color: black;">Counterparty Risk Assessment (CPRA)</span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #00b0f0;"><strong>Manage, share and enhance counterparty financial risks</strong></span></p> </div> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: #758592;">For SMEs, often not having lots of reserves, trusting the wrong customers can be a disaster. At the same time, customers also want to avoid making deals with fraudulent or malicious companies (SMEs). For example, doing a renovation with a building contractor, which is close to bankruptcy or even worse which is fraudulent.</span></p> </div> </div> <div class="wpb_content_element button "><a target="_blank" class="btn-bt align-right with_icon" href="https://www.capilever.com/wp-content/uploads/2019/10/Capilever-CPRA-Product-Brochure.pdf"><span>Product brochure</span><i class=""></i></a></div> </div> </div> </div></div></div><div id="fws_67d5da6f4a7c0" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #ffffff; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>What are customer benefits of CPRA?</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-sm vc_hidden-xs"><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_one-e1551779743988.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:30px;position:relative; left:50%; margin-left:-15px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_2.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:56px;position:relative; left:50%; margin-left:-28px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_3.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:85px;position:relative; left:50%; margin-left:-42.5px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/03/stars_4.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:113px;position:relative; left:50%; margin-left:-56.5px;" /></div></div></div></div></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">SMEs can better assess if they want to accept or not a specific job, based on the financial steadiness of a customer. If needed, they can adjust their pricing, to compensate for extra counterparty risk</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Customers can do a check if a professional / company is to be trusted both from a social as from a financial perspective</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">SME can generate more revenue as it can showcase to customers its financial stability and good feedback from customers</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-3"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: center;">Improved financial advice from bank, based on information collected in the CPRA tool</p> </div> </div> </div></div></div></div> </div> </div> </div></div></div><div id="fws_67d5da6f510d5" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #ffffff; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>Customer benefits</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element list" style=""><ul data-icon="steadysets-icon-star"> <li class="simple"><i class=""></i>SMEs can better assess if they want to accept or not a specific job, based on the financial steadiness of a customer. If needed, they can adjust their pricing, to compensate for extra counterparty risk</li><li class="simple"><i class=""></i>Customers can do a check if a professional / company is to be trusted both from a social as from a financial perspective</li><li class="simple"><i class=""></i>SME can generate more revenue as it can showcase to customers its financial stability and good feedback from customers</li><li class="simple"><i class=""></i>Improved financial advice from bank, based on information collected in the CPRA tool</li></ul></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67d5da6f534e8" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #00b0f0; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">WHAT ARE BANK BENEFITS OF CPRA?</span></h1> </div> </div> <div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white; margin-top: -50;">Extra service to customers. Potentially service can even be monetized by asking commission to SMEs</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Strong customer retention. Leaving the bank would mean they cannot share their financial counterparty score anymore with customers </span></div> </div> </dd></dl></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-6"><div class="vc_column-inner"><div class="wpb_wrapper"><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white;">Allows to generate extra revenues, via financial products improving financial risk profile</span></div> </div> </dd></dl></div><div class=" services_small wpb_content_element align_left"><dl class="dl-horizontal with_icon"> <dt> <i class="steadysets-icon-star" style="color:#ffffff;"></i> </dt> <dd> <h4><a href="#"></a></h4> <div class="content"> <div><span style="color: white; margin-top: -50;">Interesting info collected from customers (e.g. votes) for KYC purposes, improved financial advice and credit risk scoring</span></div> </div> </dd></dl></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67d5da6f5543a" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #00b0f0; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">BANK BENEFITS</span></h1> </div> </div> <div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid software"><div class="listwhite iconwhite wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element list" style=""><ul data-icon="steadysets-icon-star"> <li class="simple"><i class=""></i>Extra service to customers. Potentially service can even be monetized by asking commission to SMEs</li><li class="simple"><i class=""></i>Strong customer retention. Leaving the bank would mean they cannot share their financial counterparty score anymore with customers</li><li class="simple"><i class=""></i>Allows to generate extra revenues, via financial products improving financial risk profile</li><li class="simple"><i class=""></i>Interesting info collected from customers (e.g. votes) for KYC purposes, improved financial advice and credit risk scoring</li></ul></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67d5da6f56941" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-sm vc_hidden-xs borders " style="background-color: #ffffff; " ><div id="vc_hidden-sm vc_hidden-xs" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: black;">The <span style="color: #00b0f0;">CPRA offering</span> is part of our vision at Capilever that banks should help their customers <span style="color: #00b0f0;">optimally manage their financial risks</span>. One of the main financial risks is counterparty risk, for which banks provide very little services at the moment. The CPRA tool of Capilever provides a solution for <span style="color: #00b0f0;">better managing counterparty risk</span>.</span></p> </div> </div> </div> </div> </div></div></div><div id="fws_67d5da6f57260" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style vc_hidden-lg vc_hidden-md borders " style="background-color: #ffffff; " ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.3em; color: black;">The <strong><span style="color: #00b0f0;">CPRA offering</span></strong> is part of our vision at Capilever that banks should help their customers <strong><span style="color: #00b0f0;">optimally manage their financial risks</span></strong>. One of the main financial risks is counterparty risk, for which banks provide very little services at the moment. The CPRA tool of Capilever provides a solution for <strong><span style="color: #00b0f0;">better managing counterparty risk</span></strong>.</span></p> </div> </div> <div class="vc_empty_space" style="height: 5px" ><span class="vc_empty_space_inner"></span></div> </div> </div> </div></div></div><div id="fws_67d5da6f57d5c" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style borders " style="background-color: #00b0f0; " ><div style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_empty_space" style="height: 10px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <h1 style="text-align: center;"><span style="color: white;">INTEGRATE OUR APIs INTO YOUR DAILY BANKING APP</span></h1> </div> </div> <div class="vc_empty_space" style="height: 10px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-sm vc_hidden-xs"><div class="wpb_column vc_column_container vc_col-sm-4"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Mobile-Cockpit-CPRA.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:268px;position:relative; left:50%; margin-left:-134px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-4"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/CPRA-MobileApp-002.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:250px;position:relative; left:50%; margin-left:-125px;" /></div></div></div></div><div class="wpb_column vc_column_container vc_col-sm-4"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/CPRA-MobileApp-001.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:250px;position:relative; left:50%; margin-left:-125px;" /></div></div></div></div></div><div class="vc_row wpb_row vc_inner vc_row-fluid vc_hidden-lg vc_hidden-md"><div class="wpb_column vc_column_container vc_col-sm-12"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/10/Mobile-Cockpit-CPRA.png" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_center" style="width:250px;position:relative; left:50%; margin-left:-125px;" /></div></div></div></div></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> </div> </div> </div></div></div><div id="fws_67d5da6f5b1b6" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style borders " style="padding-top: 80px ; padding-bottom: 0px ; " ><div style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_content_element block_title section_title inner-only_text "><h1>CPRA use case</h1></div><div class="vc_empty_space" style="height: 15px" ><span class="vc_empty_space_inner"></span></div> <div class="vc_tta-container vc_tta-o-non-responsive" data-vc-action="collapse"><div class="vc_general vc_tta vc_tta-tabs vc_tta-o-shape-group vc_tta-has-pagination vc_hidden-sm vc_hidden-xs vc_tta-o-no-fill vc_tta-tabs-position-top vc_tta-pageable"><div class="vc_tta-panels-container"><ul class="vc_general vc_pagination vc_pagination-style-outline vc_pagination-shape-round vc_pagination-color-grey"><li class="vc_pagination-item vc_active" data-vc-tab><a href="#1551285059680-9a0e8675-06c1" class="vc_pagination-trigger" data-vc-tabs data-vc-container=".vc_tta"></a></li></ul><div class="vc_tta-panels"><div class="vc_tta-panel vc_active" id="1551285059680-9a0e8675-06c1" data-vc-content=".vc_tta-panel-body"><div class="vc_tta-panel-body"> <span class="vc_tta-panel-title"> <a data-vc-container=".vc_tta-container" data-vc-accordion="" data-vc-target="#1551285059680-9a0e8675-06c1"></a> </span> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-8 vc_col-sm-offset-0 vc_col-xs-11"><div class="vc_column-inner vc_custom_1568035867428"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element vc_custom_1569837854256"> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.2em; color: #00b0f0;"><strong>Diane wants to renovate her house and found a few possible contractors, but doesn’t know if they can be trusted</strong></span></p> <p>Diane wants to renovate her house. Via a website to find building contractors, she has received 3 offers from contractors. Prices are quite similar, but Diane doubts about the trust worthiness of the 3 contractors. Luckily Diane’s bank offers the CPRA tool of Capilever.</p> <p>Diane logs on to the bank online tool and looks up the 3 contractors. 2 out of the 3 contractors are indeed customer of the bank and use the CPRA tool. Both contractors have however restricted access to their financial risk profile (not public for everyone), so Diane sends a request for consent to see their financial profiles. A few hours later 1 of the 2 contractors has accepted the consent request. Diane sees that this contractor is financially very sound and furthermore has 3 very positive feedbacks of customers also using the CPRA tool. Diane is convinced that this contractor is a good choice and accepts the offer.</p> <p>After 3 months, the renovation is successfully finished. Diane is very satisfied about the contractor’s work. The contractor asks to give a positive feedback. Diane logs on to the online banking tool and goes to the CPRA tool. Diane selects the contractor and gives a very positive feedback. As proof of transaction, Diane uploads the bill and some pictures of the renovation. This information is only visible to the bank and to the contractor, but can be used in case of debate of the trustworthiness of the feedback.</p> </div> </div> </div></div></div><div class="wpb_column vc_column_container vc_col-sm-4 vc_hidden-sm vc_hidden-xs"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="vc_empty_space" style="height: 36px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_content_element media media_el animate_onoffset"><img src="https://www.capilever.com/wp-content/uploads/2019/09/CPRA-use-case.jpg" alt="klsjdajsdhaksjdhasj" class="type_image animated fadeInnone alignment_right" /></div></div></div></div></div></div></div></div></div></div></div><div class="vc_tta-container vc_tta-o-non-responsive" data-vc-action="collapse"><div class="vc_general vc_tta vc_tta-tabs vc_tta-o-shape-group vc_tta-has-pagination vc_hidden-lg vc_hidden-md vc_tta-o-no-fill vc_tta-tabs-position-top vc_tta-pageable"><div class="vc_tta-panels-container"><ul class="vc_general vc_pagination vc_pagination-style-outline vc_pagination-shape-round vc_pagination-color-grey"><li class="vc_pagination-item vc_active" data-vc-tab><a href="#1568031000079-49d07c7c-0521" class="vc_pagination-trigger" data-vc-tabs data-vc-container=".vc_tta"></a></li></ul><div class="vc_tta-panels"><div class="vc_tta-panel vc_active" id="1568031000079-49d07c7c-0521" data-vc-content=".vc_tta-panel-body"><div class="vc_tta-panel-body"> <span class="vc_tta-panel-title"> <a data-vc-container=".vc_tta-container" data-vc-accordion="" data-vc-target="#1568031000079-49d07c7c-0521"></a> </span> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12 vc_col-sm-offset-0"><div class="vc_column-inner"><div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element vc_custom_1569837866371"> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.2em; color: #00b0f0;"><strong>Diane wants to renovate her house and found a few possible contractors, but doesn’t know if they can be trusted</strong></span></p> <p>Diane wants to renovate her house. Via a website to find building contractors, she has received 3 offers from contractors. Prices are quite similar, but Diane doubts about the trust worthiness of the 3 contractors. Luckily Diane’s bank offers the CPRA tool of Capilever.</p> <p>Diane logs on to the bank online tool and looks up the 3 contractors. 2 out of the 3 contractors are indeed customer of the bank and use the CPRA tool. Both contractors have however restricted access to their financial risk profile (not public for everyone), so Diane sends a request for consent to see their financial profiles. A few hours later 1 of the 2 contractors has accepted the consent request. Diane sees that this contractor is financially very sound and furthermore has 3 very positive feedbacks of customers also using the CPRA tool. Diane is convinced that this contractor is a good choice and accepts the offer.</p> <p>After 3 months, the renovation is successfully finished. Diane is very satisfied about the contractor’s work. The contractor asks to give a positive feedback. Diane logs on to the online banking tool and goes to the CPRA tool. Diane selects the contractor and gives a very positive feedback. As proof of transaction, Diane uploads the bill and some pictures of the renovation. This information is only visible to the bank and to the contractor, but can be used in case of debate of the trustworthiness of the feedback.</p> </div> </div> </div></div></div></div></div></div></div></div></div></div> </div> </div> </div></div></div><div id="fws_67d5da6f60eb5" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el section-style borders " style="background-color: #ebf0f9; padding-top: -20px ; " ><div style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="vc_row wpb_row vc_inner vc_row-fluid"><div class="wpb_column vc_column_container vc_col-sm-12 vc_hidden-sm vc_hidden-xs"><div class="vc_column-inner"><div class="wpb_wrapper"><div class="vc_empty_space" style="height: 1px" ><span class="vc_empty_space_inner"></span></div> <div class="wpb_content_element media 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