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Alfa Systems - the world’s leading asset finance software
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class="head"><div><h2>Alfa Systems 6</h2><p>Evolving asset finance software.</p><div class="buttons"><a aria-label="Visit Product Overview button" class="button button--primary button--icon" href="/en-ap/product"><div class="button__wrapper">Visit Product Overview</div><div class="button__icon"></div></a><a aria-label="Why Alfa? button" class="button button--secondary button--icon" href="/en-ap/product/why-alfa"><div class="button__wrapper">Why Alfa?</div><div class="button__icon"></div></a></div></div><div class="push"><a href="/en-ap/product/article/alfa-systems-6"><div><h5>Alfa Systems 6: Fully Realised</h5><div class="body">A breakthrough iteration of our SaaS platform, founded on six pillars.</div></div><div class="image"><img alt="a big 6" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%2Ccompress%3Fh%3D334%26w%3D334%26fit%3Dcrop&w=640&q=75 640w, 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srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 2048w, 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style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Servicing</div><div class="description"><p>Flexible automation enabling sophisticated customer and dealer self-serve.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/collections-and-recovery"><div class="image"><img alt="Collections and Recovery Icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 1080w, 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debt.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/wholesale"><div class="image"><img alt="Middle Office icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Wholesale</div><div class="description"><p>Enabling complicated and costly high-volume processes to be handled with minimal effort.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/process-automation"><div class="image"><img alt="Process Automation icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Core Features</div><div class="description"><p>Including process automation, compliance and product support.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/artificial-intelligence"><div class="image"><img alt="Artificial intelligence icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/8d13bdda-f3c0-458e-b8dc-5a639678770c_artificial-intelligence.svg" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Tooling</div><div class="description"><p>Including AI, SaaS, integration, BI and data migration.</p></div></div></a></div></div><div class="columns-1"><div class="title">By Industry</div><div class="link"><a href="/en-ap/product/article/automotive-finance"><div class="image"><img alt="Automotive finance icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Automotive Finance</div><div class="description"><p>The most innovative auto finance companies use Alfa Systems.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/equipment-finance"><div class="image"><img alt="Equipment finance icon" sizes="100vw" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 640w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Equipment Finance</div><div class="description"><p>Relied on by top equipment finance companies.</p></div></div></a></div><div class="link"><a href="/en-ap/product/article/commercial-finance"><div class="image"><img alt="commercial finance logo" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZtoHBrzzk9ZrXEMB_CommercialFinanceIcon.png%3Fauto%3Dformat%2Ccompress&w=3840&q=75" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Commercial Finance</div><div class="description"><p>Comprehensive capability for the most complex commercial leases and loans.</p></div></div></a></div></div></div></div></div></div><div><div class="elementToShow"><button class="title ">About Us</button><div class="pane"><div class="head"><div><h2>About Alfa</h2><p>We’re Alfa, the makers of Alfa Systems - the first-choice SaaS platform for asset finance companies, worldwide. We make complex projects run smoothly.</p><div class="buttons"><a aria-label="Visit About Us button" class="button button--primary button--icon" href="/en-ap/about"><div class="button__wrapper">Visit About Us</div><div class="button__icon"></div></a><a aria-label="Why Alfa? button" class="button button--secondary button--icon" href="/en-ap/product/why-alfa"><div class="button__wrapper">Why Alfa?</div><div class="button__icon"></div></a></div></div><div class="push"><a href="/en-ap/news-and-insights/alfa-and-the-un-sustainable-development-goals"><div><h5>Alfa and the UN Sustainable Development Goals</h5><div class="body">We have selected five sustainable development goals to help shape and inform our efforts around social impact.</div></div><div class="image"><img alt="UN SDGs logo promo" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F14a82c8e-1a8a-41f5-ab3d-ae79e6c7552f_sdg-promo.jpg%3Fauto%3Dcompress%2Cformat%3Fh%3D600%26w%3D600%26fit%3Dcrop&w=3840&q=75" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div></a></div></div><div class="nav-sets"><div class="columns-1"><div class="title">Our Company</div><div class="link"><a href="/en-ap/about/our-story"><div><div class="title">Our Story</div><div class="description"><p>Completing complex projects all over the globe since 1990.</p></div></div></a></div><div class="link"><a href="/en-ap/about/purpose-and-values"><div><div class="title">Purpose and Values</div><div class="description"><p>Delivering our leading-edge technology with a team of smart, diverse people.</p></div></div></a></div><div class="link"><a href="/en-ap/about/innovation"><div><div class="title">Innovation at Alfa</div><div class="description"><p>Innovation is at the heart of what we do at Alfa.</p></div></div></a></div></div><div class="columns-2"><div class="title">Sustainability</div><div class="link"><a href="/en-ap/about/sustainability"><div><div class="title">Sustainability Overview</div><div class="description"><p>Overview of how we are making a difference.</p></div></div></a></div><div class="link"><a href="/en-ap/about/social-impact"><div><div class="title">Social Impact</div><div class="description"><p>Our positive impact on people and the community.</p></div></div></a></div><div class="link"><a href="/en-ap/about/environmental-impact"><div><div class="title">Environmental Impact</div><div class="description"><p>How we are reducing our environmental impact.</p></div></div></a></div><div class="link"><a href="/en-ap/about/responsible-development"><div><div class="title">Responsible Development</div><div class="description"><p>A look at how we integrate sustainability into our development.</p></div></div></a></div><div class="link"><a href="/en-ap/about/alfa-supplier-code-of-conduct"><div><div class="title">Supplier Code of Conduct</div><div class="description"><p>We expect our suppliers to commit to responsible business practices and sustainable development.</p></div></div></a></div></div></div></div></div></div><div><div class="elementToShow"><button class="title ">News and Insights</button><div class="pane"><div class="head"><div><h2>Latest Articles</h2><p>The latest news and insights from Alfa, including news articles, blogposts, our latest thought leadership and selected case studies.</p><div class="buttons"><a aria-label="Visit News and Insights button" class="button button--primary button--icon" href="/en-ap/news-and-insights"><div class="button__wrapper">Visit News and Insights</div><div class="button__icon"></div></a></div></div><div class="push"><a href="/en-ap/product/article/alfa-systems-6"><div><h5>Alfa Systems 6</h5><div class="body">The breakthrough next iteration of our SaaS platform, founded on six pillars.</div></div><div class="image"><img alt="AS6 Comic - Clap crop" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvv0fLVsGrYSwOG3_AS6Comic-Clapcrop.png%3Fauto%3Dformat%2Ccompress%3Fh%3D467%26w%3D510%26fit%3Dcrop&w=1920&q=75 1920w, 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srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvIXbVsGrYSwMIC_6_comic.jpg%3Fauto%3Dformat%252Ccompress%26w%3D80%26h%3D80&w=3840&q=75" decoding="async" data-nimg="future-fill" loading="lazy" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent"/></div><div><div class="title">Alfa launches Alfa Systems 6, setting new standards in asset finance technology</div><div class="description"></div></div></a></div><div class="link"><a href="/en-ap/news-and-insights/straddling-competing-demands-is-part-of-the-day-jo"><div class="image"><img alt="Leasing Life favicon" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZr8QBkaF0TcGI_Nf_LeasingLife_LL_400x400.png%3Fauto%3Dformat%2Ccompress&w=1920&q=75 1920w, 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class="container"><div class="row"><div class="col col-md-6"><div class="landing-hero__content"><div class="slice-text-block slice-text-block--hero slice-text-block--light"><div class="slice-text-block__image"><img alt="Alfa Systems logo" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/f6cea891-e322-4286-8698-2f1244fc820d_alfa-systems-logo.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/f6cea891-e322-4286-8698-2f1244fc820d_alfa-systems-logo.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/f6cea891-e322-4286-8698-2f1244fc820d_alfa-systems-logo.svg" width="245" height="56" decoding="async" data-nimg="future" loading="lazy" style="color:transparent"/></div><h1 class="slice-text-block__title hero-title landing-hero__title">The world’s leading asset finance software.</h1><div class="body-large landing-hero__body"><p>Our class-leading SaaS platform is at the heart of the world’s largest and most progressive asset finance 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https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 750w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 828w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 1080w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 1200w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 1920w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 2048w, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg 3840w" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/7be028f4-77a4-4980-b75c-939c3e73d84b_mercedes-logo-one-colour.svg" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" loading="lazy"/></noscript></span></div></div></div></div></section><section class="product-overview-nav" id="product_overview_navigation"><div class="container"><div class="row"><div class="col-12 col-lg-4"><div class="slice-text-block slice-text-block--narrow slice-text-block--light"><div class="slice-tag">Overview</div><h2 class="slice-text-block__title">We help bring your business together, or transform it completely.</h2><div class="body slice-text-block__copy"><p>Supporting all types of auto, equipment and wholesale finance business, Alfa Systems uses leading-edge digital technologies to deliver proven functionality and performance.</p><p>Alfa Systems satisfies requirements of all sizes: as an integrated point solution, a rapid off-the-shelf implementation, or an end-to-end platform for the complex global enterprise.</p></div></div></div><div class="col-12 col-lg-8"><div class="product-overview-nav__sections"><div class="row gy-4"><div class="col col-12"><div class="product-overview-nav__section"><div class="product-overview-nav__tag">Lifecycle Components</div><div class="row gy-3"><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/point-of-sale"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/0a5d0dde-488a-4832-a955-2413b4ccdeda_01-point-of-sale.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/0a5d0dde-488a-4832-a955-2413b4ccdeda_01-point-of-sale.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/0a5d0dde-488a-4832-a955-2413b4ccdeda_01-point-of-sale.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Point of Sale</div><div class="product-overview-nav__description">Build a perfect sales experience with omnichannel support.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/middle-office"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Middle Office icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Middle Office icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/212777b8-f272-4900-9a1f-6a9c80d53039_03-middle-office-originations.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Originations</div><div class="product-overview-nav__description">Automated credit decisioning, document and payout handling.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/collections-and-recovery"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Collections and Recovery Icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Collections and Recovery Icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/46652aff-0db9-428f-b9aa-2878fb5d6640_05-collections-and-recovery.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Collections and Recovery</div><div class="product-overview-nav__description">Effective management of the entire process, accelerating income and reducing bad debt.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/wholesale"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Wholesale Icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Wholesale Icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a3ad6be3-8c08-46ba-bf04-51482cfaeeb1_02-wholesale-auto.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a3ad6be3-8c08-46ba-bf04-51482cfaeeb1_02-wholesale-auto.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a3ad6be3-8c08-46ba-bf04-51482cfaeeb1_02-wholesale-auto.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Wholesale Floorplan</div><div class="product-overview-nav__description">Enabling complicated and costly high-volume processes to be handled with minimal effort.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/servicing"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Service icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Service icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/c67076ec-44a2-4480-a28a-d8524b4e3ada_04-contract-servicing.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/c67076ec-44a2-4480-a28a-d8524b4e3ada_04-contract-servicing.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/c67076ec-44a2-4480-a28a-d8524b4e3ada_04-contract-servicing.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Servicing</div><div class="product-overview-nav__description">Flexible automation enabling sophisticated customer and dealer self-serve.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/remarketing-and-disposal"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Remarketing icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Remarketing icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/849e66f0-f74b-44ce-8099-0b64633f0614_06-remarketing-auto.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/849e66f0-f74b-44ce-8099-0b64633f0614_06-remarketing-auto.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/849e66f0-f74b-44ce-8099-0b64633f0614_06-remarketing-auto.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Remarketing and Disposal</div><div class="product-overview-nav__description">Seamless end-of-lease management, preserving your customer relationships for the long term.</div></div></div></a></div></div></div></div><div class="col col-12"><div class="product-overview-nav__section"><div class="product-overview-nav__tag">By Industry</div><div class="row gy-3"><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/automotive-finance"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Automotive finance icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Automotive finance icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/3f8e05b8-d689-4481-9eb1-0adb3587fefe_automotive-finance.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Automotive Finance</div><div class="product-overview-nav__description">The most innovative auto finance companies use Alfa Systems.</div></div></div></a></div><div class="col-12 col-md-6"><a class="product-overview-nav__link" href="/en-ap/product/article/equipment-finance"><div class="product-overview-nav__item"><div class="product-overview-nav__icon"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2740%27%20height=%2740%27/%3e"/></span><img alt="Equipment finance icon" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Equipment finance icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/6cade356-31fc-493d-a628-7db9f518ffa9_equipment-finance.svg" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="product-overview-nav__text"><div class="product-overview-nav__title">Equipment Finance</div><div class="product-overview-nav__description">Relied on by top equipment finance companies.</div></div></div></a></div></div></div></div></div></div></div></div></div></section><section class="media-push media-push--default media-push--left theme--white-lilac" id="media_push"><div class="theme-bg theme-bg--left theme-bg--white-lilac"><div class="theme-bg__agraphic"></div><div class="theme-bg__mask"><svg style="width:auto;height:100%" width="236" height="376" viewBox="0 0 236 376" xmlns="http://www.w3.org/2000/svg"><path d="M0 0a60 60 0 0 1 52.66 31.243l.315.586L236 376V0H0Z" fill="#FFF" fill-rule="evenodd"></path></svg></div></div><div class="container"><div class="row"><div class="col-12 col-md-6 position-relative order-1"><div class="media-push-image media-push-image--left "><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:52.26510067114094%"></span><img alt="Alfa Systems 6 Launch - comic title" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Alfa Systems 6 Launch - comic title" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=750&q=75 750w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=828&q=75 828w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=1080&q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=1200&q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2FZvvfebVsGrYSwNpt_AlfaSystems6Launch-comictitle.png%3Fauto%3Dformat%2Ccompress%26rect%3D0%2C0%2C1200%2C627%26w%3D1192%26h%3D623%3Fh%3D623%26w%3D1192%26fit%3Dcrop&w=3840&q=75" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div></div><div class="col-12 col-md-6 order-2"><div class="slice-text-block slice-text-block--narrow slice-text-block--light"><div class="slice-tag">Now fully realised</div><h2 class="slice-text-block__title">Alfa Systems 6</h2><div class="body slice-text-block__copy"><p>Founded on six pillars, Alfa Systems 6 helps finance providers tackle the significant challenges they face, and seize the lucrative opportunities that lie waiting.</p></div><div class="buttons"><div><a aria-label="Discover Alfa Systems 6 button" class="button button--primary button--icon" href="/en-ap/en-eu/product/article/alfa-systems-6"><div class="button__wrapper">Discover Alfa Systems 6</div><div class="button__icon"></div></a></div></div></div></div></div></div></section><section class="features-nav theme--cobalt-10" id="features_navigation"><div class="container"><div class="row"><div class="col-12"><div class="react-tabs" data-rttabs="true"><ul class="react-tabs__tab-list" role="tablist"><li class="react-tabs__tab react-tabs__tab--selected" role="tab" id="tab:Rit66:0" aria-selected="true" aria-disabled="false" aria-controls="panel:Rit66:0" tabindex="0" data-rttab="true">Platform</li><li class="react-tabs__tab" role="tab" 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class="proof-point-card__icon"><img alt="Multicountry icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/550e3566-ba7f-4f34-af48-e45f28bda57c_multi-country.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/550e3566-ba7f-4f34-af48-e45f28bda57c_multi-country.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/550e3566-ba7f-4f34-af48-e45f28bda57c_multi-country.svg" width="128" height="128" decoding="async" data-nimg="future" loading="lazy" style="color:transparent"/></div><div class="proof-point-card__text"><div class="proof-point-card__title">Multicountry</div><div class="proof-point-card__description">Simplify and centralise countries and regions.</div></div></div></a></div><div class="col-12 col-md-6"><a href="/en-ap/product/article/process-automation"><div class="proof-point-card"><div class="proof-point-card__icon"><img alt="Process Automation icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a68fc1c1-2323-458c-a686-1629300ea632_process-automation.svg" width="128" height="128" decoding="async" data-nimg="future" loading="lazy" style="color:transparent"/></div><div class="proof-point-card__text"><div class="proof-point-card__title">Process Automation</div><div class="proof-point-card__description">Your processes as workflows and business rules.</div></div></div></a></div><div class="col-12 col-md-6"><a href="/en-ap/product/article/expansive-product-support"><div class="proof-point-card"><div class="proof-point-card__icon"><img alt="Expansive Product Support icon" srcSet="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a463eb82-c5d3-46e3-b734-07f33c1be389_expansive-product-support.svg 1x, https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a463eb82-c5d3-46e3-b734-07f33c1be389_expansive-product-support.svg 2x" src="https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a463eb82-c5d3-46e3-b734-07f33c1be389_expansive-product-support.svg" width="128" height="128" decoding="async" data-nimg="future" loading="lazy" style="color:transparent"/></div><div class="proof-point-card__text"><div class="proof-point-card__title">Expansive Product Support</div><div class="proof-point-card__description">Flexible and configurable product structures.</div></div></div></a></div></div></div></div></div></div></section></div><div class="react-tabs__tab-panel" role="tabpanel" id="panel:Rit66:1" aria-labelledby="tab:Rit66:1"></div><div class="react-tabs__tab-panel" role="tabpanel" id="panel:Rit66:2" aria-labelledby="tab:Rit66:2"></div></div></div></div></div></section><section class="media-push media-push--doubleimage media-push--left theme--cobalt-10" id="media_push"><div class="theme-bg theme-bg--left theme-bg--cobalt-10"><div class="theme-bg__agraphic"></div><div class="theme-bg__mask"><svg style="width:auto;height:100%" width="236" height="376" viewBox="0 0 236 376" xmlns="http://www.w3.org/2000/svg"><path d="M0 0a60 60 0 0 1 52.66 31.243l.315.586L236 376V0H0Z" fill="#FFF" fill-rule="evenodd"></path></svg></div></div><div class="container"><div class="row"><div class="col-12 col-md-6 position-relative order-1"><div class="media-push-image media-push__double-image media-push__double-image--vertical"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:133.45323741007192%"></span><img alt="alfa co-workers in a planning meeting" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="alfa co-workers in a planning meeting" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F2d838e1d-2560-4e77-aa75-c695c144ba90_meeting.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D297%2C0%2C432%2C576%26w%3D556%26h%3D742%3Fh%3D742%26w%3D556%26fit%3Dcrop&w=640&q=75 640w, 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decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div><div class="media-push-image media-push__double-image media-push__double-image--horisontal media-push-image--left"><span style="box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.84073107049609%"></span><img alt="Alfa employee on a laptop looking at a screen" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img alt="Alfa employee on a laptop looking at a screen" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=640&q=75 640w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=750&q=75 750w, 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/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=1920&q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=2048&q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=3840&q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.prismic.io%2Falfa-website-2022%2F05a6d69a-c1b4-44d6-b979-771ef2d0cdbb_innovation-at-alfa.jpg%3Fauto%3Dcompress%2Cformat%26rect%3D0%2C2%2C1192%2C797%26w%3D766%26h%3D512%3Fh%3D512%26w%3D766%26fit%3Dcrop&w=3840&q=75" decoding="async" data-nimg="responsive" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></div></div><div class="col-12 col-md-6 order-2"><div class="slice-text-block slice-text-block--narrow slice-text-block--light"><div class="slice-tag">Our Delivery Story</div><h2 class="slice-text-block__title">Only 30% of systems transformation projects deliver. 100% of Alfa projects deliver.</h2><div class="body slice-text-block__copy"><p>Big technology projects fail most of the time. But Alfa customers tell a different story.</p><p>Find out more about how we partner with you and others to deliver proven functionality and performance, each and every time.</p></div><div class="buttons"><div><a aria-label="More about our Delivery Story button" class="button button--primary button--icon" href="/en-ap/product/delivery-story"><div class="button__wrapper">More about our Delivery Story</div><div class="button__icon"></div></a></div></div></div></div></div></div></section><section class="testimonial-carousel theme--navy-100"><div class="container"><div class="row"><div class="col-12"><div class="slice-text-block slice-text-block--center"><h2 class="slice-text-block__title">What our customers say</h2></div></div><div class="col-12"><div class="testimonial-carousel__swiper"><div class="swiper"><div class="swiper-wrapper"><div class="swiper-slide swiper-slide-duplicate" data-swiper-slide-index="4"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">"The delivery from Alfa was fast and high quality, and our close working relationship enabled us to meet the project timescales. We continue to benefit from the wide range of products and services Alfa Systems supports, allowing us to grow our increasingly diverse portfolio all on a single system."</div><div class="testimonial-carousel__author">Steve Charlton, Managing Director, PEAC Solutions</div></div><a aria-label="Read about the PEAC Solutions upgrade button" class="button button--primary button--icon" href="/en-ap/news-and-insights/peac-finance-finds-a-platform-for-growth-in-alfa-systems"><div class="button__wrapper">Read about the PEAC Solutions upgrade</div><div class="button__icon"></div></a></div></div><div class="swiper-slide" data-swiper-slide-index="0"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">“Alfa teams know the business, and excel in providing technical solutions. They collaborated, guided and supported Siemens Financial Services experts along the way.”</div><div class="testimonial-carousel__author">Marc Friedman Morata, IT Project Lead, Siemens Financial Services</div></div><a aria-label="Read our Siemens case study button" class="button button--primary button--icon" href="/en-ap/news-and-insights/sfs-case-study"><div class="button__wrapper">Read our Siemens case study</div><div class="button__icon"></div></a></div></div><div class="swiper-slide" data-swiper-slide-index="1"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">“We thought the Alfa team was a good cultural fit based on the sales process, but you don’t truly know until you get into the implementation. From day one the Alfa team fit in seamlessly. I could not have been more pleased with the collaboration and partnership.”</div><div class="testimonial-carousel__author">Mike Callahan, CFO of CarMax Auto Finance (ret.)</div></div><a aria-label="Read our CarMax case study button" class="button button--primary button--icon" href="/en-ap/news-and-insights/carmax-auto-finance"><div class="button__wrapper">Read our CarMax case study</div><div class="button__icon"></div></a></div></div><div class="swiper-slide" data-swiper-slide-index="2"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">“To go from signing contracts in late November to live for new business by early March was achieved through the joint efforts and determination of a spectacular team.”</div><div class="testimonial-carousel__author">Russ Fitzgerald, Chief Information Officer, Hampshire Trust Bank</div></div><a aria-label="Read our HTB case study button" class="button button--primary button--icon" href="/en-ap/news-and-insights/how-htb-and-alfa-delivered-the-alfa-start-solution"><div class="button__wrapper">Read our HTB case study</div><div class="button__icon"></div></a></div></div><div class="swiper-slide" data-swiper-slide-index="3"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">“Our partnership with Alfa is a significant step forward in improving our customer experience, including digital capability, to support our product development plans and help us grow our asset finance business.”</div><div class="testimonial-carousel__author">Chris Loring, Managing Director of Lending & Asset Finance, Lloyds Bank</div></div><a aria-label="Read about our partnership button" class="button button--primary button--icon" href="/en-ap/news-and-insights/lloyds-bank-partners-with-alfa-to-enhance-asset-finance"><div class="button__wrapper">Read about our partnership</div><div class="button__icon"></div></a></div></div><div class="swiper-slide" data-swiper-slide-index="4"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">"The delivery from Alfa was fast and high quality, and our close working relationship enabled us to meet the project timescales. We continue to benefit from the wide range of products and services Alfa Systems supports, allowing us to grow our increasingly diverse portfolio all on a single system."</div><div class="testimonial-carousel__author">Steve Charlton, Managing Director, PEAC Solutions</div></div><a aria-label="Read about the PEAC Solutions upgrade button" class="button button--primary button--icon" href="/en-ap/news-and-insights/peac-finance-finds-a-platform-for-growth-in-alfa-systems"><div class="button__wrapper">Read about the PEAC Solutions upgrade</div><div class="button__icon"></div></a></div></div><div class="swiper-slide swiper-slide-duplicate" data-swiper-slide-index="0"><div class="testimonial-carousel__slide"><div class="testimonial-carousel__slide-wrapper"><div class="testimonial-carousel__copy">“Alfa teams know the business, and excel in providing technical solutions. They collaborated, guided and supported Siemens Financial Services experts along the way.”</div><div class="testimonial-carousel__author">Marc Friedman Morata, IT Project Lead, Siemens Financial Services</div></div><a aria-label="Read our Siemens case study button" class="button button--primary button--icon" href="/en-ap/news-and-insights/sfs-case-study"><div class="button__wrapper">Read our Siemens case study</div><div class="button__icon"></div></a></div></div></div><div class="swiper-button-prev"></div><div class="swiper-button-next"></div></div><div class="swiper testimonial-carousel__pagination"><div class="swiper-wrapper"><div class="swiper-slide"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span 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Elles mettent à profit son ensemble très complet d’outils, qui comprend : la gestion des campagnes, les montages complexes, l’octroi , les conditions de crédit, les snapshot crédit, les approbations de ligne et un puissant moteur de décision de crédit, représentés par une suite d’API polyvalentes.","spans":[{"start":321,"end":330,"type":"em"}]},{"type":"paragraph","text":"Aujourd’hui, nous assistons à une évolution dynamique du marché. Outre la montée de la tendance aux prêts directs (voir ci-dessous), les évolutions les plus marquantes sont l’apparition de nouveaux types d’actifs qui ne dépendent pas tous de concessionnaires franchisés. Les données clients sont plus accessibles, avec l’acceptation croissante de sources de données modernes telles que l’Open Banking, ce qui permet d’accroître sans risque les volumes de souscription de crédit.","spans":[{"start":388,"end":400,"type":"em"}]},{"type":"paragraph","text":"Favorisant l’automatisation, l’adoption de technologies innovantes permet une efficience encore jamais atteinte auparavant. Les intégrations, grâce aux fournisseurs de services personnalisés, deviennent faciles et invisibles : la lecture intelligente de documents en est un exemple. L’utilisation de couches d’intégration sans code, ainsi que de workflows et de règles de gestion qui intègrent la logique métier simplifie encore davantage les process. Les métadonnées de documents ou les données de connaissance client (KYC) peuvent être comparées à celles des snapshots crédit : des règles de gestion entraînent le déclanchement automatique de workflows ou un flux vers les moteurs de décision de crédit et les tableaux de bord, ce qui a pour effet d’accélérer et d’automatiser une grande partie des décisions. Grâce à ce degré élevé d’automatisation, les utilisateurs, désormais libérés de ces tâches, ont le temps de traiter des transactions plus complexes génératrices de marge.","spans":[{"start":561,"end":571,"type":"em"}]}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Société de financement, opérateur, souscripteur, équipe de nouvelles activités","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZkMkDEFLKBtrW2FF_TotalCapabilityFrench.png?auto=compress,format\u0026rect=0,0,5760,3240\u0026w=1600\u0026h=900","id":"ZkMkDEFLKBtrW2FF","edit":{"x":0,"y":0,"zoom":0.2777777777777778,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Exploiter de nouveaux canaux : le prêt direct","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Aux États-Unis, la tendance aux ventes directes, et donc aux prêts directs, prend de l’ampleur avec la croissance des véhicules électriques et le désir de s’approprier la relation client. À l’avant-garde de ce mouvement, on trouve Tesla, pionnier de la vente directe aux consommateurs, suivi par des sociétés comme Polestar et Lucid, qui opèrent sans concessionnaires franchisés. Ce mouvement a incité certaines marques à créer de nouvelles entités dédiées aux véhicules électriques et, bien que l’étendue des ventes directes autorisées varie d’un État à l’autre, la vente uniquement en ligne reste possible, même si cela ne va pas sans inconvénients.","spans":[]}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"La vente directe change la donne tant pour les constructeurs que pour les concessionnaires. En effet, vendre au consommateur sans intermédiaire permet désormais aux constructeurs d’atteindre des niveaux de prix plus élevés puisque les concessionnaires doivent respecter le prix affiché (PSDF) et ne peuvent plus se faire concurrence.","spans":[]}],"author":"Boston Consulting Group"},"id":"article_quote$fde4fd93-9a0f-4570-9668-f7c0a3463d62","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"En Europe et au Royaume-Uni, où la législation n’interdit pas les ventes directes, on observe un changement notable vers ce modèle.","spans":[]}]},"id":"rich_text$de615bef-75b5-446a-bc55-39ed36729137","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Aujourd’hui, les deux tiers des consommateurs et plus de 80 % des jeunes acquéreurs de véhicule sont ouverts au concept du commerce en ligne. Qu’il s’agisse de vérifier une disponibilité, d’effectuer une simulation, de réserver un essai, de payer un acompte ou d’organiser un financement, 60 % des acquéreurs souhaitent effectuer ces tâches en ligne.","spans":[]}],"author":"Auto Trader UK"},"id":"article_quote$9568773c-65fd-49d0-837b-6e573931ec6a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Capacité totale, tout au long du parcours de montage et au-delà","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZkMkC0FLKBtrW2FE_TotalCapability_French.png?auto=compress,format\u0026rect=0,0,5333,3000\u0026w=1600\u0026h=900","id":"ZkMkC0FLKBtrW2FE","edit":{"x":0,"y":0,"zoom":0.3,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$71c4d320-d7cf-445c-b39f-bde0c0c1e4af","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"La solution Alfa Systems 6 Total Originations","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Fidèle à son engagement de maintenir l’excellence dans les prêts directs et indirects, Alfa continue d’être à la pointe de son domaine.","spans":[{"start":0,"end":135,"type":"strong"}]},{"type":"paragraph","text":"Synonyme de choix et de polyvalence, Total Originations dans Alfa Systems 6 vous permet de concevoir vos propres outils de prêt direct grâce à sa suite complète d’API, combinée à une souscription entièrement automatisée par workflow et par l’IA. Vous pouvez également traiter les propositions de contrat des concessionnaires via des interfaces prédéfinies et exploiter les multiples parcours utilisateur, fournis clés en main. Des modules complémentaires en option permettent de proposer des solutions plus complexes grâce à une vaste gamme de fonctionnalités.","spans":[]},{"type":"paragraph","text":"Les principaux constructeurs, quant à eux, bénéficient de fonctionnalités très pointues pour mener des campagnes dédiées aux concessionnaires, qui sont mises facilement à jour et sans interruption via des API. Comme ce sont les constructeurs qui fixent désormais les prix et non plus les concessionnaires, il devient de plus en plus important pour les marques à gros volumes de disposer d’une capacité de réaction, de façon à ajuster rapidement les prix pour atteindre les objectifs. ","spans":[]}]},"id":"rich_text$a6942ffb-7343-4c51-984e-d6d7ba856c3b","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Dans un monde de plus en plus digital, les habitudes des clients ont changé et un modèle d’agence permet un parcours d’achat uniforme et transparent, que ce soit en ligne, dans un showroom physique, ou dans les deux à la fois.","spans":[]}],"author":"Gary Savage, PDG de Mercedes-Benz UK"},"id":"article_quote$7d82a80e-0fea-4b1a-add5-297e9c233b82","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Le moteur de décision d’Alfa Systems offre des décisions de crédit automatisées et des tableaux de bord aux sociétés de financement d’actifs de niche, qui rendent les intégrations inutiles.","spans":[]}]},"id":"rich_text$f527b2d2-0f68-4d7d-b8a4-96bd070b0b44","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Dans Alfa Systems 6, la capacité totale va encore plus loin ","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"heading3","text":"Satisfaire les exigences complexes des fournisseurs de services financiers les plus performants sur le plan du cycle de vie dans sa globalité.","spans":[]}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Alfa Start : une préconfiguration encore améliorée","accordion_item_copy":[{"type":"paragraph","text":"S’appuyant sur l’expérience d’Alfa dans les process clients, Alfa Start offre aux sociétés de financement automobiles et d’équipements une solution économique et rationalisée. Alfa Start est un produit préconfiguré qui couvre l’ensemble du cycle de vie du financement des actifs, de la proposition de contrat au recouvrement et à la revente du bien, ainsi que les rapports et les documents réglementaires. Avec Alfa Start, une mise en production est possible en seulement 22 semaines d’implémentation. L’intégration avec l’existant, systèmes ou fournisseurs de logiciels spécialisés, est facilitée par une suite complète d’API, très simples à mettre en œuvre.","spans":[{"start":61,"end":71,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}}]}]},{"accordion_item_label":"Une large couverture de produits, du crédit-bail au prêt","accordion_item_copy":[{"type":"paragraph","text":"Fort de son expérience internationale dans diverses industries, Alfa propose tout un ensemble de produits et de services financiers. Contrairement aux acteurs de niche, la plate-forme d’Alfa traite aussi bien le crédit-bail que le prêt, dont le wholesale, au service de clients particuliers ou professionnels. Grâce à une équipe très expérimentée d’ingénieurs et de consultants en implémentation, les clients d’Alfa bénéficient d’une grande flexibilité pour modéliser les produits financiers qu’ils désirent. Les investissements récents dans la tarification à l’utilisation et le crédit renouvelable ont enrichi la gamme de produits pour répondre aux nouveaux besoins par des solutions avant-gardistes.","spans":[]}]}],"primary":{},"id":"article_accordion$ef81db09-5d40-49f5-a908-0a86688de4aa","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Avec la capacité totale : surmonter des défis et saisir les opportunités","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"heading3","text":"Alfa Systems 6 peut transformer votre entreprise, créer de nouvelles sources de revenus et lui faire réaliser des gains de productivité.","spans":[{"start":0,"end":14,"type":"strong"}]}]},"id":"rich_text$5e795c2e-1096-490f-ab2a-542a29dfddfe","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunité : s’approprier la relation avec le client","accordion_item_copy":[{"type":"paragraph","text":"Si une société de financement s’approprie entièrement le parcours client, elle s’approprie par-là la relation client, et peut lui garantir la meilleure expérience possible. Si un client recherche un prêt automobile, la société de financement peut lui proposer une simulation directe et personnalisée sans avoir à payer un concessionnaire. En outre, elle possède les données de ce client et peut analyser ses opportunités de revenu futur, comprendre ses besoins et prévoir ses comportements. Elle peut également explorer les intégrations des fournisseurs de logiciels de niche et les appliquer tout au long du parcours client. En les intégrant à un système unique, il est possible de faire tout cela plus rapidement et avec une plus grande flexibilité, afin de gagner en efficience et en valeur. 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En travaillant avec nos architectes et nos partenaires accrédités, vous pourrez implémenter des intégrations basées sur une technologie de pointe et créer votre propre plate-forme personnalisée, tout en contribuant à stimuler l’innovation au sein de votre entreprise. ","spans":[{"start":0,"end":56,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Tirer parti de l’expertise d’Alfa : le réseau de consultants et d’experts techniques d’Alfa collabore pour constituer une importante base de connaissances tirée d’études de cas et de solutions d’intégration, qui aide les clients à affiner leurs choix et à comprendre les meilleures pratiques.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Accéder à des ressources locales à la fois formées et bien informées : l’écosystème de partenariat d’Alfa va au-delà des collaborations logicielles. 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Ses nombreuses options de configuration et ses API extensibles permettent de créer des solutions à la fois innovantes et sur mesure qui s’adaptent facilement aux besoins de demain. »","spans":[],"direction":"ltr"},{"type":"paragraph","text":"« L’Écosystème collaboratif facilite non seulement l’accès aux nouvelles technologies grâce à notre robuste cadre d’API et à nos technologies de pointe de transfert de données, mais il tire également parti notre réseau de consultants et d’experts techniques pour fournir un soutien inégalé et des informations précieuses. 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Ce n’est qu’en exploitant différentes forces que nous pouvons atteindre l’excellence.","spans":[{"start":10,"end":38,"type":"hyperlink","data":{"id":"Y1q7vREAACMABeso","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-02-09T09:13:32+0000","uid":"purpose-and-values","url":"/en-ap/about/purpose-and-values","link_type":"Document","isBroken":false}},{"start":40,"end":69,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$a7734bc1-7ebb-4a71-b662-c01e3c90c4c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"theme":"cobalt-10","copy":[{"type":"heading2","text":"Des systèmes modulaires facilement intégrés, implantés au cœur d’un écosystème interconnecté, génèrent des avantages économiques sur l’ensemble du secteur.","spans":[],"direction":"ltr"}]},"id":"text_banner$4a62d80c-94a8-4d04-b386-a350d20ceb03","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Ces principes à l’esprit, notre stratégie produit n’est pas de tout réaliser, mais de développer une compréhension approfondie du paysage logiciel qui complète notre produit. Cela nous permet de fournir des solutions hautement personnalisées à nos clients. En tant que fournisseur de plates-formes technologiques, notre responsabilité va au-delà de la recherche et de l’évaluation de ces options. Nous assurons également une intégration transparente, donnant ainsi à nos clients un accès facile à une gamme complète de solutions logicielles.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 offre les caractéristiques suivantes :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Une suite extensible d’API modernes qui prend en charge des cas d’usage d’intégration couvrant le cycle de vie de bout en bout d’un contrat de financement d’actifs. Le puissant workflow, les webhooks et les règles métier d’Alfa Systems 6 vous permettent de gérer l’ensemble de votre écosystème. Vous serez ainsi en mesure de mettre en œuvre et de gérer facilement les intégrations directement à partir d’Alfa Systems via la configuration, éliminant ainsi le besoin de développement par un prestataire.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Un pipeline de données qui fournit des flux d’événements de capture de modifications de données (CDC) pour un transfert de données rapide et en temps réel. Avec Apache Kafka, la norme sectorielle pour les pipelines de données en continu en temps réel, la capture de modifications de données (CDC) permet de connecter efficacement les abondantes données de reporting opérationnel d’Alfa Systems 6 aux plates-formes de données et de veille économique en aval.","spans":[{"start":0,"end":155,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Un accès transparent à l’écosystème AWS via Alfa Cloud. Bénéficiez d’outils technologiques de pointe, tels que ceux utilisés pour construire AskThea, l’assistant d’IA d’Alfa. Intégrez ces outils en toute sécurité dans votre écosystème pour stimuler l’innovation et l’efficacité.","spans":[{"start":0,"end":56,"type":"strong"},{"start":141,"end":148,"type":"hyperlink","data":{"id":"ZwU3ihAAACQA-dRs","type":"product","tags":[],"lang":"en-ap","slug":"fonde-sur-six-piliers-alfa-systems-6-aide-les-societes-proposant-des-services-financiers-a-surmonter-les-defis-majeurs-auxquels-elles-sont-confrontees-et-a-saisir-les-opportunites-qui-soffrent-a-elles.","first_publication_date":"2024-10-18T18:10:46+0000","last_publication_date":"2024-10-18T18:10:46+0000","uid":"fr-intelligent-automation","url":"/en-ap/product/article/fr-intelligent-automation","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$0b85705c-2443-4567-b344-849af9f8d89e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Des solutions d’intégration de pointe dans Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. API, webhooks et partenariats d’intégration à la pointe de la modernité","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 offre une robuste suite de web services avec plus de 200 points de terminaison granulaires, exposant ses fonctionnalités enrichies à des systèmes externes, facilitant une intégration transparente et permettant aux applications d’exploiter Alfa Systems 6 comme un moteur complet d’administration financière et de portefeuille.","spans":[],"direction":"ltr"}]},"id":"rich_text$4fe325d1-9095-4faf-a54e-5e3b0e5714c3","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":614},"alt":"Webhooks et partenariats d’intégration à la pointe de la modernité","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugSZrVsGrYSvZAV_AS6_6CE_webservices.svg","id":"ZugSZrVsGrYSvZAV","edit":{"x":1,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Webhooks et partenariats d’intégration à la pointe de la modernité","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$85b0e78d-c803-4528-aa0f-f5d62956d617","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Vaste couverture des points de terminaison","accordion_item_copy":[{"type":"paragraph","text":"Avec plus de 200 points de terminaison disponibles pour chaque processus métier, le système ne présente aucune limitation en matière de volume d’appels, garantissant ainsi la capacité d’évolution et de flexibilité des scénarios d’intégration.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Parité fonctionnelle","accordion_item_copy":[{"type":"paragraph","text":"Les fonctionnalités exposées dans les web services correspondent aux fonctionnalités proposées dans l’interface utilisateur. Cela assure une cohérence et permet une transition en douceur entre les processus basés sur l’interface utilisateur et les processus automatisés.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Granularité","accordion_item_copy":[{"type":"paragraph","text":"La granularité des points de terminaison du service web permet un contrôle et un accès précis à des fonctionnalités spécifiques, ce qui améliore la flexibilité et les options de personnalisation.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Gestion des versions et rétrocompatibilité","accordion_item_copy":[{"type":"paragraph","text":"Dans Alfa Systems 6, la gestion des versions et la rétrocompatibilité des web services sont des points clés. 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Cette documentation garantit la clarté, la facilité d’intégration et la rationalisation des processus de développement pour les systèmes externes.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Flexibilité en matière de protocoles","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems prend en charge les protocoles REST/JSON et SOAP/XML, répondant ainsi à diverses exigences d’intégration et permettant aux développeurs de choisir l’approche la plus adaptée à leurs applications.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d2d5b4b2-f946-4651-9067-90931ffa63cf","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 offre une gamme d’intégrations synchrones avec des systèmes externes, qui peuvent être déclenchées directement à partir de la plate-forme, fonctionnant comme des intégrations de fournisseurs de services (SPI). Ces SPI facilitent les connexions en permettant un échange de données efficace et en temps réel entre Alfa Systems 6 et des plates-formes externes. Vous trouverez ci-dessous quelques-unes des nombreuses SPI standard actuellement utilisées par nos clients :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Gestion documentaire. S’intègre à un système de stockage de documents permettant de télécharger et de récupérer des documents.","spans":[{"start":0,"end":21,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Recherche de clients. S’intègre aux systèmes d’entreprise, tels qu’un CRM, permettant de récupérer des informations sur les clients.","spans":[{"start":0,"end":21,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":" Validation des comptes bancaires. Valide les coordonnées bancaires telles que les numéros de compte et de routage.","spans":[{"start":1,"end":34,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Prise de décision de crédit. Demande des indicateurs de décision crédit à un système externe pour aider à la prise de décision de crédit automatisée.","spans":[{"start":0,"end":28,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Ce modèle d’intégration flexible vous permet de connecter Alfa Systems 6 de manière transparente à la solution du fournisseur de votre choix, éliminant ainsi tout besoin de développement personnalisé.","spans":[],"direction":"ltr"}]},"id":"rich_text$93049293-5153-42ac-9765-982645ad4704","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"Étude de cas : Automatisation des reports de paiement","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Le volume croissant de demandes de report de paiement dans le secteur a engendré une demande accrue d’automatisation. La boîte à outils d’intégration polyvalente d’Alfa Systems 6 offre la flexibilité nécessaire pour explorer et mettre en œuvre des solutions automatisées pour les processus existants.","spans":[],"direction":"ltr"}]},"id":"rich_text$0fa01778-fc00-4ea7-b0e5-e25268f3a1b8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":1392},"alt":"payment holiday case study","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugnILVsGrYSvZNH_AS6_6CE_payment_holiday.svg","id":"ZugnILVsGrYSvZNH","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Une intégration réussie effectuée dans l’ensemble de l’écosystème, transformant un processus qui prenait des heures en un processus dont la durée n’excède pas quelques minutes","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$ae0a6a97-62c1-4df8-a084-38cc6a48fd35","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Cet exemple met en évidence une intégration réussie dans l’ensemble de l’écosystème, qui tire parti des portails numériques, des outils d’aide à la décision et de la correspondance avec les clients. En utilisant l’ensemble des fonctionnalités d’Alfa Systems 6, y compris les web services, les règles métier et la gestion des workflows, nous avons orchestré un processus qui couvre la totalité de l’écosystème technique.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Cette intégration transparente permet d’obtenir une capacité entièrement numérique de bout en bout. Les clients peuvent ainsi demander et traiter des reports de paiement en quelques clics, transformant un processus qui prenait des heures en un processus qui ne nécessite que quelques minutes. Les clients finaux bénéficient de la commodité de pouvoir demander par eux-mêmes un report de paiement directement sur le portail en ligne. Cela a permis de réduire considérablement les demandes de renseignements aux centres d’appels tout en rationalisant les opérations et en améliorant l’expérience client dans son ensemble.","spans":[],"direction":"ltr"}]},"id":"rich_text$66f813d2-52dd-4247-b7e5-460c5ff28936","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Flux de données en temps réel","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Chez Alfa, nous avons pleinement conscience que nos clients utilisent Alfa Systems comme un composant d’un paysage technologique plus vaste. En conséquence, en plus des API de données en temps réel, des rapports intégrés à l’application et du stockage des données opérationnelles (ODS) - fourni dans le cadre de l’ensemble des fonctionnalités de base d’Alfa Systems 6 - Alfa a créé un service de streaming d’événements permettant la capture de modifications de données (CDC), optimisé par Apache Kafka.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZucqsrVsGrYSvYEE_AS6_6CE_quicksight.png?auto=format,compress","alt":"A representation of downstream data in Amazon QuickSight","copyright":null,"dimensions":{"width":512,"height":311},"id":"ZucqsrVsGrYSvYEE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Ce service fournit un flux continu d’événements de données de rapport en temps réel, ce qui permet aux clients de combiner facilement leurs données de rapport Alfa Systems en temps réel avec celles d’autres systèmes dans un référentiel central, un centre de données ou encore une plate-forme de données. À partir de là, ils peuvent tirer parti des outils de veille économique à l’échelle de l’entreprise pour obtenir des informations plus détaillées et des rapports opérationnels.","spans":[],"direction":"ltr"}]},"id":"rich_text$33ef6c41-18e3-48c9-9025-4e7e22249fe6","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. Accès à l’écosystème et au marché AWS via Alfa Cloud","spans":[],"direction":"ltr"},{"type":"paragraph","text":"L’évolution fulgurante de l’IA a ouvert la voie à une vague de nouveaux outils technologiques, transformant la manière dont les entreprises opèrent et innovent. Positionnée au sein de l’écosystème AWS, Alfa Cloud, la solution SaaS standardisée, à locataire unique et native dans le cloud proposée par Alfa met les dernières avancées à votre portée. Offrant de nouvelles possibilités de renforcer l’efficacité et l’efficience, cet accès permanent est indispensable pour faire face à l’évolution constante du paysage technologique.","spans":[{"start":202,"end":212,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=format,compress","alt":"Alfa cloud logo","copyright":null,"dimensions":{"width":11102,"height":3565},"id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Comme mis en évidence dans le Pilier 4 : Évolutivité, Alfa Cloud est conçu pour les clients qui cherchent à faire évoluer leur offre efficacement, à la fois de manière dynamique et à la demande.","spans":[{"start":30,"end":52,"type":"hyperlink","data":{"id":"ZwU1FxAAACQA-dC_","type":"product","tags":[],"lang":"en-ap","slug":"fonde-sur-six-piliers-alfa-systems-6-aide-les-societes-proposant-des-services-financiers-a-surmonter-les-defis-majeurs-auxquels-elles-sont-confrontees-et-a-saisir-les-opportunites-qui-soffrent-a-elles.","first_publication_date":"2024-10-18T18:11:09+0000","last_publication_date":"2024-10-18T18:11:09+0000","uid":"fr-scalability","url":"/en-ap/product/article/fr-scalability","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Les technologies de pointe et les services automatisés permettent aux clients de déployer des solutions innovantes sur le marché. Et celles-ci garantissent des performances optimales - non seulement pour les opérations quotidiennes, mais également pendant les pics de demande avec des processus gourmands en ressources.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/f4f49be4-c6ec-43e4-b861-18e5ed4c50c0_AWS+Partner+Logos.png?auto=format,compress","alt":"logos showing Partner and Qualified Software status for AWS","copyright":null,"dimensions":{"width":2671,"height":1242},"id":"ZONsJRAAACQAxMb7","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"En choisissant Alfa Systems 6, vous avez accès à une vaste gamme de services et d’outils AWS en constante expansion, au sein d’un environnement entièrement intégré, déjà connecté au cloud. Quel que soit l’endroit où vos autres technologies sont hébergées, l’utilisation d’Alfa Cloud élimine le besoin de naviguer à travers les frontières du réseau interne, ce qui permet une adaptation plus aisée aux demandes technologiques fluctuantes et maintient vos systèmes à la pointe de l’innovation.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ces ensembles d’outils en évolution rapide permettent de combiner l’innovation et le prototypage pour produire des solutions révolutionnaires. Cela permet à Alfa de fournir des solutions techniques et fonctionnelles de pointe, sans avoir à partir d’une feuille blanche.","spans":[],"direction":"ltr"}]},"id":"rich_text$f7a4ae63-2c06-4514-a59f-ebe8cb81fa60","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"L’IA en tant que service dans l’Écosystème collaboratif : cas d’utilisation :","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ces dernières années, diverses solutions basées sur l’IA ont vu le jour, toutes conçues pour automatiser le processus d’octroi. Une récente validation technique a permis à Alfa de tirer parti de ces avancées, ainsi que des principaux services AWS, pour automatiser la majorité du parcours de financement.","spans":[],"direction":"ltr"}]},"id":"rich_text$4db8db20-6db0-42e4-899f-173dc70e5ba8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":839},"alt":"The funding journey, orchestrated in Alfa Systems 6","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugjrbVsGrYSvZKy_AS6_6CE_digital.svg","id":"ZugjrbVsGrYSvZKy","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Contrats numériques : le parcours de financement, orchestré dans Alfa Systems 6.","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$82051537-ea73-4bc2-a7c1-174b640737b7","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Workflow dans Alfa Systems 6 gère l’ensemble du processus de bout en bout. Cela permet aux clients de le configurer et de l’adapter à leurs besoins spécifiques. Point essentiel, la solution n’est pas liée à des fournisseurs spécifiques, ce qui offre une extensibilité et la flexibilité nécessaires pour intégrer des services nouveaux et améliorés à mesure qu’ils émergent sur le marché.","spans":[{"start":0,"end":28,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Faits saillants :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Une fois la cotation saisie, les données du client sont envoyées aux solutions de KYC (Know Your Customers), de vérification des fraudes et de capacité financière à des fins de vérification. Le workflow déclenche automatiquement une vérification manuelle supplémentaire lorsque des informations pertinentes sont signalées, en utilisant les règles métier d’Alfa Systems 6 pour automatiser la prise de décision.","spans":[],"direction":"ltr"},{"type":"list-item","text":"La correspondance client et les mises à jour du CRM sont gérées par la solution groupe, les métadonnées étant transmises par Alfa Systems 6 à une étape spécifique du workflow. L’automatisation est encore améliorée grâce aux capacités intégrées de signature électronique.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Le traitement et la classification des documents au sein du dossier contractuel, tels que les factures des fournisseurs et l’identification, constituent le domaine principal de l’automatisation. Notre validation technique a utilisé les services AWS et l’IA via des grands modèles de langage avancés pour automatiser la classification et la validation de ces documents, afin de veiller de manière dynamique à ce qu’ils s’alignent sur le contrat enregistré dans Alfa Systems 6.","spans":[],"direction":"ltr"}]},"id":"rich_text$041602f9-0d45-473c-8fb4-8450ea267f0e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Systems 6 : L’orchestrateur","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/6a1e0967-0dca-4534-9d0c-cc09e87eaefb_digital-directions-3-report-cover.png?auto=format%2Ccompress\u0026rect=0%2C0%2C960%2C960\u0026w=175\u0026h=175","alt":"Digital Direction 3 report - Cover","copyright":null,"dimensions":{"width":175,"height":175},"id":"Y4YDahEAACQAPI1_","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Rédigé en 2022, l’article Digital Directions 3 : Building a digital ecosystem for asset finance (directions numériques, partie 3 : construire un écosystème numérique pour le financement des actifs) s’appuyait sur les contributions d’experts du secteur pour comprendre un avenir dans lequel le pouvoir de la technologie n’est pas canalisé par des opérateurs individuels, mais par de multiples participants, qui collaborent pour offrir une nouvelle valeur qui dépasse la somme de ses parties.","spans":[{"start":26,"end":95,"type":"em"},{"start":26,"end":95,"type":"hyperlink","data":{"id":"Y1q5txEAACEABeAq","type":"article","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2024-02-09T10:39:56+0000","uid":"digital-directions-series","url":"/en-ap/news-and-insights/digital-directions-series","link_type":"Document","isBroken":false}},{"start":97,"end":196,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Dans cet article, nous avons donné un aperçu du rôle émergent des fournisseurs de technologie en tant qu’orchestrateurs d’écosystèmes, identifié divers types d’écosystèmes, et examiné les possibilités de les déployer afin de répondre aux besoins des acteurs de l’industrie du financement automobile et des équipements.","spans":[],"direction":"ltr"}]},"id":"rich_text$19737caa-acad-4a4a-b5e1-ea3d80df20d9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"« Un nouveau rôle émerge pour un orchestrateur qui agit comme un chef d’orchestre, assurant que chaque participant travaille efficacement et harmonieusement avec les autres, tout comme un chef d’orchestre cherche à faire s’accorder les instruments à bois avec les instruments à cordes. »","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$bf372e2e-d6f9-4b5c-975c-a8cec3c388f9","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Grâce à ses robustes capacités de workflow et à ses API et webhooks puissants, Alfa Systems 6 est devenu cet orchestrateur : accélérant considérablement le processus de financement, et fournissant des décisions en quelques secondes, et en le concluant dès que la logistique de livraison du bien le permet.","spans":[],"direction":"ltr"}]},"id":"rich_text$aeb61c0b-42de-40e3-bc75-04155c36ee8e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"« L’écosystème symbiotique » est le modèle le plus couramment déployé par les grandes entreprises technologiques comme Alfa. Le fournisseur de plate-forme technologique agit généralement en tant qu’orchestrateur, créant ou coordonnant une communauté de solutions technologiques conformes aux règles établies par le principal fournisseur de plate-forme. »","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$75a435a7-79a4-44ce-8f94-199d400cdd4a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Écosystème collaboratif : Relever les défis et saisir les opportunités","spans":[],"direction":"ltr"}]},"id":"rich_text$aef6e6b0-6b07-4bea-bee7-ffedcbd367a8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunité : Intégrer la facturation électronique dans le processus d’octroi","accordion_item_copy":[{"type":"paragraph","text":"Les nouvelles réglementations sur la facturation électronique et la déclaration de TVA pour les transactions transfrontalières en Europe ne simplifient pas nécessairement l’ensemble du paysage mondial de la facturation, car chaque pays maintient ses propres normes. Par exemple, le Royaume-Uni n’impose pas le respect de la norme PEPPOL, même pour les transactions transfrontalières.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Les différents formats et normes selon les régimes offrent la possibilité d’accélérer la conformité en s’intégrant à une solution de facturation électronique qui fournit les données structurées requises directement aux intermédiaires gouvernementaux. En outre, les grands modèles de langage (LLM) basés sur le cloud et les services d’extraction de texte peuvent extraire et simplifier les données des factures en dehors de ces réglementations, pour aider aux analyses et au reporting.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunité : Le besoin de flexibilité","accordion_item_copy":[{"type":"paragraph","text":"Les entreprises continuent d’être confrontées à des niveaux importants d’incertitude, la pression pour des solutions durables se heurtant souvent aux besoins à court terme et au défi de vérifier des analyses de rentabilisation claires. Il en résulte que les sociétés de financement automobile et d’équipements doivent faire preuve d’une plus grande agilité pour faire face à cette incertitude. Cela implique le besoin de piloter de nouveaux produits et processus, tels que des produits basés sur l’utilisation, des offres X-aaS et des solutions basées sur des abonnements.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Atteindre une telle agilité implique de tirer parti de technologie à faible coût, afin de permettre aux entreprises d’expérimenter, de prototyper et de déterminer quelles solutions correspondent à leurs objectifs et à la demande du marché. Par exemple, certaines entreprises qui ont exploré les modèles X-aaS ont découvert que le crédit-bail à durée flexible avec facturation basée sur l’utilisation est mieux adapté. Un résultat positif a été obtenu en associant un fournisseur de télématique, suivant chaque bien, à l’API d’Alfa Systems. Ceci a permis de démontrer comment itération rapide et agilité permettent de produire des résultats significatifs.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Une technologie en évolution rapide","accordion_item_copy":[{"type":"paragraph","text":"La théorie de la destruction créatrice de Schumpeter se vérifie de manière éclatante : les avancées technologiques rapides obligent les entreprises technologiques et les sociétés financières à développer leur capacité, leur résilience et leur maturité afin de parvenir à suivre.","spans":[{"start":0,"end":52,"type":"hyperlink","data":{"link_type":"Web","url":"about:blank","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"Pour les sociétés financières, l’exploration de l’IA basée sur le cloud et d’autres outils pour stimuler l’innovation et créer de nouvelles fonctionnalités implique qu’elles ont besoin de fournisseurs de technologies ayant une expérience avérée en matière d’innovation et d’évolution continue, des partenaires sur lesquels elles peuvent compter pour les décennies à venir.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Les attentes des clients","accordion_item_copy":[{"type":"paragraph","text":"Les attentes des clients continuent d’évoluer. Celles-ci sont stimulées par une meilleure compréhension des capacités de la technologie et par la prévalence d’écosystèmes de haut niveau et étroitement intégrés dans la vie quotidienne, par des discussions par ChatGPT et les services sophistiqués intégrés dans iOS et Android.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Que vos clients soient des consommateurs, des PME, des entreprises ou même des parties prenantes internes, ils risquent de se désengager si vous n’utilisez pas efficacement les nouvelles technologies pour leur offrir l’expérience à la fois cohérente et intégrée qu’ils attendent aujourd’hui. 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Durch die Zusammenarbeit mit unseren Architekten und akkreditierten Partnern können Sie leistungsstarke Integrationen mit moderner Technologie erreichen und Ihre eigene maßgeschneiderte Plattform aufbauen – und so Innovationen in Ihrem Unternehmen vorantreiben. ","spans":[{"start":0,"end":62,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Das Know-how und die Erfahrung von Alfa zu nutzen: Das Alfa-Netzwerk von Beratern und technischen Experten arbeitet zusammen, um eine umfangreiche Wissensdatenbank mit Fallstudien und Lösungen zur Integration aufzubauen, die Kunden dabei hilft, ihre Auswahl zu optimieren und Best Practices zu verstehen.","spans":[{"start":0,"end":50,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Zugang zu geschulten, kompetenten lokalen Ressourcen zu bieten: Das Partnerschafts-Ökosystem von Alfa geht über Software-Kooperationen hinaus: Unsere Bereitstellungspartnerschaften verschaffen Kunden Zugang zu lokalen Ressourcen, die vollständig in der Konfiguration und den Prozessen von Alfa Systems geschult sind und durch den KI-Assistenten von Alfa – AskThea – ergänzt werden.","spans":[{"start":0,"end":63,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Kollaboratives Ökosystem in Aktion:","spans":[{"start":0,"end":24,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$9ae6e55b-dc34-4cc2-b7b0-6d0bbd0539ca","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"1009850607","video_caption":[{"type":"paragraph","text":"Das kollaborative Ökosystem in Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$657f3317-d2dc-4ab7-a7cc-1fad95c429c6","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"„Bei Alfa Systems 6 liegt der Fokus nach wie vor auf der Bereitstellung von Spitzentechnologie für unsere Kunden. Die umfangreichen Konfigurationsoptionen und erweiterbaren APIs ermöglichen die Erstellung innovativer, maßgeschneiderter Lösungen, die sich problemlos an die Anforderungen von morgen anpassen lassen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Das kollaborative Ökosystem erleichtert nicht nur den Zugang zu neuen Technologien durch unser robustes API-Framework und modernste Datenübertragungstechnologien, sondern macht sich auch unser Netzwerk von Beratern und technischen Experten zunutze, um einzigartigen Support und Einblicke zu bieten. Und wir begleiten Sie bei jedem Schritt auf Ihrem Weg.“","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, Alfa CTO"},"id":"article_quote$cea594f7-5b2c-481a-aa88-284535e74294","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Kollaboratives Ökosystem in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Keine Lösung steht für sich allein. Obwohl Alfa Systems 6 Ihre Anforderungen in hohem Maße erfüllt, entfaltet sich sein wahres Potenzial erst durch die Zusammenarbeit mit synergetischen Partnern und Lösungen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Einer der Kernwerte von Alfa, „Make it better together“, gilt nicht nur für die Konzepte der Teamarbeit und Partnerschaft, sondern auch für ergänzende Software und Dienstleistungen. Nur wenn wir vielfältige Stärken nutzen, können wir Spitzenleistungen erbringen.","spans":[{"start":10,"end":28,"type":"hyperlink","data":{"id":"Y1q7vREAACMABeso","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-02-09T09:13:32+0000","uid":"purpose-and-values","url":"/en-ap/about/purpose-and-values","link_type":"Document","isBroken":false}},{"start":31,"end":54,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$a7734bc1-7ebb-4a71-b662-c01e3c90c4c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"theme":"cobalt-10","copy":[{"type":"heading2","text":"Leicht zu integrierende modulare Systeme, die das Herzstück eines Ökosystems miteinander vernetzter Systeme bilden, bringen wirtschaftliche Vorteile im gesamten Sektor.","spans":[],"direction":"ltr"}]},"id":"text_banner$4a62d80c-94a8-4d04-b386-a350d20ceb03","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Unter Berücksichtigung dieser Grundsätze besteht unsere Produktstrategie nicht darin, alles zu erreichen, sondern ein tiefes Verständnis der Softwarelandschaft zu entwickeln, die unser Produkt ergänzt. So können wir unseren Kunden maßgeschneiderte Lösungen anbieten. Als Anbieter einer Technologieplattform beschränkt sich unsere Verantwortung nicht nur darauf, diese Optionen zu prüfen und zu bewerten. Wir sorgen auch für eine nahtlose Integration, damit unsere Kunden mühelos Zugang zu einer breiten Palette von Softwarelösungen erhalten.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 bietet die folgenden Funktionen:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Eine erweiterbare Suite moderner APIs, die Integrationsanwendungsfälle unterstützt, die den kompletten Lebenszyklus eines Vertrags zur Anlagenfinanzierung abdecken. Mit den leistungsstarken Workflows, Webhooks und Geschäftsregeln von Alfa Systems 6 können Sie Ihr gesamtes Ökosystem steuern. Integrationen lassen sich direkt von Alfa Systems durch Konfiguration implementieren und verwalten, wodurch die Notwendigkeit der Anbieterentwicklung entfällt.","spans":[{"start":0,"end":37,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Datenpipeline, die CDC-Ereignisströme (Erfassung von Änderungsdaten, Change Data Capture) für eine schnelle Datenübertragung in Echtzeit bereitstellt. Mit Apache Kafka, dem Industriestandard für Echtzeit-Streaming-Datenpipelines, ermöglicht CDC die effiziente Verbindung der umfangreichen operativen Berichtsdaten in Alfa Systems 6 mit nachgelagerten Daten- und BI-Plattformen.","spans":[{"start":0,"end":150,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Nahtloser Zugriff auf das AWS-Ökosystem über Alfa Cloud. Sie profitieren von modernsten technologischen Tools wie denen, die bei der Entwicklung des KI-Assistenten von Alfa – AskThea – zum Einsatz kamen. Integrieren Sie diese Tools sicher in Ihr Ökosystem, um Innovation und Effizienz voranzutreiben.","spans":[{"start":0,"end":57,"type":"strong"},{"start":175,"end":182,"type":"hyperlink","data":{"id":"ZqILsRIAAB4A6fRX","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2024-07-25T08:24:34+0000","last_publication_date":"2024-10-01T17:12:34+0000","uid":"intelligent-automation","url":"/en-ap/product/article/intelligent-automation","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$0b85705c-2443-4567-b344-849af9f8d89e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Modernste Integrationslösungen in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. Moderne APIs, Webhooks und Integrationspartnerschaften","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 bietet eine robuste Suite von Webservices mit über 200 granularen Endpunkten, die die umfangreichen Funktionen für externe Systeme zugänglich machen, eine nahtlose Integration unterstützen und es ermöglichen, dass Anwendungen Alfa Systems 6 als umfassende Finanz- und Portfolioverwaltungs-Engine nutzen können.","spans":[],"direction":"ltr"}]},"id":"rich_text$4fe325d1-9095-4faf-a54e-5e3b0e5714c3","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":614},"alt":"Modern APIs, webhooks and integration partnerships","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugSZrVsGrYSvZAV_AS6_6CE_webservices.svg","id":"ZugSZrVsGrYSvZAV","edit":{"x":1,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Moderne APIs, Webhooks und Integrationspartnerschaften","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$85b0e78d-c803-4528-aa0f-f5d62956d617","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Umfangreiche Endpunkt-Abdeckung","accordion_item_copy":[{"type":"paragraph","text":"Mit über 200 Endpunkten, die für jeden Geschäftsprozess zur Verfügung stehen, gibt es keine Beschränkungen hinsichtlich des Anrufvolumens, was Skalierbarkeit und Flexibilität bei Integrationsszenarien gewährleistet.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Funktionsparität","accordion_item_copy":[{"type":"paragraph","text":"Die über Webdienste bereitgestellten Funktionen entsprechen den in der Benutzeroberfläche (UI) verfügbaren Funktionen, was für Konsistenz sorgt und einen nahtlosen Übergang zwischen UI-basierten und automatisierten Prozessen ermöglicht.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Detailliertheit","accordion_item_copy":[{"type":"paragraph","text":"Die Detailliertheit der Webservice-Endpunkte unterstützt eine präzise Steuerung und einen granularen Zugriff auf bestimmte Funktionen, was die Flexibilität und Möglichkeiten zur Anpassung verbessert.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Versionskontrolle und Abwärtskompatibilität","accordion_item_copy":[{"type":"paragraph","text":"Bei der Entwicklung der Webdienste in Alfa Systems 6 standen Versionskontrolle und Abwärtskompatibilität im Vordergrund, um reibungslose Übergänge bei Systemupgrades oder -änderungen zu gewährleisten.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Supportfähigkeit","accordion_item_copy":[{"type":"paragraph","text":"Webdienste enthalten integrierte Funktionen zur Vereinfachung des Anwendungssupports, wodurch die Fehlerbehebung und die Aufrechterhaltung der Systemstabilität erleichtert werden.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Dokumentationsstandards","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems 6 verfügt über eine umfassende Dokumentation für seine Webservices, einschließlich OpenAPI-Spezifikationen, WSDLs und Swagger-basierter Dokumentation. Diese Dokumentation schafft Klarheit, erleichtert die Integration und optimiert die Entwicklungsprozesse für externe Systeme.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Protokollflexibilität","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems unterstützt sowohl REST/JSON- als auch SOAP/XML-Protokolle, um unterschiedlichen Integrationsanforderungen gerecht zu werden und Entwicklern die Möglichkeit zu geben, den für ihre Anwendungen am besten geeigneten Ansatz zu wählen.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d2d5b4b2-f946-4651-9067-90931ffa63cf","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 bietet zahlreiche synchrone Integrationen mit externen Systemen, die direkt aus der Plattform heraus ausgelöst werden können und als Service Provider Integrations (SPIs) funktionieren. Diese SPIs ermöglichen nahtlose Schnittstellen für einen effizienten Datenaustausch in Echtzeit zwischen Alfa Systems 6 und externen Plattformen. Nachstehend finden Sie einige der vielen Standard-SPIs, die derzeit bei unseren Kunden im Einsatz sind:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Dokumentenmanagement. Integration mit einem Dokumentenspeicher zum Hochladen und Abrufen von Dokumenten.","spans":[{"start":0,"end":21,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Kundensuche. Integration mit Unternehmenssystemen wie CRM, um Kundeninformationen abzurufen.","spans":[{"start":0,"end":12,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Bankkontoprüfung. Überprüfung von Bankkontodaten wie Kontonummer und Bankleitzahl.","spans":[{"start":0,"end":17,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Kreditentscheidung. Anforderung von Kreditentscheidungsdaten aus einem externen System für die automatisierte Kreditentscheidung.","spans":[{"start":0,"end":19,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Mit diesem flexiblen Integrationsmuster können Sie Alfa Systems 6 nahtlos mit der Lösung eines Anbieters Ihrer Wahl verbinden – es ist keine kundenspezifische Entwicklung erforderlich.","spans":[],"direction":"ltr"}]},"id":"rich_text$93049293-5153-42ac-9765-982645ad4704","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"Fallbeispiel: Automatisierung von Zahlungsunterbrechungen","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Das zunehmende Volumen von Anträgen auf Zahlungspausen in der Branche hat die Nachfrage nach einer stärkeren Automatisierung vergrößert. Das vielseitige Integrations-Toolkit von Alfa Systems 6 bietet die nötige Flexibilität, um automatisierte Lösungen für bestehende Prozesse zu entwickeln und einzuführen.","spans":[],"direction":"ltr"}]},"id":"rich_text$0fa01778-fc00-4ea7-b0e5-e25268f3a1b8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":1392},"alt":"payment holiday case study","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugnILVsGrYSvZNH_AS6_6CE_payment_holiday.svg","id":"ZugnILVsGrYSvZNH","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Eine erfolgreiche Integration, die sich über das gesamte Ökosystem erstreckte und einen Prozess von Stunden auf Minuten verkürzte","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$ae0a6a97-62c1-4df8-a084-38cc6a48fd35","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Dieses Beispiel zeigt eine erfolgreiche Integration über das gesamte Ökosystem hinweg, wobei digitale Portale, Entscheidungshilfen und Kundenkorrespondenz genutzt werden. Mithilfe der umfangreichen Funktionen von Alfa Systems 6, einschließlich Webservices, Geschäftsregeln und Workflow-Management, haben wir einen Prozess gestaltet, der das gesamte technische Ökosystem umfasst.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Diese nahtlose Integration ermöglicht eine durchgängige, vollständig digitale Funktion, mit der Kunden mit nur wenigen Klicks Zahlungsunterbrechungen beantragen und abwickeln können – so wird aus einem stundenlangen Verfahren ein minutenschneller Prozess. Die Endkunden konnten ihre Zahlungspausen selbständig über das Online-Portal verwalten, was die Zahl der Callcenter-Anfragen erheblich verringert und damit die Abläufe optimiert und das Kundenerlebnis insgesamt verbessert hat.","spans":[],"direction":"ltr"}]},"id":"rich_text$66f813d2-52dd-4247-b7e5-460c5ff28936","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Echtzeit-Datenstreaming","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Bei Alfa sind wir uns darüber im Klaren, dass unsere Kunden Alfa Systems als Teil einer umfassenderen Technologielandschaft nutzen. Dementsprechend hat Alfa zusätzlich zu Echtzeit-Daten-APIs, In-App-Reporting und dem Operational Data Store (ODS) – die im Rahmen der Kernfunktionen von Alfa Systems 6 bereitgestellt werden – einen Event-Streaming-Service entwickelt, der die Erfassung von Änderungsdaten (CDC) ermöglicht und auf Apache Kafka basiert.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZucqsrVsGrYSvYEE_AS6_6CE_quicksight.png?auto=format,compress","alt":"A representation of downstream data in Amazon QuickSight","copyright":null,"dimensions":{"width":512,"height":311},"id":"ZucqsrVsGrYSvYEE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Dieser Dienst liefert einen kontinuierlichen Strom von Echtzeit-Reporting-Datenereignissen und ermöglicht es den Kunden, ihre Echtzeit-Reporting-Daten von Alfa Systems ohne Weiteres mit denen aus anderen Systemen in einem zentralen Repository oder Data Warehouse, Lake oder Lake House zu kombinieren. Von dort aus können sie unternehmensweite BI-Tools für tiefere Einblicke und Betriebsberichte nutzen.","spans":[],"direction":"ltr"}]},"id":"rich_text$33ef6c41-18e3-48c9-9025-4e7e22249fe6","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. Zugriff auf AWS-Ökosystem und -Marktplatz über Alfa Cloud","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die rasante Weiterentwicklung von KI hat eine Welle neuer technologischer Tools hervorgebracht, die die Arbeitsweise und die Innovationsfähigkeit von Unternehmen grundlegend verändern. Innerhalb des AWS-Ökosystems stellt Alfa Cloud – die standardisierte, mandantenfähige, cloudnative SaaS-Lösung von Alfa – die neuesten Entwicklungen für Sie bereit. Dieser durchgängige Zugang ist von zentraler Bedeutung, da sich die Technologielandschaft ständig weiterentwickelt und neue Möglichkeiten zur Steigerung von Effizienz und Effektivität bietet.","spans":[{"start":221,"end":231,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=format,compress","alt":"Alfa cloud logo","copyright":null,"dimensions":{"width":11102,"height":3565},"id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Wie in Säule 4: Skalierbarkeit dargestellt, ist Alfa Cloud für Kunden konzipiert, die ihr Angebot sowohl dynamisch als auch nach Bedarf effizient skalieren wollen.","spans":[{"start":7,"end":30,"type":"hyperlink","data":{"id":"ZwUxfRAAACMA-ctH","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-6-basiert-auf-sechs-saulen-und-unterstutzt-finanzdienstleister-dabei-die-gro%C3%9Fen-herausforderungen-zu-meistern-und-die-lukrativen-chancen-zu-nutzen-die-sich-ihnen-bieten.","first_publication_date":"2024-10-18T18:37:41+0000","last_publication_date":"2024-10-18T18:37:41+0000","uid":"de-scalability","url":"/en-ap/product/article/de-scalability","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Mit Spitzentechnologien und automatisierten Diensten können Kunden innovative Lösungen auf den Markt bringen und eine optimale Leistung gewährleisten – nicht nur im täglichen Betrieb, sondern auch in Zeiten hoher Nachfrage, wenn ressourcenintensive Prozesse ablaufen.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/f4f49be4-c6ec-43e4-b861-18e5ed4c50c0_AWS+Partner+Logos.png?auto=format,compress","alt":"logos showing Partner and Qualified Software status for AWS","copyright":null,"dimensions":{"width":2671,"height":1242},"id":"ZONsJRAAACQAxMb7","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Mit Alfa Systems 6 erhalten Sie Zugriff auf eine breite und ständig wachsende Palette von AWS-Diensten und -Tools in einer vollständig integrierten Umgebung, die bereits mit der Cloud verbunden ist. Unabhängig vom Standort Ihrer übrigen Technologie entfällt durch die Nutzung der Alfa Cloud die Notwendigkeit, interne Netzwerkgrenzen zu überwinden. Das ermöglicht eine reibungslosere Anpassung an sich ändernde technologische Anforderungen und sorgt dafür, dass Ihre Systeme an der Spitze der Innovation stehen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Diese sich rasch entwickelnden Tools erleichtern die Kombination von Innovation und Prototyping, um bahnbrechende Lösungen zu entwickeln. Damit kann Alfa technische und funktionelle Lösungen auf dem neuesten Stand liefern, ohne von Grund auf anfangen zu müssen.","spans":[],"direction":"ltr"}]},"id":"rich_text$f7a4ae63-2c06-4514-a59f-ebe8cb81fa60","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"AI-as-a-Service im kollaborativen Ökosystem: Anwendungsfall","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In den letzten Jahren sind mehrere KI-gestützte Lösungen auf den Markt gekommen, die den Geschäftsprozess der Kreditvergabe automatisieren sollen. Bei einem vor Kurzem durchgeführten Proof-of-Concept konnte Alfa diese Fortschritte zusammen mit wichtigen AWS-Diensten nutzen und den Großteil des Finanzierungsprozesses automatisieren.","spans":[],"direction":"ltr"}]},"id":"rich_text$4db8db20-6db0-42e4-899f-173dc70e5ba8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":839},"alt":"The funding journey, orchestrated in Alfa Systems 6","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugjrbVsGrYSvZKy_AS6_6CE_digital.svg","id":"ZugjrbVsGrYSvZKy","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Digitales Contracting: Der Finanzierungsprozess – in Alfa Systems 6 gesteuert","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$82051537-ea73-4bc2-a7c1-174b640737b7","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Workflow in Alfa Systems 6 steuert den gesamten End-to-End-Prozess, den Kunden konfigurieren und an ihre spezifischen Anforderungen anpassen können. Insbesondere ist die Lösung nicht an bestimmte Anbieter gebunden, denn sie ist erweiterbar und verfügt über die Flexibilität, neue und verbesserte Dienste einzubinden, wenn diese auf dem Markt erscheinen.","spans":[{"start":0,"end":26,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Wichtige Highlights:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Sobald ein Angebot erfasst ist, werden die Kundendaten an die Lösungen für KYC-, Betrugs- und Erschwinglichkeitsprüfung übermittelt. Workflow löst automatisch eine zusätzliche manuelle Überprüfung aus, wenn einschlägige Informationen identifiziert werden, wobei die Geschäftsregeln von Alfa Systems 6 zur Automatisierung der Entscheidungsfindung dienen.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Kundenkorrespondenz und CRM-Updates werden über die Gruppenlösung abgewickelt, wobei die Metadaten von Alfa Systems 6 in einem bestimmten Schritt im Workflow weitergeleitet werden. Integrierte Funktionen für die elektronische Signatur verstärken die Automatisierung noch.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Die Verarbeitung und Klassifizierung von Dokumenten innerhalb des Vertragspakets – wie etwa Lieferantenrechnungen und Identifikation – sind vorrangige Bereiche der Automatisierung. Unser Proof-of-Concept nutzte AWS-Dienste und KI über fortschrittliche große Sprachmodelle, um die Klassifizierung und Validierung solcher Dokumente zu automatisieren und dynamisch sicherzustellen, dass sie mit dem in Alfa Systems 6 gespeicherten Vertrag übereinstimmen.","spans":[],"direction":"ltr"}]},"id":"rich_text$041602f9-0d45-473c-8fb4-8450ea267f0e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Systems 6: Der Koordinator","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/6a1e0967-0dca-4534-9d0c-cc09e87eaefb_digital-directions-3-report-cover.png?auto=format%2Ccompress\u0026rect=0%2C0%2C960%2C960\u0026w=175\u0026h=175","alt":"Digital Direction 3 report - Cover","copyright":null,"dimensions":{"width":175,"height":175},"id":"Y4YDahEAACQAPI1_","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Digital Directions 3: Aufbau eines digitalen Ökosystems für die Asset-Finanzierung aus dem Jahr 2022 stützt sich auf die Beiträge von Branchenexperten und beschreibt eine Zukunft, in der die Möglichkeiten der Technologie nicht von einzelnen Betreibern, sondern von zahlreichen Beteiligten gelenkt werden, die gemeinsam neue Werte schaffen, die die Summe ihrer Teile übersteigen.","spans":[{"start":0,"end":82,"type":"em"},{"start":0,"end":82,"type":"hyperlink","data":{"id":"Y1q5txEAACEABeAq","type":"article","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2024-02-09T10:39:56+0000","uid":"digital-directions-series","url":"/en-ap/news-and-insights/digital-directions-series","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Wir gaben Einblicke in die neue Rolle von Technologieanbietern als Koordinatoren von Ökosystemen, identifizierten verschiedene Arten von Ökosystemen und erörterten die Möglichkeiten, diese zur Erfüllung der Anforderungen der Automobil- und Ausrüstungsfinanzierung einzusetzen.","spans":[],"direction":"ltr"}]},"id":"rich_text$19737caa-acad-4a4a-b5e1-ea3d80df20d9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"Es entsteht eine neue Rolle für einen Koordinator, der wie ein Dirigent in einem Orchester agiert und dafür sorgt, dass alle Beteiligten effektiv und harmonisch zusammenarbeiten, so wie ein Dirigent darauf achtet, dass die Holzbläser mit den Streichern harmonieren.","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$bf372e2e-d6f9-4b5c-975c-a8cec3c388f9","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Mit seinen robusten Workflow-Funktionen und leistungsstarken APIs und Webhooks ist Alfa Systems 6 zu diesem Koordinator geworden: Es beschleunigt den Finanzierungsprozess erheblich und liefert Entscheidungen in Sekundenschnelle, sobald die Bereitstellungslogistik dies zulässt.","spans":[],"direction":"ltr"}]},"id":"rich_text$aeb61c0b-42de-40e3-bc75-04155c36ee8e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"Das „symbiotische Ökosystem“ ist das gängigste Modell, das von führenden Technologieunternehmen wie Alfa eingesetzt wird. Der Anbieter einer Technologieplattform fungiert in der Regel als Koordinator, der eine Gemeinschaft von Technologielösungen schafft oder zusammenführt, die den vom dominierenden Plattformanbieter aufgestellten Regeln entsprechen.","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$75a435a7-79a4-44ce-8f94-199d400cdd4a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Kollaboratives Ökosystem: Chancen und Herausforderungen angehen","spans":[],"direction":"ltr"}]},"id":"rich_text$aef6e6b0-6b07-4bea-bee7-ffedcbd367a8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Chance: Integration der elektronischen Rechnungsstellung in die Kreditvergabe","accordion_item_copy":[{"type":"paragraph","text":"Die neuen Vorschriften über die elektronische Rechnungsstellung und die Mehrwertsteuererklärung für grenzüberschreitende Transaktionen in Europa führen nicht unbedingt zu einer Vereinheitlichung der gesamten globalen Rechnungsstellungslandschaft, da die einzelnen Länder ihre eigenen Standards beibehalten. Beispielsweise schreibt das Vereinigte Königreich die Einhaltung des PEPPOL-Standards nicht vor, auch nicht bei grenzüberschreitenden Transaktionen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die unterschiedlichen Standards und Formate in den verschiedenen Ländern bieten die Möglichkeit, die Einhaltung der Vorschriften durch die Integration mit einer E-Invoicing-Lösung zu vereinfachen, die die erforderlichen strukturierten Daten direkt an die zwischengeschalteten Behörden übermittelt. Darüber hinaus können cloudbasierte große Sprachmodelle (LLMs) und Textextraktionsdienste Daten aus Rechnungen außerhalb dieser Vorschriften extrahieren und vereinfachen, um Analysen und Berichte zu erstellen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Das Bedürfnis nach Flexibilität","accordion_item_copy":[{"type":"paragraph","text":"Unternehmen sehen sich weiterhin einem hohen Maß an Ungewissheit ausgesetzt, da das Streben nach nachhaltigen Lösungen oft mit kurzfristigen Bedürfnissen und der Herausforderung, klare Geschäftsszenarien zu belegen, kollidiert. Daher müssen die Anbieter von Ausrüstungs- und Autofinanzierung ihre Flexibilität verbessern, um diese Ungewissheit zu bewältigen. Dazu gehört die Erprobung neuer Produkte und Prozesse, wie nutzungsbasierte Produkte, X-as-a-Service-Angebote und abonnementbasierte Lösungen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Zur Erreichung dieser Flexibilität muss Technologie kostengünstig eingesetzt werden, damit Unternehmen experimentieren, Prototypen erstellen und feststellen können, welche Lösungen ihren Zielen und der Marktnachfrage entsprechen. Einige Unternehmen, die X-as-a-Service-Modelle prüften, stellten beispielsweise fest, dass Leasingverträge mit flexibler Laufzeit und nutzungsabhängiger Abrechnung besser geeignet waren. Ein erfolgreiches Ergebnis wurde durch die Zusammenarbeit mit einem Telematikanbieter erzielt, der die einzelnen Anlagen mit der API von Alfa Systems verfolgte – ein Beweis dafür, wie schnelle Iteration und Agilität wirkungsvolle Resultate liefern können.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Schnelllebige Technologie","accordion_item_copy":[{"type":"paragraph","text":"Schumpeters Theorie der schöpferischen Zerstörung wird deutlich: Der rasante technologische Fortschritt zwingt sowohl Technologie- als auch Finanzunternehmen dazu, die Fähigkeit, die Widerstandsfähigkeit und die Reife zu entwickeln, um Schritt zu halten.","spans":[{"start":0,"end":49,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.cmu.edu/epp/irle/irle-blog-pages/schumpeters-theory-of-creative-destruction.html","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"Für Finanzunternehmen bedeutet die Erkundung von cloudbasierter KI und anderen Tools zur Förderung von Innovation und zur Entwicklung neuer Funktionen, dass sie Technologieanbieter mit einer nachweislichen Erfolgsbilanz in Bezug auf kontinuierliche Innovation und Weiterentwicklung benötigen – Partner, denen sie vertrauen können, dass sie auf Jahrzehnte hinaus Resultate liefern.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Kundenerwartungen","accordion_item_copy":[{"type":"paragraph","text":"Die Kundenerwartungen entwickeln sich weiter, angetrieben durch ein besseres Verständnis der technologischen Möglichkeiten und die Verbreitung von hochkomplexen, eng integrierten Ökosystemen im Alltag, von Diskussionen über ChatGPT bis hin zu den ausgefeilten integrierten Diensten, die in iOS und Android eingebettet sind.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Unabhängig davon, ob es sich bei Ihren Kunden um Verbraucher, KMUs, Konzerne oder sogar interne Stakeholder handelt, werden sie sich wahrscheinlich von Ihnen abwenden, wenn Sie die neuen Technologien nicht effektiv nutzen, um ihnen das durchgängige, integrierte Erlebnis zu bieten, das sie heute erwarten. Mit einem flexiblen Ökosystem können Sie diese Anforderungen erfüllen, indem Sie Best-of-Breed-Technologien einbinden und sich an die Marktentwicklung anpassen.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$e1cf7da1-40ad-4044-88c6-76aae2d2ffb2","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demo anfordern","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Anfrage stellen","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Kontakt","title":[{"type":"heading2","text":"Mehr entdecken","spans":[],"direction":"ltr"}]},"id":"action_banner$eb5993cc-90d3-460e-b929-e4d9deb9e780","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZkOcLxEAACQAoKgU","uid":"sustainability-de","url":"/en-ap/product/article/sustainability-de","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZkOcLxEAACQAoKgU%22%29+%5D%5D","tags":[],"first_publication_date":"2024-05-14T17:18:42+0000","last_publication_date":"2024-10-18T18:55:21+0000","slugs":["alfa-systems-6-basiert-auf-sechs-saulen-und-unterstutzt-finanzdienstleister-dabei-die-gro%C3%9Fen-herausforderungen-zu-meistern-und-die-lukrativen-chancen-zu-nutzen-die-sich-ihnen-bieten."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZkNfZRYAACQAccnE","type":"product","lang":"en-eu","uid":"sustainability-de"},{"id":"ZkOc-REAACIAoKk_","type":"product","lang":"en-us","uid":"sustainability-de"}],"data":{"product_type":"6 - DE","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshbVsGrYSwP_M_Transition_3rd_Release_2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshbVsGrYSwP_M","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Sustainability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/dec7210f-757f-47d7-b26c-7cc53d4bf7ff_03_Sustainability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKqxUAACUAhGK-","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Säule 3: Nachhaltigkeit","subheading":"Bedienung neuer Geschäftsmodelle, angetrieben durch Netto-Null und ESG-Vorschriften.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Alfa Systems 6 basiert auf sechs Säulen und unterstützt Finanzdienstleister dabei, die großen Herausforderungen zu meistern und die lukrativen Chancen zu nutzen, die sich ihnen bieten.","spans":[],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Warum Nachhaltigkeit?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In der Asset-Finance-Branche sind spannende Veränderungen zu beobachten, die durch Umweltbelange und Vorschriften vorangetrieben werden. 2023 kündigte Alfa eine neue Scope-3-Berichtsfunktion an, die es seinen Kunden ermöglicht, die Scope-3-Treibhausgasemissionen (THG) ihrer Portfolios zu verfolgen und auszuweisen. Jetzt, im Jahr 2024, verschafft Ihnen Alfa Systems 6 die nötige Flexibilität, um diesen Weg erfolgreich zu beschreiten.","spans":[{"start":142,"end":193,"type":"hyperlink","data":{"id":"ZQRT4xIAACMAo3jC","type":"article","tags":[],"lang":"en-ap","slug":"alfa-announces-free-scope-3-emissions-reporting","first_publication_date":"2023-09-15T12:53:57+0000","last_publication_date":"2023-09-15T13:07:19+0000","uid":"alfa-announces-free-scope-3-emissions-reporting","url":"/en-ap/news-and-insights/alfa-announces-free-scope-3-emissions-reporting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfHVgEmNsf2sHjky_03_Sustainability_shadow.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"icon for sustainability, showing a hand holding a leaf","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZfHVgEmNsf2sHjky","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"Da Unternehmen ihre Emissionen priorisieren und andere Umweltauflagen erfüllen müssen, sind sie gezwungen, nicht nur ihre eigenen Geschäftsmodelle zu ändern, sondern auch die ihrer Lieferketten zu beeinflussen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Obwohl die Fahrtrichtung feststeht, ist die Route noch lange nicht bekannt. Flexibilität ist daher sowohl für Finanzunternehmen als auch für ihre Kunden von entscheidender Bedeutung. Sie müssen in der Lage sein:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Neue Produkte rasch zu entwickeln und zu finanzieren","spans":[],"direction":"ltr"},{"type":"list-item","text":"Neue integrierte Technologien zu nutzen","spans":[],"direction":"ltr"},{"type":"list-item","text":"Neue Ideen zu erforschen, sie zu wiederholen und bei Bedarf zurückzuverfolgen","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 ist eine sich ständig weiterentwickelnde Technologie, die sich präzise und effizient auf Ihre individuellen Bedürfnisse abstimmen lässt und Ihnen dabei hilft, diese Flexibilität zu erreichen.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Einführung von Nachhaltigkeit in Alfa Systems 6","spans":[]},{"type":"paragraph","text":"Alfa ist sehr stolz auf seine ESG-Bilanz sowie auf die Vielfalt seiner Mitarbeiter und seines Kundenstamms.","spans":[{"start":0,"end":107,"type":"strong"}]},{"type":"paragraph","text":"Unsere Teams arbeiten eng mit unseren Kunden zusammen, um ihre wachsenden Anforderungen an nachhaltige Geschäftsmodelle zu verstehen. Dieser kooperative Ansatz hat zur Entwicklung leistungsfähiger Lösungen geführt, die ihre Anforderungen nachdrücklich erfüllen.","spans":[]},{"type":"paragraph","text":"Nachhaltigkeit in Alfa Systems 6 ist darauf ausgerichtet, Ihre Nachhaltigkeitsziele anzugehen:","spans":[]},{"type":"list-item","text":"Neue Funktionen für die Verwaltung des gesamten Lebenszyklus von Assets, vom Beginn bis zum Ende der Nutzungsdauer","spans":[]},{"type":"list-item","text":"Sofortige Verfügbarkeit zur Unterstützung des Abonnementgeschäfts","spans":[]},{"type":"list-item","text":"Vollständige Unterstützung Ihres XaaS-Angebots","spans":[]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"1. Erweitertes Asset-Lifecycle-Management","spans":[]},{"type":"paragraph","text":"Alfa freut sich, neue Funktionen für die Verwaltung des gesamten Lebenszyklus von Assets – vom Beginn bis zum Ende der Nutzungsdauer – anzukündigen.","spans":[{"start":0,"end":148,"type":"strong"}]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfiJ2w4qyfNhFxMu_AS6_Sustainability_CBM.png?auto=compress,format\u0026rect=3,0,1172,1172\u0026w=500\u0026h=500","alt":"A representation of the Circular Business Model, shown in five sections: Product-as-a-Service (Dynamic services without ownership), The Sharing Economy (Making use of resting assets), Circular Supply Chains (Using sustainable materials), Made for Longevity (Extending lifespans), Retrieve, Recycle, Refurbish (Reducing waste)\n","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfiJ2w4qyfNhFxMu","edit":{"x":-1,"y":0,"zoom":0.42662116040955633,"background":"#fff"}},{"type":"paragraph","text":"Weltweit stellen sich Anbieter von Ausrüstung die gleiche Frage: Wie können wir die Lebensdauer unserer bestehenden Produkte verlängern und neue Märkte für ihre weitere Verwendung finden?","spans":[]},{"type":"paragraph","text":"Um das aufzugreifen, wenden sich ihre konzerneigenen Finanzierungsgesellschaften vom traditionellen „Lease-and-Sell“-Modell ab und richten stattdessen Teams und Prozesse ein, die sich mit der Asset-Verwaltung über den gesamten Lebenszyklus hinweg befassen, um die Bestandsnutzung und den Gewinn zu maximieren.","spans":[]},{"type":"paragraph","text":"Assets, die aus einem anfänglichen Leasingverhältnis zurückkehren, können für eine spätere Nutzung im Bestand gehalten, aufbereitet oder in Sub-Assets zum Recycling zerlegt werden. Unabhängig von der Reise des Geräts müssen Finanzunternehmen alle Assets sorgfältig nachverfolgen und verbuchen – sowohl im als auch außerhalb des Leasingverhältnisses. Das bedeutet eine Verlagerung von der ausschließlichen Konzentration auf den Vertrag hin zur Priorisierung des Assets selbst.","spans":[]},{"type":"paragraph","text":"Alfa freut sich, neue Funktionen in Alfa Systems 6 für die Verwaltung des gesamten Lebenszyklus von Assets – vom Beginn bis zum Ende der Nutzungsdauer – anzukündigen, um diesen Anforderungen gerecht zu werden. Dazu gehören:","spans":[]},{"type":"list-item","text":"Bestandsverwaltung für Wiederverwendung und Rückstellung","spans":[]},{"type":"list-item","text":"Kurzfristige zweite und dritte Lebensdauer für Ausrüstung","spans":[]},{"type":"list-item","text":"Optimierte Überholungsprozesse zur Verlängerung der Produktlebensdauer","spans":[]}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Abonnementfähige Plattform","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Durch strategische Produktinvestitionen ist Alfa Systems 6 sofort verfügbar, um das Abonnementgeschäft zu unterstützen.","spans":[{"start":0,"end":119,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfRubHYkiKrtlJtF_SubscriptionServicePack.png?auto=compress,format\u0026rect=39,0,1139,1139\u0026w=500\u0026h=500","alt":"diagram of the Subscripton Service Pack in Alfa Systems 6","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfRubHYkiKrtlJtF","edit":{"x":-17,"y":0,"zoom":0.43898156277436345,"background":"#fff"}},{"type":"paragraph","text":"Um ihren Kunden den Zugang zu Spitzentechnologien zu wettbewerbsfähigen Preisen zu ermöglichen, schließen sich Asset-Finance-Unternehmen mit Captives sowie anderen Anbietern von Ausrüstungs- und Autofinanzierung zusammen, um neben der traditionellen Asset-Finanzierung auch Abonnementdienste anzubieten.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die Erfahrung von Alfa mit dieser Kombination hat gezeigt, dass verschiedene Dienstleistungen und Modelle angeboten werden, die den Bedarf an wirklich flexiblen Lösungen unterstreichen. Das geht über Grundfunktionen wie Sitzheizung hinaus – Kunden können zwischen On-Lease- und Off-Lease-Abonnements mit nutzungsabhängigen oder periodischen Abrechnungsstrukturen wählen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die Technologie erstreckt sich auch auf gezielte Softwareabonnements, die die Nutzung von Ausrüstung optimieren oder bei Bedarf Add-ons für zusätzliche Leistung bereitstellen.","spans":[],"direction":"ltr"}]},"id":"rich_text$321825f8-da74-40c3-877b-612a64055977","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"In allen Branchen und Märkten wird Asset Finance zur Unterstützung der zunehmenden Nutzung von abonnementbasierten Vertriebsmodellen eingesetzt. Flexibilität wird immer wichtiger, da die Bereitschaft zu Leasing und flexiblem Eigentum wächst, entweder in Form von Zahlungen für Transport auf Abruf, gebündelten Dienstleistungen in Unternehmensflotten oder für Funktionen, die durch neue Fahrzeugtechnologien ermöglicht werden.","spans":[],"direction":"ltr"}],"author":"KPMG"},"id":"article_quote$3af6a666-d96d-483b-bdcc-7291049e4284","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Dank der strategischen Produktinvestitionen der letzten Jahre kann Alfa Anfragen zur Unterstützung dieser neuen Dienstleistungen zuverlässig nachkommen. Alfa Systems 6 kann Ihr Abonnementgeschäft unterstützen: Die Lösung eignet sich für einen nutzungsbasierten Service, der über das Ende der Leasingzeit hinausgeht, oder für ein Abonnement, das ein ganzes Portfolio abdeckt und periodisch abgerechnet wird.","spans":[],"direction":"ltr"}]},"id":"rich_text$169819ec-8b2e-4d2a-b5d0-680681a182ab","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. XaaS: Everything-as-a-Service","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 kann Ihr XaaS-Angebot vollständig unterstützen.","spans":[{"start":0,"end":62,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Mit steigenden Zinsen und sinkender Risikobereitschaft, insbesondere bei der Investition in neue Technologien, bevorzugen Unternehmen zunehmend OpEx-Projekte gegenüber CapEx-Investitionen und setzen bei der Beschaffung von Ausrüstung auf XaaS-Modelle.","spans":[],"direction":"ltr"}]},"id":"rich_text$3d6f9e7f-71be-40bb-8615-db5e7a93c505","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Mobilitäts-, Bau-, Industrie- und Maschinenunternehmen suchen nach Möglichkeiten, ihre Kapitalrendite zu erhöhen, und wenden sich vom direkten Kauf von Geräten ab, da das Eigentum aus wirtschaftlicher Sicht weniger sinnvoll ist. Da Werte nicht mehr an Eigentum gebunden sind, werden OpEx-Modelle eingeführt, um Mittel freizusetzen, die früher für CapEx-Käufe vorgesehen waren. Die Tendenz geht zu Leasing, Maschinenabonnements, Pay-per-Outcome- und Equipment-as-a-Service-Modellen, wie z. B. Batterien-as-a-Service.","spans":[],"direction":"ltr"}],"author":"KPMG"},"id":"article_quote$3f61d883-f730-4f9b-aeab-9c5bd2541164","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"XaaS kann kurz- oder langfristige Assets, Zusatzdienste und nutzungsabhängige Abrechnung umfassen. Für Finanzunternehmen und Captives bedeutet das, dass eine effektive Nachverfolgung der Assets erforderlich ist – Überwachung von Standort, Verfügbarkeit und Nutzung. Gleichzeitig muss die Finanzierung und Abrechnung wichtiger Zusatzleistungen in eine einzige, konsolidierte Rechnungslinie aufgenommen werden.","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 bietet umfassende Unterstützung für XaaS:","spans":[]},{"type":"list-item","text":"Multi-Asset-Pläne und -Verträge","spans":[]},{"type":"list-item","text":"Nutzungszähler und maßgeschneiderte nutzungsabhängige Abrechnung","spans":[]},{"type":"list-item","text":"Nahtlose Integration mit konfigurierbarer, konsolidierter Rechnungsstellung","spans":[]}]},"id":"rich_text$94565007-b30f-448b-8d2b-2230085148c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies everything-as-a-service requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbUA4qyfNhFyVU_AS6_Sustainability_XaaS.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbUA4qyfNhFyVU","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$ccc64358-13a9-4626-ba19-4b88772eeb4f","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"Nachhaltigkeit in Alfa Systems 6: Erfüllung der künftigen Anforderungen zukunftsorientierter Finanzdienstleister.","spans":[],"direction":"ltr"}]},"id":"text_banner$1228cd8f-c63f-455e-87ba-b53ec4db7308","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Anwendungsfall: Grüne Energiefinanzierung","spans":[]},{"type":"paragraph","text":"Der Kampf gegen THG-Emissionen führt zu einem grundlegenden Wandel bei der Nachfrage und dem Angebot an umweltfreundlicheren Energien. Traditionell verließen sich Fertigungsunternehmen ausschließlich auf ihre Energielieferanten, in der Hoffnung, dass diese Energie aus umweltfreundlicheren Quellen liefern würden.","spans":[]},{"type":"paragraph","text":"Mit der zunehmenden Konzentration auf die Verringerung ihres eigenen CO2-Fußabdrucks (Scope-1-Emissionen) übernehmen Hersteller nun jedoch die Kontrolle über ihre Energiequellen. Das eröffnet spannende Möglichkeiten, unter anderem:","spans":[]},{"type":"list-item","text":"Erneuerbare Energieerzeugung vor Ort: Unternehmen können Solarzellen und Windturbinen sowie Motoren mit Kraft-Wärme-Kopplung (KWK) installieren. Diese Systeme können von Finanzunternehmen geleast werden, zusammen mit zusätzlichen Dienstleistungen wie Versicherung und Wartung, und decken so einen bedeutenden Teil ihres Energiebedarfs.","spans":[{"start":0,"end":36,"type":"strong"}]},{"type":"list-item","text":"Flexible Beschaffung: Die Energieerzeugung vor Ort deckt möglicherweise nicht den gesamten Energiebedarf, aber Hersteller können immer noch zusätzliche Energie von ihren Energieversorgern beziehen. Durch die nutzungsabhängige Abrechnung wird sichergestellt, dass sie nur für das bezahlen, was sie nutzen (mit einer monatlichen Mindestgebühr). Darüber hinaus können sie die Nutzung mehrerer Assets bündeln – sie erhalten eine konsolidierte, praktische Rechnung.","spans":[{"start":0,"end":20,"type":"strong"}]}]},"id":"rich_text$cc11cb7c-3a48-4a32-be09-ec01fa0c8ce8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies green energy financing requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbTw4qyfNhFyVT_AS6_Sustainability_GreenEnergyFinancing.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbTw4qyfNhFyVT","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$6b52d7a3-5e8b-4395-b709-4fd095e192e6","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 unterstützt diesen neuen Ansatz und ermöglicht es Herstellern, nachhaltiger und effizienter zu arbeiten. So trägt die Lösung zu einer grüneren Zukunft für alle bei.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mehr dazu in unserem gemeinsam mit Capitas Finance verfassten Whitepaper „Towards energy resilience: closing the efficiency gap“ (zu Deutsch: „Auf dem Weg zur Energieresilienz: die Effizienzlücke schließen“).","spans":[{"start":74,"end":127,"type":"hyperlink","data":{"id":"Y1q53xEAAF5wBeE7","type":"article","tags":[],"lang":"en-ap","slug":"co-written-by-capitas-finance-and-alfatowards-energy-resilience-closing-the-efficiency-gapexplains-the-powerful-drivers-for-businesses-to-cut-their-greenhouse-gas-emissions-and-underlying-energy-use--and-the-equally-powerful-barriers-preventing-them-from-implementing-decarbonisation-projects.","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2022-10-28T11:16:45+0000","uid":"towards-energy-resilience-closing-the-efficiency-gap","url":"/en-ap/news-and-insights/towards-energy-resilience-closing-the-efficiency-gap","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$89cb6eec-ffb5-4629-9aee-19b8badbb1f5","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Anwendungsfall: Elektroautos","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 bietet robuste Unterstützung für einfache und komplexe Anwendungsfälle bei der Finanzierung von Elektrofahrzeugen.","spans":[{"start":0,"end":129,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Es eignet sich für mehrere Auto-EV-Portfolios und unterstützt vielseitige Multi-Asset-Pläne. Außerdem schafft Alfa Systems 6 den Rahmen zur Erfüllung komplexerer Nutzeranforderungen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Man denke an eine Landwirtin, die mehrere elektrische Traktoren samt Batterien und Ladegeräten least. Darüber hinaus abonniert sie:","spans":[],"direction":"ltr"},{"type":"list-item","text":"GPS-Dienste, um die effiziente Nutzung der Flotte zu überwachen","spans":[],"direction":"ltr"},{"type":"list-item","text":"Eine Ladestation für erschwingliche und schnelle öffentliche Aufladung","spans":[],"direction":"ltr"},{"type":"list-item","text":"(Für einen Teil ihrer Flotte) einen nutzungsabhängigen „Boost“-Service, der bei Bedarf zusätzliche Energie liefert","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Während der Leerlaufzeiten schließt unsere Landwirtin ihre Traktoren wieder an das Stromnetz an, um in Spitzenzeiten Energie einzuspeisen und in Schwachlastzeiten wieder aufzuladen. Dadurch bekommt sie nutzungsabhängige Rabatte auf ihre Energierechnungen, die sie über eine Partnerschaft mit dem Finanzunternehmen erhält.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Das Ergebnis: eine einfache, konsolidierte monatliche Rechnung, mit der die Landwirtin zufrieden ist und sich auf das konzentrieren kann, was am wichtigsten ist – einen nachhaltigen und effizienten Betrieb zu führen.","spans":[],"direction":"ltr"}]},"id":"rich_text$c82491e6-9e6e-4b5f-accf-6dd87bf8b1e8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies EV financing 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GPS- und Ladeabonnements verwendet.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Dank der Funktionen für Rechnungszyklen (Invoice Cycling) und konsolidierte Rechnungen (Consolidated Billing) erhält der Endkunde eine einzige monatliche Rechnung.","spans":[],"direction":"ltr"}]},"id":"rich_text$33eb18d6-8ac8-438c-a0a9-ff71a5d4680a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"Nachhaltigkeit in Alfa Systems 6: Komplexe Finanzierungslösungen einfach gestalten, für eine grünere Zukunft.","spans":[],"direction":"ltr"}]},"id":"text_banner$8998b078-8309-4efe-8ff8-0d0d3de9f467","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Die Nachhaltigkeitslösung von Alfa Systems 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Im Zeitalter von Data Lakes und APIs ist die Auswahl an verschiedenen Systemen für Anbieter so groß wie nie zuvor.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/42949070-2aeb-4e7b-9c69-1bc0e24a6e57_02_Total+Capability.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"Total Capability icon tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZalaSxAAACEAvL0J","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"Eine ineffiziente Umsetzung – etwa die Nutzung unterschiedlicher Softwareplattformen für verschiedene Geschäftsbereiche oder -prozesse – kann jedoch immer noch erhebliche Kosten und Mühen verursachen. Das kann sich daran zeigen, dass beispielsweise Preise zwischen angebotenen und aktiven Verträgen nicht abgestimmt sind, dass das Anbieter-Onboarding und die Datenzuordnung sehr viel Zeit in Anspruch nehmen und dass durch die Interaktion zwischen API und System mehr Schwachstellen, Prüfanforderungen, Tests und andere Komplexitäten auftreten.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Für alle, die sich mit der Auswahl von Systemen befassen, ist es eine Herausforderung, ein Gleichgewicht zwischen operativer Effizienz und Funktionsumfang zu finden. Die Konsolidierung Ihrer Prozesse und Geschäftsbereiche auf einer einzigen Plattform wie Alfa Systems 6 bietet ein komplettes Paket von Kosteneinsparungen, Effizienzgewinnen und großer Funktionstiefe.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Wir stellen vor: Total Originations in Alfa Systems 6","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Als Teil von Alfa Systems 6 bringt Alfa 2024 ein Originations-Produkt auf den Markt, das umfassende Funktionalitäten bietet. Es deckt die direkte und indirekte Kreditvergabe ab – von der Angebotserstellung bis zur Finanzierung – und bildet einen integrierten Teil der Alfa Systems-Plattform, wodurch Kunden die Vorteile der umfassenden Funktionalität von Alfa Systems nutzen können.","spans":[{"start":0,"end":382,"type":"strong"}]},{"type":"paragraph","text":"Alfa hat auf die sich ändernden Marktanforderungen und das Kundenfeedback reagiert: Wir haben die Funktionalität unseres Originations-Produkts erweitert, sodass es als Premium-Lösung einen zentralen Platz in Ihrem Betrieb einnehmen kann und Sie ein einziges System betreiben können, das unsere leistungsstarken Kreditvergabe-, Servicing- und Inkassofunktionen (Originations, Servicing, Collections) umfasst.","spans":[]},{"type":"paragraph","text":"Total Originations in Aktion:","spans":[{"start":0,"end":18,"type":"strong"}]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"903237123","video_caption":[{"type":"paragraph","text":"Total Originations in Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Umfassende Funktionalität über den gesamten Originations-Prozess und darüber hinaus.","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Die branchenführenden Originations-Funktionen von Alfa sind bereits bei zahlreichen namhaften Marken mit internationaler Präsenz etabliert. Sie nutzen die robuste Suite von Tools, die Kampagnenmanagement, komplexe Angebotserstellung, Underwriting und Kreditkonditionen, Kredit-Snapshots, Bewilligung von Kreditlinien und eine leistungsstarke Kreditentscheidungs-Engine umfasst, die alle über flexible APIs zugänglich sind.","spans":[]},{"type":"paragraph","text":"Die Marktlandschaft befindet sich in einem dynamischen Wandel. Neben der zunehmenden Tendenz zur direkten Kreditvergabe (siehe unten) ist auch das Aufkommen neuer Arten von Assets, die nicht alle auf Vertragshändler angewiesen sind, eine spannende Entwicklung. Kundendaten sind durch die zunehmende Nutzung moderner Datenquellen wie Open Banking leichter zugänglich, was eine sichere Ausweitung des Neugeschäftsvolumens ermöglicht.","spans":[]},{"type":"paragraph","text":"Die Einführung innovativer Technologien fördert die Automatisierung und läutet eine neue Ära der Effizienz ein. Nutzer profitieren von einfachen, unsichtbaren Integrationen mit kundenspezifischen Dienstleistern – wie dem intelligenten Lesen von Dokumenten. Die Verwendung von codefreien Integrationsebenen sowie von Workflows und Regeln, die Geschäftslogik einbeziehen, kann Prozesse weiter optimieren. Dokumenten-Metadaten oder KYC-Daten können mit Daten aus Kredit-Snapshots verglichen werden. Dabei lösen Geschäftsregeln automatisierte Workflows oder eine Einspeisung in Kreditentscheidungs-Engines und Scorecards aus, was zu schnellen, automatisierten Antworten für einen großen Teil der Entscheidungen führt. Dieser höhere Automatisierungsgrad setzt wertvolle Ressourcen frei – Nutzer haben mehr Zeit für komplexere, margenstärkere Transaktionen.","spans":[]}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Finanzunternehmen, Händler, Underwriter, New Business Team","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZkMkZkFLKBtrW2FS_TotalCapabilityIlliustration.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5760%2C3240\u0026w=1600\u0026h=900","id":"ZkMkZkFLKBtrW2FS","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Erschließung neuer Kanäle für die Direktkreditvergabe","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mit der Zunahme von Elektroautos und dem Wunsch nach einer engen Kundenbeziehung gewinnt in den USA der Trend zu mehr Direktverkäufen und damit zur Direktkreditvergabe an Dynamik. Tesla war Vorreiter und ebnete den Weg für den Direktvertrieb an Verbraucher – ein Modell, das von Herstellern von Elektrofahrzeugen wie Polestar und Lucid übernommen wurde, die ohne Vertragshändler arbeiten. Diese Bewegung hat einige etablierte Marken dazu veranlasst, neue, auf Elektroautos spezialisierte Gesellschaften zu gründen. Obwohl sich das Ausmaß des zulässigen Direktverkaufs je nach Bundesstaat unterscheidet, bleibt der reine Online-Verkauf eine Option – wenn auch mit gewissen Einschränkungen.","spans":[],"direction":"ltr"}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Das Direktvertriebsmodell ändert die Spielregeln sowohl für Erstausrüster (OEMs) als auch für Händler. Durch die Umstellung auf den Direktvertrieb können OEMs höhere Preise durchsetzen, da sich Autohäuser an die unverbindliche Preisempfehlung halten müssen und sich nicht mehr gegenseitig unterbieten können.","spans":[],"direction":"ltr"}],"author":"BCG"},"id":"article_quote$fde4fd93-9a0f-4570-9668-f7c0a3463d62","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"In Europa und im Vereinigten Königreich, wo die Rechtsvorschriften kein Hindernis für den Direktverkauf darstellen, ist eine deutliche Verlagerung hin zu diesem Modell festzustellen.","spans":[],"direction":"ltr"}]},"id":"rich_text$de615bef-75b5-446a-bc55-39ed36729137","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Zwei Drittel der Verbraucher und mehr als 80 % der jüngeren Autokäufer sind heute gegenüber dem Konzept des digitalen Handels aufgeschlossen. Ob es darum geht, die Verfügbarkeit eines Fahrzeugs zu prüfen, einen Kostenvoranschlag einzuholen, eine Probefahrt zu buchen, eine Anzahlung zu leisten oder die Finanzierung zu organisieren – 60 % der Autokäufer würden diese wichtigen Aufgaben gerne online erledigen.","spans":[],"direction":"ltr"}],"author":"Auto Trader UK"},"id":"article_quote$9568773c-65fd-49d0-837b-6e573931ec6a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Umfassende Kompetenz über den gesamten Originations-Prozess und darüber hinaus","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZkR6Hiol0Zci9Jdu_TotalCapabilityGermanV3.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5333%2C3000\u0026w=1600\u0026h=900","id":"ZkR6Hiol0Zci9Jdu","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$71c4d320-d7cf-445c-b39f-bde0c0c1e4af","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Total Originations in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Da wir bei der direkten wie bei der indirekten Kreditvergabe erstklassige Leistungen erbringen wollen, setzen wir bei Alfa weiterhin den Standard in der Branche.","spans":[{"start":0,"end":161,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Total Originations in Alfa Systems 6 bietet eine große Auswahl und Vielseitigkeit: Sie können Ihre eigenen Funktionen für die direkte Kreditvergabe einrichten, indem Sie die komplette API-Suite in Kombination mit Workflow- und KI-gestütztem, vollautomatischem Underwriting nutzen. Alternativ können Sie Angebotsanfragen von Händlern über vorgefertigte Schnittstellen abwickeln und die verschiedenen, einsatzbereiten User Journeys nutzen. Optionale Add-ons ermöglichen komplexere Lösungen durch eine größere Bandbreite an Funktionen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Größere OEMs profitieren unterdessen von ausgezeichneten Funktionen für dynamische, händlerspezifische Kampagnen, die nahtlos und ohne Ausfallzeiten über APIs aktualisiert werden. Da sich die Preisgestaltung zunehmend von den Händlern auf die OEMs verlagert, wird die Fähigkeit volumenstarker Marken, die Preise zur Erreichung ihrer Ziele schnell anzupassen, immer wichtiger.","spans":[],"direction":"ltr"}]},"id":"rich_text$a6942ffb-7343-4c51-984e-d6d7ba856c3b","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"In einer zunehmend digitalisierten Welt haben sich die Kaufgewohnheiten der Kunden geändert. Ein Agenturmodell ermöglicht eine konsistente, transparente Kaufabwicklung, sei es online, in einem physischen Ausstellungsraum oder in einer Kombination aus beidem.","spans":[],"direction":"ltr"}],"author":"Gary Savage, Mercedes-Benz UK CEO"},"id":"article_quote$7d82a80e-0fea-4b1a-add5-297e9c233b82","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Für Nischenanbieter im Bereich der Asset-Finanzierung bietet die Entscheidungs-Engine von Alfa Systems automatisierte Kreditentscheidungen und Scorecards, ohne dass dafür Integrationen erforderlich sind.","spans":[]}]},"id":"rich_text$f527b2d2-0f68-4d7d-b8a4-96bd070b0b44","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Umfassende Funktionalität: In Alfa Systems 6 weiter verbessert","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Erfüllung der komplexen End-to-End-Lifecycle-Anforderungen von erfolgreichen Finanzdienstleistern.","spans":[],"direction":"ltr"}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Alfa Start: Vorkonfiguration weiter verbessert","accordion_item_copy":[{"type":"paragraph","text":"Alfa Start nutzt die Erfahrung von Alfa im Bereich der Kundenprozesse und bietet Unternehmen der Automobil- und Ausrüstungsfinanzierung eine kosteneffiziente, schlanke Lösung. Alfa Start ist ein vorkonfiguriertes Produkt, das den gesamten Lebenszyklus der Asset-Finanzierung abdeckt, von der Kreditvergabe bis hin zur Inkassobearbeitung und Wiedervermarktung, einschließlich aufsichtsrechtlicher Berichte und Dokumentation. Mit Alfa Start beträgt die Zeit von der Implementierung bis zur Live-Produktion nur 22 Wochen. Die einfache Integration mit bestehenden Systemen oder speziellen Softwareanbietern wird durch ein umfassendes Angebot an APIs erleichtert, die eine nahtlose Erfahrung ermöglichen.","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}}]}]},{"accordion_item_label":"Weitreichende Produktunterstützung, einschließlich Leasing und Kredite","accordion_item_copy":[{"type":"paragraph","text":"Dank der weltweiten Erfahrung von Alfa in verschiedenen Branchen unterstützen wir zahlreiche Finanzprodukte und -dienstleistungen. Im Gegensatz zu Nischenanbietern unterstützt die Plattform von Alfa Leasing- und Kreditprodukte, auch im Großhandel, und bedient sowohl Privat- als auch Geschäftskunden. Kunden können auf das kompetente Team von Ingenieuren und Implementierungsberatern zurückgreifen und die Flexibilität von Alfa nutzen, um ein präzises Modell ihres gewünschten Finanzprodukts zu erstellen. Jüngste Investitionen in nutzungsabhängige Preise und revolvierende Kreditfazilitäten erweitern das Produktangebot, um neuen Anforderungen mit zukunftsweisenden Lösungen zu begegnen.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$ef81db09-5d40-49f5-a908-0a86688de4aa","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Umfassende Funktionalität: Chancen und Herausforderungen angehen","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Mit Alfa Systems 6 können Sie Ihr Unternehmen umgestalten, neue Einnahmequellen erschließen und die Produktivität steigern.","spans":[],"direction":"ltr"}]},"id":"rich_text$5e795c2e-1096-490f-ab2a-542a29dfddfe","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Chance: Steuerung der Customer Journey","accordion_item_copy":[{"type":"paragraph","text":"Wenn ein Finanzunternehmen die gesamte Customer Journey im Griff hat, hat es auch die Verantwortung für die Kundenbeziehung und kann das bestmögliche Kundenerlebnis gewährleisten. Wenn ein Kunde einen Autokredit aufnehmen möchte, kann das Finanzunternehmen ein direktes, maßgeschneidertes Angebot erstellen, ohne einen Händler bezahlen zu müssen. Darüber hinaus verfügt es über die Daten dieses Kunden und kann Analysen für künftige Umsatzchancen durchführen, Bedürfnisse verstehen und künftiges Verhalten vorhersagen. Es kann auch Integrationen mit Nischensoftware-Anbietern prüfen und diese während der gesamten Customer Journey anwenden. Durch die Integration mit nur einem System können diese Initiativen schneller und flexibler durchgeführt werden, was die Effizienz und den Mehrwert steigert. Alfa Systems 6 kann als dieses eine System dienen, das mehrere Markenlösungen anbietet, während die Verantwortung für die Customer Journey erhalten bleibt.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Größenvorteile","accordion_item_copy":[{"type":"paragraph","text":"Durch die Wahl einer Plattform, die eine vollständige Palette von Produkttypen unterstützt, mit anpassbaren Prozessen auf der Grundlage der Konfiguration, kann ein Finanzdienstleister mehr Flexibilität für verschiedene Produkte und Prozesse erreichen, wenn es die Nachfrage erfordert – ohne in alternative Systeme oder technologische Erweiterungen investieren zu müssen. Geschäftliche Änderungen, Schulungen und Tests können über eine einzige Plattform durchgeführt werden, wodurch die Effizienz gesteigert wird.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Markteinführungszeit","accordion_item_copy":[{"type":"paragraph","text":"Veränderte Geschäftsszenarien und die Notwendigkeit, Verkaufschancen in einem Umfeld zu ergreifen, in dem eine rasche Abwicklung von zentraler Bedeutung ist, lassen sich mit einer Plattform, die verschiedene Produkt- und Asset-Typen sowie End-to-End-Prozesse unterstützt, besser realisieren. Alfa Systems 6 unterstützt alles von einfachen Autokrediten über Großhandelsprodukte bis hin zu komplizierten Leasingverträgen und Kreditfazilitäten – mit vollständigen Prozessen für nutzungsabhängige Produkte und Service-Abonnements.","spans":[]}]},{"accordion_item_label":"Chance: Flexible Preisgestaltung","accordion_item_copy":[{"type":"paragraph","text":"Der Trend zur direkten Kreditvergabe und zur Preisgestaltung durch OEMs erfordert eine sofortige Aktualisierung der Preise für Händler aufgrund der Fortschritte bei Verkaufszielen für verschiedene Modelle und Bereiche. Mit den API-gesteuerten Kampagnenmanagement-Tools von Alfa Systems 6 können diese Händlerpreise dynamisch und bei Bedarf aktualisiert werden – ohne Systemupdates. Das kann mit den vielfältigen Branding-Möglichkeiten von Alfa Systems kombiniert werden, um Finanzunternehmen, die Finance-as-a-Service für andere Marken anbieten, volle Flexibilität zu bieten.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Automatisierte Prozesse","accordion_item_copy":[{"type":"paragraph","text":"Hochentwickelte Automatisierungstools, auf die über die Alfa Systems-Plattform zugegriffen werden kann – darunter REST-APIs, Webhooks, komplexe Workflows und Geschäftsregeln sowie eine Kreditentscheidungs-Engine – ermöglichen Finanzunternehmen eine höhere Genauigkeit bei automatisierten Prozessen und eine schnelle Entscheidungsfindung im indirekten oder direkten Vertrieb.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Die wachsende Kostenbasis","accordion_item_copy":[{"type":"paragraph","text":"Die Senkung der Implementierungskosten und die Beschleunigung des Implementierungsprozesses sind von wesentlicher Bedeutung. Im aktuellen unvorhersehbaren Umfeld, das durch steigende Betriebskosten gekennzeichnet ist, kann die Nutzung einer einzigen Plattform für alle Funktionen sowohl Zeit als auch Ressourcen bei der Erreichung der Unternehmensziele sparen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Komplexe Branchen","accordion_item_copy":[{"type":"paragraph","text":"Alfa arbeitet mit zahlreichen Finanzinstituten aus verschiedenen Branchen zusammen, wobei das Kundenspektrum von relativ kleinen Finanzdienstleistern bis hin zu einigen der größten und komplexesten globalen Banken und Finanzunternehmen reicht. Als Berater und aktiver Marktteilnehmer verfügt Alfa über umfassende Kenntnisse der Branchenprozesse und Best Practices – Einblicke, die in die vorkonfigurierten Alfa Start-Produkte eingeflossen sind. 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Et qui leur donnent notamment la possibilité de créer des champs personnalisés, d’utiliser des workflows manuels et automatiques comportant une vaste bibliothèque de règles de gestion, et de tirer parti d’intégrations puissantes.","spans":[]},{"type":"paragraph","text":"Nos clients comptent beaucoup sur ces outils, mais nous savons que la flexibilité s’accompagne parfois d’un surcroît de complexité. Leurs retours ont aussi souligné la nécessité de réduire le nombre de clics et de rationaliser les traitements de gros volumes de données pour que leurs utilisateurs puissent profiter de l’un comme de l’autre, nous avons tenu compte de leurs précieux avis.","spans":[]}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Présentation de Compose : des écrans au design ultra personnalisé","spans":[{"start":16,"end":24,"type":"strong"}]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"En partant de cadres technologiques de pointe, les collaborateurs d’Alfa ont relevé le défi de l’efficience avec une innovation décisive : Compose.","spans":[{"start":139,"end":146,"type":"strong"}]},{"type":"paragraph","text":"Compose permet aux utilisateurs d’Alfa Systems de créer un nombre illimité d’écrans ultra personnalisés sur lesquels ne figurent que les informations essentielles pour la tâche à accomplir. La fluidité s’en trouve considérablement améliorée et le temps, le nombre de clics et la charge cognitive en sont réduits à tous les stades du workflow, tout au long du cycle de vie du contrat et au-delà.","spans":[{"start":0,"end":7,"type":"strong"}]},{"type":"paragraph","text":"Voir Compose en action :","spans":[{"start":5,"end":12,"type":"strong"}]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"891102254","video_caption":[{"type":"paragraph","text":"Compose : des écrans au design ultrapersonnalisé","spans":[]}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Le catalyseur auto-conçu, basé sur le drag \u0026 drop (glisser-déposer) et sans code, pour gagner en efficience.","spans":[{"start":38,"end":49,"type":"em"}]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Compose offre aux clients une flexibilité et un contrôle complets sur leur interface utilisateur.","spans":[{"start":0,"end":7,"type":"strong"}]},{"type":"paragraph","text":"Imaginez un scénario dans lequel un utilisateur du service client, responsable des tâches de gestion des contrats, se voit présenter un écran personnalisé où seuls figurent les données du client, le solde du compte et d’autres informations essentielles au traitement de ce type de tâches. Dans le même workflow, l’approbateur n’intervient que sur les informations qu’il juge les plus importantes, présentées avec une mise en page dédiée et complétée par actions pertinentes.","spans":[]},{"type":"paragraph","text":"Plus tard dans la journée, en traitant un dossier d’impayés, le gestionnaire passe sans problème à l’écran où sont affichés les arriérés et les informations de suivi essentielles pour cette procédure.","spans":[]},{"type":"paragraph","text":"Compose vous propose des écrans qui non seulement s’adaptent au type de dossier, mais aussi à l’action requise et au groupe d’utilisateurs.","spans":[{"start":0,"end":7,"type":"strong"}]}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":901},"alt":"Collections screen","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/e190280b-6812-4ac6-ab2c-e015e0fce0ab_collections-screen%402x.jpg?auto=format%2Ccompress\u0026rect=0%2C0%2C1620%2C912\u0026w=1600\u0026h=901","id":"ZWnOQBAAACMAwKjt","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Avec une interface fonctionnant par le drag \u0026 drop et sans code, les configurateurs et les chefs d’équipe composent leurs propres écrans en quelques minutes : ils y ajoutent les composants et les tableaux qu’ils désirent et les mettent à la disposition de leurs utilisateurs en temps réel. Pas de redéploiement. Pas de redémarrage.","spans":[{"start":39,"end":50,"type":"em"}]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Pour créer la configuration optimale, Compose vous permet de faire une recherche dans sa bibliothèque de panneaux et de tableaux fréquemment utilisés, de les ajouter à un nouvel écran et de les réorganiser sans effort par l’interface drag \u0026 drop. Après avoir prévisualisé et finalisé l’écran, vous pouvez le sélectionner dans l’étape de workflow désiré ou le menu approprié, et il est prêt à être utilisé. ","spans":[{"start":38,"end":45,"type":"strong"},{"start":234,"end":245,"type":"em"}]},{"type":"paragraph","text":"Grâce à un niveau sans précédent de personnalisation de l’interface utilisateur, Compose est une véritable innovation dans son domaine. Pour avoir des précisions, lisez la documentation du module.","spans":[{"start":81,"end":88,"type":"strong"},{"start":163,"end":195,"type":"hyperlink","data":{"link_type":"Media","kind":"file","id":"ZW4MRxEAACEAKRWV","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/77350ebd-7faf-4a05-9d2b-104b15a7e082_Compose.pdf","name":"Compose.pdf","size":"266893"}}]}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"metal-05","copy":[{"type":"heading2","text":"Pourquoi faire des demandes de d’écrans spécifiques, ou se compliquer la vie avec du « développement low-code », quand on peut se composer les siens sans effort ?","spans":[]}]},"id":"text_banner$4dfd3e9f-ee50-41b7-928f-527a82217735","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Une efficience qui va encore plus loin avec Alfa Systems 6","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"heading3","text":"L’efficience dans Alfa Systems 6 : une expérience utilisateur entièrement optimisée, avec des écrans ultra personnalisés.","spans":[]}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Des tableaux de bord de gestion de tâches","accordion_item_copy":[{"type":"paragraph","text":"L’efficience des gestionnaires de tâche (par exemple des dossiers de recouvrement) est améliorée, car ils ont la possibilité de trier les dossiers par type d’arriérés et de regrouper les actions à effectuer, afin de répartir les dossiers de façon optimale : par exemple en redistribuant des files de tâches en attente en fonction de la charge de travail.","spans":[]}]},{"accordion_item_label":"Un workflow optimisé grâce à l’IA","accordion_item_copy":[{"type":"paragraph","text":"En utilisant des données de connexion et de télématique dans un modèle de machine learning, nous vous aidons à comprendre comment créer ou mettre à jour des process plus efficaces ; par exemple en revoyant vos process basés sur le principe des quatre yeux.","spans":[{"start":74,"end":90,"type":"em"}]}]},{"accordion_item_label":"Le modèle de développement d’Alfa","accordion_item_copy":[{"type":"paragraph","text":"Dans les process de nos clients, l’efficience repose sur l’agilité, un développement itératif, ainsi que sur l’appropriation de la solution, en s’inspirant de la topologie des équipes. L’objectif du modèle de développement interne d’Alfa est d’optimiser en permanence la façon dont nous apportons des modifications logicielles à nos clients. Un aspect fondamental est l’amélioration du Flow, à savoir la rapidité et l’efficience avec lesquelles un travail de qualité circule dans notre organisation. En misant tout sur le Flow, nous avons la possibilité être plus réactifs et plus axés sur la solution afin d’apporter plus de valeur ajoutée à nos clients.","spans":[{"start":386,"end":390,"type":"em"},{"start":522,"end":526,"type":"em"}]}]}],"primary":{},"id":"article_accordion$ef81db09-5d40-49f5-a908-0a86688de4aa","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Défis et opportunités","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"heading3","text":"Alfa Systems 6 peut transformer votre entreprise, créer de nouvelles sources de revenus et améliorer la productivité de votre activité.","spans":[{"start":0,"end":14,"type":"strong"}]}]},"id":"rich_text$5e795c2e-1096-490f-ab2a-542a29dfddfe","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunité : l’évolutivité","accordion_item_copy":[{"type":"paragraph","text":"Grâce à une meilleure efficience opérationnelle, les sociétés financières sont en mesure de réaliser des économies d’échelle. Ce qui permet ensuite de mieux affecter les ressources et de les faire évoluer. Avec la création de nouveaux écrans sans code ni déploiement, adaptés à différents types de produits, et une intégration en un clic, étendre l’offre de produits est de plus en plus rationalisé. Cela simplifie et réduit le coût d’implémentation des nouvelles gammes de produits.","spans":[]}]},{"accordion_item_label":"Opportunité : le multitâche","accordion_item_copy":[{"type":"paragraph","text":"La génération émergente excelle dans le multitâche, ce qui indique que vous pouvez potentiellement donner à votre personnel les moyens de traiter plusieurs domaines de produits et de process à la fois. 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Dazu gehören Möglichkeiten, benutzerdefinierte Felder zu erstellen, manuelle und automatisierte Workflows mit einer umfangreichen Bibliothek von Geschäftsregeln zu nutzen und leistungsstarke Integrationen zu verwenden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Unsere Kunden vertrauen auf diese Tools. Dennoch wissen wir, dass Flexibilität manchmal mit zusätzlicher Komplexität einhergeht. Aus Kundenfeedback geht hervor, dass die Zahl der Klicks verringert und volumenintensive Prozesse gestrafft werden müssen. Damit die Nutzer das Beste aus beiden Welten genießen können, haben wir auf ihre wertvollen Rückmeldungen reagiert.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Wir stellen vor: Compose – personalisiertes Design","spans":[{"start":17,"end":25,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Auf der Grundlage modernster Technologien geht das Team von Alfa die Herausforderung der Effizienz mit einer überzeugenden Innovation an: „Compose“.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mit Compose können die Nutzer von Alfa Systems eine beliebige Anzahl von hochgradig personalisierten Ansichten erstellen, die nur die für die jeweilige Aufgabe wesentlichen Informationen enthalten. Dadurch werden Abläufe optimiert und der Zeitaufwand, die Anzahl der Klicks und die kognitive Belastung reduziert – an allen Punkten eines Workflows, während des gesamten Vertragslebenszyklus und darüber hinaus.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose in Aktion:","spans":[{"start":0,"end":7,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"891102254","video_caption":[{"type":"paragraph","text":"Compose – personalisiertes Design","spans":[],"direction":"ltr"}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Der selbst entwickelte, codefreie Drag-and-Drop-Katalysator für mehr Effizienz in Ihrem Betrieb.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mit Compose erhalten Kunden vollständige Flexibilität und Kontrolle über ihre eigene Benutzeroberfläche.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Man stelle sich ein Szenario vor, in dem ein Mitarbeiter aus dem Kundendienst mit Zuständigkeit für die Vertragsverwaltung mit einer personalisierten Ansicht arbeitet, die nur die Kundendaten, den Kontostand und andere wichtige Informationen anzeigt, die für die Bearbeitung dieses speziellen Falltyps erforderlich sind. Im gleichen Workflow arbeitet der Genehmigende ausschließlich mit den Informationen, die für ihn am wichtigsten sind – in einem für ihn geeigneten Layout und ergänzt durch entsprechende Aktionsassistenten.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Im weiteren Tagesverlauf wechselt der Fallmanager bei der Bearbeitung einer Anfrage zu Zahlungsrückständen nahtlos zu einer Maske mit den für diesen speziellen Vorgang wichtigen Informationen zum Rückstand und zur Nachverfolgung.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose bietet Ihnen Ansichten, die sich nicht nur je nach Art des Falls individuell anpassen lassen, sondern auch auf der Grundlage der erforderlichen Aktion und der Nutzergruppe.","spans":[],"direction":"ltr"}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":901},"alt":"Collections screen","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/e190280b-6812-4ac6-ab2c-e015e0fce0ab_collections-screen%402x.jpg?auto=format%2Ccompress\u0026rect=0%2C0%2C1620%2C912\u0026w=1600\u0026h=901","id":"ZWnOQBAAACMAwKjt","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Mithilfe einer codefreien Drag-and-Drop-Benutzeroberfläche können Konfigurationsnutzer und Teamleiter ihre eigenen Ansichten in nur wenigen Minuten erstellen. Dazu müssen sie einfach die gewünschten Komponenten und Tabellen hinzufügen und sie ihren Nutzern in Echtzeit zur Verfügung stellen. Keine erneute Bereitstellung. Kein Neustart.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Um die optimale Konfiguration für einen Anwendungsfall zu erstellen, können Sie die Bibliothek von Compose mit häufig verwendeten Panels und Tabellen durchsuchen, sie zu einer neuen Maske hinzufügen und mühelos über eine Drag-and-Drop-Schnittstelle neu anordnen. Nach der Vorschau und Fertigstellung der Ansicht können Sie sie im entsprechenden Workflow-Status oder Menüpunkt auswählen – sie ist einsatzbereit.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose bietet Ihnen ein bisher unerreichtes Maß an Personalisierung der Benutzeroberfläche und ist ein Novum in der Branche. Weitere Informationen entnehmen Sie bitte der Dokumentation zum Modul.","spans":[{"start":172,"end":195,"type":"hyperlink","data":{"link_type":"Media","kind":"file","id":"ZW4MRxEAACEAKRWV","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/77350ebd-7faf-4a05-9d2b-104b15a7e082_Compose.pdf","name":"Compose.pdf","size":"266893"}}],"direction":"ltr"}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"metal-05","copy":[{"type":"heading2","text":"Warum sollten Sie Änderungsanträge für benutzerdefinierte Ansichten stellen oder sich mit codearmer Entwicklung beschäftigen müssen, wenn es möglich ist, mühelos Ihre eigenen zu erstellen?","spans":[],"direction":"ltr"}]},"id":"text_banner$4dfd3e9f-ee50-41b7-928f-527a82217735","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Effizienz: In Alfa Systems 6 weiter verbessert","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Effizienz in Alfa Systems 6: Vollständig optimierte UX, mit personalisiertem Design","spans":[],"direction":"ltr"}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Dashboards für das Fallmanagement","accordion_item_copy":[{"type":"paragraph","text":"Die Effizienz von Fallmanagern, die beispielsweise an Inkassofällen arbeiten, wird dadurch gesteigert, dass sie Fälle nach Feldern zum Zahlungsrückstand sortieren und Massenaktionen durchführen können, um eine optimale Fallzuweisung zu gewährleisten – etwa eine Umverteilung von Wartelisten auf der Grundlage der Arbeitslast.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Workflow-Optimierung durch KI","accordion_item_copy":[{"type":"paragraph","text":"Durch das Einspeisen von Protokoll- und Telematikdaten in ein maschinelles Lernmodell können wir Ihnen zeigen, wie Sie effizientere Prozesse schaffen und aktualisieren können, z. 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Die Entwicklung von maßgeschneiderten Ansichten für jeden Geschäftsprozess erleichtert den Übergang zu dieser Arbeitsweise und verringert den Schulungsbedarf.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Die Notwendigkeit zur Senkung der Betriebskosten","accordion_item_copy":[{"type":"paragraph","text":"Angesichts steigender Kapitalkosten und zunehmender regulatorischer Anforderungen ist es für Finanzunternehmen unerlässlich, ihre Betriebskosten zu senken und ihre Wettbewerbsfähigkeit zu wahren. Diese Landschaft im Wandel, die durch neue Produkttypen und Geschäftsmodelle zur Sicherung der Margen gekennzeichnet ist, geht mit zunehmend komplexen Geschäftsprozessen einher. Damit Unternehmen diese Komplexität bewältigen können, müssen Informationen sowohl für den Kundendienst als auch für die Finanzabteilung einfach gehalten werden.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d1d7b710-4c23-408c-a308-3f8cee7ef38b","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demo anfordern","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Anfrage stellen","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Kontakt","title":[{"type":"heading2","text":"Mehr entdecken","spans":[],"direction":"ltr"}]},"id":"action_banner$7010f7b0-1b1a-44bd-b114-65f4285f7021","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwU3ihAAACQA-dRs","uid":"fr-intelligent-automation","url":"/en-ap/product/article/fr-intelligent-automation","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwU3ihAAACQA-dRs%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-18T18:10:46+0000","last_publication_date":"2024-10-18T18:10:46+0000","slugs":["fonde-sur-six-piliers-alfa-systems-6-aide-les-societes-proposant-des-services-financiers-a-surmonter-les-defis-majeurs-auxquels-elles-sont-confrontees-et-a-saisir-les-opportunites-qui-soffrent-a-elles."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwU1VhAAACMA-dEe","type":"product","lang":"en-eu","uid":"fr-intelligent-automation"},{"id":"ZwU3kxAAACUA-dR7","type":"product","lang":"en-us","uid":"fr-intelligent-automation"}],"data":{"product_type":"6 - FR","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zvwsh7VsGrYSwP_P_Transition_5th_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"Zvwsh7VsGrYSwP_P","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Intelligent Automation icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/d9fa4d71-c6d6-4702-80a1-3dd368d8c677_06_Intelligent+Automation+Flat.png?auto=format%2Ccompress\u0026rect=0%2C0%2C80%2C80\u0026w=128\u0026h=128","id":"ZaVK7xUAACUAhGM0","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilier 5 : Automatisation intelligente","subheading":"Une prise de décision systématisée grâce à l’IA et à des workflows basés sur des règles de gestion.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fondé sur six piliers, Alfa Systems 6 aide les sociétés proposant des services financiers à surmonter les défis majeurs auxquels elles sont confrontées et à saisir les opportunités qui s’offrent à elles.","spans":[{"start":0,"end":203,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$348b98c2-b558-44b9-8318-64dc8b509ba9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Pourquoi l’Automatisation intelligente ?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"L’Automatisation intelligente d’Alfa Systems 6 exploite des technologies cognitives de pointe, dont la modélisation prédictive, pour permettre à nos clients de créer des gains d’efficacité grâce à une variété d’outils de prise de décision intelligents et automatisés.","spans":[{"start":0,"end":47,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8RkaI3ufuUQLR_Intelligent_Automation_tile.png?auto=format%2Ccompress\u0026w=150\u0026h=150","alt":"Intelligent automation tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8RkaI3ufuUQLR","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Dotant Alfa Systems et ses clients de solutions qui offrent une réelle valeur ajoutée, l’Automatisation intelligente est conçue pour :","spans":[{"start":87,"end":116,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Automatiser tous vos processus : les clients d’Alfa ont le pouvoir d’automatiser leurs processus en fonction de leur activité. Des arbres de décision et des ensembles de règles intégrés, déclenchés par workflows automatisés, règles métier et API, permettent une expérience intelligente et heuristiques.","spans":[{"start":0,"end":30,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Intégrer et perfectionner le personnel : AskThea, le chatbot d’IA conversationnelle d’assistance et de conseils sur Alfa Systems, offre des informations immédiates aux utilisateurs qui cherchent des réponses, des fonctionnalités disponibles et de potentielles solutions.","spans":[{"start":0,"end":38,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Intégrer de nouveaux produits et processus : grâce à AskThea, les professionnels du changement opérationnel peuvent rapidement consulter la documentation Alfa Systems pour comprendre les changements de workflow et de configuration nécessaires à la mise en œuvre de nouveaux processus, offrant ainsi davantage de flexibilité et de puissance.","spans":[{"start":0,"end":42,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Comprendre et réduire le risque de crédit de portefeuille : Alfa Decisioning, un tout nouveau moteur de décision de crédit, s’associe à l’expérience d’Alfa iQ en IA prédictive pour l’optimisation dynamique de la souscription de crédit, avec une modélisation spécifique au client.","spans":[{"start":0,"end":57,"type":"strong"},{"start":151,"end":158,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Découvrez l’Automatisation intelligente en action :","spans":[{"start":12,"end":39,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$d403d150-c54b-401f-976c-7f4dfefbc931","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"988936712","video_caption":[{"type":"paragraph","text":"L’Automatisation intelligente d’Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$97a1adbd-cd37-4ec2-924d-61e9bad9cd12","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"« Les sociétés de financement d’actifs exigent davantage de leurs fournisseurs de services technologiques. L’automatisation complète des processus de base est désormais un minimum attendu. En intégrant une IA novatrice et en automatisant des processus complexes, avec l’Automatisation intelligente, nous dépassons ces attentes. Des outils innovants comme AskThea et Alfa Decisioning permettent à nos clients de prendre des décisions plus judicieuses, d’atteindre une efficacité exceptionnelle et de garder une longueur d’avance sur un marché concurrentiel et en constante évolution. »","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, Chief Technology Officer, Alfa"},"id":"article_quote$8f2d2df5-8293-436b-af01-6fd4545ea800","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Présentation de l’Automatisation intelligente dans Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alors que la médiatisation de l’IA atteint son apogée, les professionnels de la finance attendent plus de leurs fournisseurs de leurs services technologiques. L’automatisation complète des processus de base est devenue un minimum attendu, reléguant l’expression « intervention manuelle » au blasphème.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Les attentes sont élevées, non seulement pour l’automatisation des processus opérationnels, mais aussi pour les gains d’efficacité dans les projets d’implémentation, ainsi que des résultats financiers plus sains, le tout grâce à une intelligence supérieure, basée sur des règles et un apprentissage constant.","spans":[],"direction":"ltr"}]},"id":"rich_text$4726df20-192a-406e-a684-79cc6277d59e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":587},"alt":"Decisioning with pluggable API","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zp_h5h5LeNNTxbsE_Intelligent-Automation-pluggable-AI.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5016%2C1840\u0026w=1600\u0026h=587","id":"Zp_h5h5LeNNTxbsE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$50ae8a91-78ab-492b-be15-19ca4ff5a44d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"En revanche, compte tenu de l’obligation de comprendre et de se conformer à la propriété et à la qualité des données, ainsi qu’aux préoccupations en matière d’éthique et de sécurité, la plupart des applications d’IA axées sur le client tardent à arriver sur le marché. Ces préoccupations sont légitimes et ceux qui vont de l’avant ne leur accordent peut-être pas l’attention méritée.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"De plus, pour les modèles intelligents qui reposent sur les intrants des marchés financiers, l’adage selon lequel « pour connaître l’avenir, on observe le passé » n’est pas vrai dans ce contexte. Les changements systémiques liés à la COVID, à l’inflation et aux hausses soudaines des taux d’intérêt suggèrent que les décisions subjectives peuvent donner de meilleurs résultats que les modèles entrainés sur des données récentes.","spans":[],"direction":"ltr"},{"type":"image","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZmsO8Zm069VX1uc2_Alfa_iQ_logo_colour.svg?auto=compress,format","alt":"alfa iq logo","copyright":null,"dimensions":{"width":947,"height":446},"id":"ZmsO8Zm069VX1uc2","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"En gardant ces dynamiques à l’esprit, Alfa a mis à profit, pour l’Automatisation intelligente, l’expérience, les compétences et les connaissances en modélisation développées grâce à notre service d’IA, Alfa iQ, depuis son lancement en 2020. Cela nous permet d’intégrer des outils avancés qui offrent des avantages significatifs à nos clients :","spans":[{"start":66,"end":93,"type":"em"},{"start":202,"end":209,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"list-item","text":"Les workflows basés sur des règles de gestion, automatisés et vérifiables, proposent des avantages similaires aux décisions de l’IA, mais offrent à nos clients davantage de contrôle et une plus grande capacité d’explication.","spans":[{"start":0,"end":45,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"AskThea est un chatbot d’IA conversationnelle d’assistance et de conseils sur Alfa Systems, fournissant des informations immédiates sur le support produit.","spans":[{"start":0,"end":8,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Alfa Decisioning est un moteur de décision de crédit intégrant des modèles d’IA, fournissant une souscription de crédit de nouvelle génération avec une modélisation spécifique au client.","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$2229689b-c6d0-4fbc-86a6-1313e4f97c13","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Rationalisez et adaptez la prise de décision à l’échelle de votre entreprise","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Comprenez le risque de crédit dans votre portefeuille, simplifiez les processus, libérez des ressources et améliorez l’efficacité opérationnelle.","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. Amélioration des workflows basés sur des règles","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Des règles de tarification complexes à la souscription conditionnelle, en passant par le traitement des divergences entre des documents et la mise en œuvre de la « meilleure action » à la résiliation, Alfa Systems intègre une gamme de workflows automatisés basés sur des décisions complexes. Alfa améliore constamment cette fonctionnalité, en permettant à de nouveaux paramètres ou entités d’alimenter les règles de décision et en créant de nouveaux paradigmes pour déclencher des actions.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5R5LeNNTxbsD_Intelligent-Automation-rules-based-workflows.png?auto=format%2Ccompress\u0026rect=3%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Rules-based workflow tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5R5LeNNTxbsD","edit":{"x":3,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Parmi les nombreuses améliorations que nous avons apportées à Alfa Systems 6, on peut citer l’utilisation réelle du bien (par rapport à l’utilisation estimée dans le contrat) qui permet de déclencher des règles de gestion en vue d’une résiliation anticipée ou d’une extension de contrat, permettant des calculs de provisionnement complexes.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Bien qu’Alfa explore en détail l’utilisation de l’IA prédictive dans les workflows, les résultats actuellement obtenus grâce à une chaîne de règles métier représentent aussi une automatisation intelligente et montrent leur efficacité . Un avantage significatif de cette approche est que l’utilisateur d’Alfa Systems peut facilement visualiser, à partir de l’interface utilisateur, la piste d’audit complète des données ainsi que les décisions qui ont conduit au déclenchement d’un résultat particulier, permettant ainsi une plus large diffusion de cas d’utilisation réalisables pour l’automatisation.","spans":[],"direction":"ltr"},{"type":"heading3","text":"2. AskThea","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Construit en interne par les innovateurs d’Alfa, et soutenu par des services d’IA générative éprouvés, AskThea est un chatbot d’IA conversationnelle entrainé à partir des bibliothèques de documentation Alfa Systems pour fournir des informations immédiates.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_mHh5LeNNTxbta_Intelligent-Automation-AskThea.png?auto=format%2Ccompress\u0026rect=0%2C1%2C839%2C559\u0026w=150\u0026h=100","alt":"AskThea logo","copyright":null,"dimensions":{"width":150,"height":100},"id":"Zp_mHh5LeNNTxbta","edit":{"x":0,"y":1,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"AskThea permet aux utilisateurs d’Alfa Systems (administrateurs, développeurs d’intégration, équipes de support, de gestion des changements et de formation) de comprendre plus efficacement les fonctionnalités fournies dans Alfa Systems, offrant des réponses instantanées sur la meilleure façon de suivre les nouvelles besoins fonctionnels ou techniques.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea est hautement extensible et intègre une grande variété de ressources aux bibliothèques Alfa. Des tâches administratives, telles que l’assistance à la configuration ,aux API, aux besoins de formation et aux processus clients, AskThea évolue constamment et s’avère de plus en plus bénéfique.","spans":[],"direction":"ltr"},{"type":"heading3","text":"3. Alfa Decisioning","spans":[],"direction":"ltr"},{"type":"paragraph","text":"S’appuyant sur les capacités exceptionnelles de souscription d’Alfa Systems, Alfa Decisioning est un moteur de décision de crédit de nouvelle génération qui peut être complété par un modèle d’IA « enfichable ».","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5B5LeNNTxbsC_Intelligent-Automation-Alfa_Decisioning.png?auto=format%2Ccompress\u0026rect=0%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Alfa Decisioning tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5B5LeNNTxbsC","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Les clients d’Alfa Systems peuvent créer leurs propres arbres de décision et tableaux de bord, en fonction des informations issues des données de cycle de vie client extraites du magasin de données opérationnelles d’Alfa Systems. Créés via un éditeur visuel par drag \u0026 drop (glisser-déposer), les arbres de décision sont constitués par le moteur de workflow d’Alfa Systems, permettant une automatisation complète pour une proportion croissante de décisions de crédit.","spans":[{"start":262,"end":275,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"S’appuyant sur notre expérience dans l’implémentation de moteurs de calcul de « probabilité de défaut » avec Alfa iQ, ces règles de décision peuvent être complétées par un modèle d’IA prédictive personnalisé. En intégrant les données client aux informations des agences de référence de crédit et au comportement du client sur Alfa Systems, le modèle génère une probabilité de défaut et l’intègre dans le moteur de règles, réduisant ainsi les risques et s’étendant potentiellement à de nouveaux secteurs de marché.","spans":[],"direction":"ltr"}]},"id":"rich_text$2f40fa57-af09-4d3a-a059-63faf3c3e459","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Automatisation intelligente : Modèle futur","spans":[],"direction":"ltr"}]},"id":"rich_text$15506dde-47e5-4613-b07a-e56780b13fe0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Génération de rapports en langage naturel","accordion_item_copy":[{"type":"paragraph","text":"L’Operational Data Store (ODS) d’Alfa Systems contient une mine d’informations à utiliser pour reporting et l’analyse décisionnelle. Cependant, l’étendue des données disponibles peut complexifier le reporting pour les utilisateurs.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Le futur outil de génération de rapports permettra aux utilisateurs de décrire les informations dont ils ont besoin en langage naturel. Un accès rapide à toutes les structures de données de l’ODS sans nécessiter de connaissances, ouvrira aux utilisateurs non techniques la possibilité de créer facilement les rapports dont ils ont besoin.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Documentation produit spécifique au client","accordion_item_copy":[{"type":"paragraph","text":"Les clients d’Alfa Systems ont accès à une multitude d’options de configuration qui leur permettent d’adapter la plate-forme à leurs propres besoins. En utilisant l’IA conversationnelle, les administrateurs peuvent mieux comprendre comment des modifications de paramètres peuvent affecter Alfa Systems, et par la suite générer une documentation adaptée à leur version spécifique et à leur ensemble de configuration, permettant aux utilisateurs de mieux comprendre le fonctionnement des différentes fonctionnalités.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Étant donné qu’il est de plus en plus facile de générer de la documentation client à partir de la configuration, il devient de moins en moins nécessaire d’en créer. Cependant, les clients peuvent disposer de manuels de procédures, de supports de formation et d’autres sources de documentation à partir desquels ils souhaitent fournir une plate-forme d’aide entièrement intégrée. En utilisant la documentation produit Alfa Systems, ainsi qu’une compréhension de la configuration et la documentation fournie par le client, Alfa offre une solution d’auto-assistance unique.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Gestion de la charge de travail","accordion_item_copy":[{"type":"paragraph","text":"En analysant en permanence la progression des tâches, la charge de travail des opérateurs et les effets saisonniers, Alfa cherche à fournir une analyse prédictive novatrice. Cette dernière permet une affectation intelligente des tâches, des alertes précises sur les accords de service (SLA) et des informations approfondies sur la manière dont la charge de travail est gérée. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En utilisant un large éventail d’indicateurs - dont la prédiction des résultats de workflow, des données des actifs et des profils tiers - Alfa Systems peut prédire la durée de chaque tâche, identifier les violations potentielles des SLA, assurer une remontée pertinente des cas et optimiser la gestion des files d’attente.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Efficacité des développeurs","accordion_item_copy":[{"type":"paragraph","text":"Pour les développeurs, les outils d’IA ne se limitent pas à la simple génération de code ; ils fournissent une vaste gamme de services d’assistance. Ils peuvent aider à discuter des solutions, à optimiser le code et la performance, et à comprendre les projets existants afin de mieux intégrer de nouvelles solutions. Grâce à une assistance intelligente aux développeurs, les équipes peuvent produire rapidement du code plus efficace, sécurisé et étroitement intégré.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En ce qui concerne nos processus internes, chez Alfa, nous utilisons une gamme avancée d’outils de détection de la qualité, de la sécurité et de la vulnérabilité pour garantir un produit final qui respecte la fiabilité pour laquelle Alfa Systems est reconnue. À l’avenir, nous souhaitons partager ces informations avec les développeurs d’intégration.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$9673686b-e7fa-4577-ae38-d8d604075537","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Automatisation intelligente : Relever les défis et saisir les opportunités","spans":[],"direction":"ltr"}]},"id":"rich_text$d07ca346-117f-406d-9725-b05c23066fcb","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunité : Originations - rapidité de réponse","accordion_item_copy":[{"type":"paragraph","text":"Face à l’intensification de la concurrence, il est crucial pour les sociétés de financement d’apporter une réponse initiale le plus rapidement possible, à un éventail de demandes aussi large que possible. Avec des taux d’automatisation souhaités proches de 80 %, toute augmentation nécessite une automatisation intelligente alimentée par un ensemble de règles complexes et facilement modifiables. L’IA pourrait jouer un rôle important dans l’avancement et l’affinement de ces ensembles de règles.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunité : Le besoin de flexibilité","accordion_item_copy":[{"type":"paragraph","text":"Les sociétés de financement doivent garder une longueur d’avance sur les tendances du marché en adaptant efficacement leurs modèles commerciaux et en pilotant de nouvelles technologies et de nouveaux processus. Il est donc crucial de maintenir leur technologie à jour, tout en minimisant les coûts de mise à niveau et d’implémentation. Les outils d’IA générative comme AskThea sont idéaux, car ils augmentent l’accessibilité de la documentation complexe des produits pour les utilisateurs finaux.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Trouver une main-d’œuvre qualifiée et de qualité","accordion_item_copy":[{"type":"paragraph","text":"À l’échelle mondiale, il est devenu difficile de recruter et de fidéliser des ressources qualifiées et rentables. Certains présupposent qu’une technologie de pointe intégrant l’IA peut réduire le besoin de certaines ressources chargées d’exécuter des fonctions de base. De manière plus réaliste, l’IA peut réallouer les charges de travail en automatisant les tâches répétitives de faible valeur, libérant ainsi des ressources pour des activités à plus forte valeur ajoutée, augmentant ainsi la satisfaction au travail. Les workflows automatisés d’Alfa, ainsi que le pilotage des processus internes GPT et CoPilot, peuvent aider à atténuer ce problème.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Attentes des clients","accordion_item_copy":[{"type":"paragraph","text":"Les clients attendent plus. Un jeune père de famille a récemment expliqué comment il utilisait les données analytiques d’un moniteur pour bébé pour comprendre les habitudes de sommeil de son enfant, ce qui témoigne d’une tendance à l’augmentation des attentes. Les clients exigent désormais des réponses efficaces, précises et presque en temps réel, ce qui n’est pas toujours possible avec des processus manuels. Les workflows automatisés, intégrant des règles métier et des modèles de langage naturel lorsque cela est possible, permettent des réponses rapides tout en maintenant une expérience client de haute qualité.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Régulation de l’IA","accordion_item_copy":[{"type":"paragraph","text":"L’IA évolue rapidement et s’immisce de plus en plus dans chaque entreprise, tout comme les réglementations qui la régissent et les attentes en matière de fiabilité qu’elle suscite. Certes, les organismes de réglementation s’efforcent de tracer les lignes directrices et établir les règles d’un fonctionnement juste et équitable de l’IA, mais nous constatons que l’innovation devance souvent cette effort, créant ainsi un fossé périlleux à franchir pour les entreprises.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Dans un premier temps, Alfa adopte une approche « l’IA comme guide » chaque fois que cela est possible, mettant tout en œuvre pour minimiser les risques pour les individus et les entreprises. Nous travaillons en étroite collaboration avec AWS et d’autres partenaires pour surveiller les changements législatifs et nous assurer qu’ils sont intégrés dans le processus de développement.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Les principaux différentiateurs d’Alfa - l’excellence du personnel, de la technologie et des résultats - sont la garantie que vous pouvez nous faire confiance pour tous les aspects de l’IA, y compris en ce qui concerne les conseils relatifs à sa mise en œuvre.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunité : AI-as-a-Service","accordion_item_copy":[{"type":"paragraph","text":"Chez Alfa, nous disposons d’une solide expérience dans la mise au point de nos propres solutions d’IA personnalisées, mais nous nous gardons de réinventer la roue lorsque nous pouvons tirer parti des relations avec nos partenaires pour offrir une expérience d’IA parfaitement intégrée. De la vérification des identités à la reconnaissance et à la compréhension des documents, en passant par une gamme riche d’API et de services, Alfa Systems est conçu dans une optique de personnalisation et d’intégration futures.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Pour en savoir plus, consultez le dernier pilier d’Alfa Systems 6, l’Écosystème collaboratif : une intégration simple des innovations du marché via le réseau de partenaires de confiance d’Alfa.","spans":[{"start":67,"end":92,"type":"strong"}],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$612bfe5e-1bf1-486f-ab2b-a866a4829582","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demander une démonstration","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Poser une question","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Contact","title":[{"type":"heading2","text":"En savoir plus","spans":[]}]},"id":"action_banner$9baba473-4c41-4198-8d92-e82e58954bf3","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwU1FxAAACQA-dC_","uid":"fr-scalability","url":"/en-ap/product/article/fr-scalability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwU1FxAAACQA-dC_%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-18T18:11:09+0000","last_publication_date":"2024-10-18T18:11:09+0000","slugs":["fonde-sur-six-piliers-alfa-systems-6-aide-les-societes-proposant-des-services-financiers-a-surmonter-les-defis-majeurs-auxquels-elles-sont-confrontees-et-a-saisir-les-opportunites-qui-soffrent-a-elles."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwUyqhAAACQA-c0b","type":"product","lang":"en-eu","uid":"fr-scalability"},{"id":"ZwU1MRAAACIA-dDn","type":"product","lang":"en-us","uid":"fr-scalability"}],"data":{"product_type":"6 - 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Utilisez la même configuration dans plusieurs pays, ou comme point de départ pour des déploiements dans de nouvelles régions ou de nouveaux secteurs d’activité.","spans":[{"start":0,"end":37,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Mettre à profit un vrai fonctionnement 24/7 : les nouvelles capacités de clôture progressive permettent des opérations ininterrompues 24 heures sur 24 ainsi que des performances supérieures. Une première sur le marché. Les portefeuilles progressent en douceur jusqu’au lendemain sans temps d’arrêt, permettant un service numérique en continu de toutes les opérations (pas seulement pour les simulations).","spans":[{"start":0,"end":44,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Découvrez l’Évolutivité dans Alfa Systems 6 :","spans":[],"direction":"ltr"}]},"id":"rich_text$57348e93-2f58-4cc9-a981-b451dbf89415","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"vimeo_video_id":"944135319","video_caption":[{"type":"paragraph","text":"l’Évolutivité dans Alfa Systems 6 ","spans":[],"direction":"ltr"}]},"id":"article_video$41197a34-9602-4fd8-a1a2-98856b3acd0c","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"« L’Évolutivité, le quatrième pilier d’Alfa Systems 6, permet aux sociétés proposant des services financiers de planifier efficacement et en toute confiance l’extension de leurs opérations, sans se soucier de l’augmentation des dépenses d’investissement. Cela leur permet de réaliser des économies d’échelle et d’atténuer le risque d’une base de coûts plus élevée. »","spans":[],"direction":"ltr"}],"author":"Emily Hammond, Head of Product"},"id":"article_quote$52314dad-6b9e-43ef-a807-bf70754cac83","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Présentation de l’Évolutivité dans Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ces dernières années, l’environnement des sociétés proposant des services financiers n’a pas été simple. La hausse des coûts, la pénurie de talents qualifiés et l’évolution des réglementations mondiales ont contraint les sociétés financières à se retirer de marchés ou à étendre leurs opérations pour tirer parti des économies d’échelle. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Le retard dans la mise en œuvre des augmentations des exigences de fonds propres de Bâle IV (alias Bâle 3.1 et Bâle III Endgame), conjugué à certaines défaillances bancaires très médiatisées, a souligné la nécessité de retirer le risque du bilan. Une évaluation des risques plus rigoureuse et une différenciation des types d’actifs ont également été exigées. Cette situation peut être à la fois une opportunité et une menace, incarnées par des fusions et des acquisitions, avec des portefeuilles plus importants potentiellement consolidés par des banques établies disposant des processus et des contrôles optimisés nécessaires. Les vainqueurs seront ceux qui tirent parti de la technologie pour évoluer, ceux qui peuvent réagir rapidement et astucieusement.","spans":[],"direction":"ltr"}]},"id":"rich_text$ed06331b-99a1-4614-ae55-f7da6db66b68","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":894},"alt":"« Avec le bon modèle technologique, vous pouvez faire évoluer votre activité de manière souple et rapide »","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju8jEMTzAJOCpBn_scalability_tech.png?auto=compress,format\u0026rect=0,0,1911,1068\u0026w=1600\u0026h=894","id":"Zju8jEMTzAJOCpBn","edit":{"x":0,"y":0,"zoom":0.837257980115123,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$f8c23005-5e51-4031-b1f0-a30c3f7b9443","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Le secteur a déjà connu de nombreuses consolidations, tant au niveau de la gestion que de la propriété des portefeuilles. Pour gérer efficacement ces portefeuilles nouvellement élargis et potentiellement mondiaux, et s’assurer qu’ils sont ceux qui tirent parti des économies d’échelle, les sociétés proposant des services financiers nécessitent :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Des opérations 24/7, en continu et toujours disponibles","spans":[{"start":0,"end":19,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Un paysage technologique rapide et hautement performant avec une base de référence plus élevée et une capacité d’évolutivité permettant de répondre aux exigences de performances au fur et à mesure qu’elles surviennent, garantissant ainsi une efficacité durable","spans":[{"start":0,"end":55,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Des méthodes simples et efficaces permettant d’élargir leur portefeuille au sein du système actuel (même avec différents processus et produits)","spans":[{"start":0,"end":72,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$fc395813-d521-49c2-aea4-e2a104a44de2","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Cloud : La solution d’hébergement cloud, intégrée à Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Cloud - la solution SaaS standardisée, à single-tenant et native dans le cloud, est conçue pour les clients qui cherchent à faire évoluer leur offre efficacement, à la fois de manière dynamique et à la demande.","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}},{"start":0,"end":10,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Alfa Cloud, à la base de chaque implémentation d’Alfa Systems, a bénéficié des investissements considérables du pilier Évolutivité. Les technologies novatrices et les services automatisés permettent aux clients de déployer des solutions innovantes sur le marché, garantissant des performances optimales, non seulement pour les opérations quotidiennes, mais aussi pendant les périodes chargées nécessitant l’exécution intensive de processus.","spans":[],"direction":"ltr"}]},"id":"rich_text$0509c944-b39f-4aa4-a8ba-f5325fbb39d0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":514},"alt":"Alfa cloud logo","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=compress,format\u0026rect=0,0,11097,3565\u0026w=1600\u0026h=514","id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":0.14417952314165497,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$30dfec7e-046a-43cf-914f-06fb193f61f3","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"L’Évolutivité apporte de nouvelles fonctionnalités importantes dans Alfa Cloud:","spans":[{"start":68,"end":78,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$9e9d06d9-ce0d-48c3-9797-a8fe08bf6d77","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Autoscaling dynamique des bases de données","accordion_item_copy":[{"type":"paragraph","text":"Exploitant la puissance des technologies sans serveur AWS Aurora, Alfa Cloud introduit l’autoscaling dynamique des bases de données, pour abandonner l’approche traditionnelle des mises à niveau planifiées des bases de données. 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Que vous intégriez rapidement 1 000 nouveaux fournisseurs ou que vous exécutiez une migration accélérée de votre portefeuille, Alfa Cloud répond à vos besoins là où d’autres solutions ne le peuvent pas.","spans":[{"start":413,"end":433,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Les tests de ces nouvelles technologies et de la gestion des capacités automatisées ont révélé une amélioration jusqu’à 3,3 fois supérieure aux performances en temps réel d’un portefeuille similaire déployé dans un centre de données hérité.","spans":[{"start":49,"end":56,"type":"em"}],"direction":"ltr"}]},{"accordion_item_label":"Mise à l’échelle des applications","accordion_item_copy":[{"type":"paragraph","text":"L’intégration de technologies dans d’autres domaines (comme Compose, ou encore Total Originations) permet à Alfa Cloud de prendre en charge la mise à l’échelle des applications. 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Grâce à des investissements stratégiques dans les ressources humaines et les processus, tels que les procédures de patch sans contact, nous permettons à nos clients de tirer parti des économies d’échelle et de tirer profit de l’expertise d’Alfa Systems.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Traitement 24h/24, 7j/7, avec clôture au niveau entité","accordion_item_copy":[{"type":"paragraph","text":"Le développement continu d’Alfa Systems trouve de nouvelles façons de permettre à nos clients de s’adapter à la fois verticalement (en termes de volume de contrats) et horizontalement (entre les régions). Notre investissement dans le traitement 24h/24, 7j/7 permet à nos clients d’accéder à une application unique, globale et toujours active*.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"L’efficacité accrue d’une clôture progressive, gérée au niveau entité, offre de nombreux avantages. Au-delà de performances supérieures et d’une réduction de la pression sur la base de données, cette approche facilite les opérations ininterrompues, 24h/24, 7j/7. Les portefeuilles progressent jusqu’au lendemain sans interruption, avec une signalisation claire à la fois dans l’interface utilisateur et via web services.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Cela permet un service numérique en continu de toutes les opérations (pas seulement les simulations), un accès au service client offshore pendant toute la journée de travail, ainsi que des opérations multi pays, chacune exécutant son propre processus de clôture progressive.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"* soumise à des restrictions de souveraineté des données","spans":[{"start":0,"end":56,"type":"em"}],"direction":"ltr"}]},{"accordion_item_label":"Une seule application multipays","accordion_item_copy":[{"type":"paragraph","text":"Réputé pour sa flexibilité en constante évolution, Alfa Systems permet un déploiement très efficace dans plusieurs pays ou États, prenant en charge différents types de produits financiers, de réglementations, de normes de reporting GAAP et de processus opérationnels. Des règles métier et workflows puissants, associés à la segmentation des paramètres et à l’appel personnalisable de services externes basés sur une logique métier, garantissent que la même application de base peut être utilisée dans diverses juridictions.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$0ad11fee-75b5-40c0-94eb-62885f18d35d","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"La mise à l’échelle dynamique des bases de données et des applications, les OpEx variables et le fonctionnement en continu d’Alfa Cloud vous permettent de couvrir diverses juridictions et de tirer parti d’économies d’échelle.","spans":[],"direction":"ltr"}]},"id":"text_banner$b567837b-bdd0-4706-b2a7-fb4b2d6c8502","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Évolutivité : Encore améliorée dans Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"L’Évolutivité dans Alfa Systems 6 : un fonctionnement en continu, cohérent et sans restriction.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Audit-as-a-Service","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa est très fière de l’équipe dédiée et des processus robustes qu’elle a mis en place pour fournir une application cloud, sécurisée et performante, qui adhère aux besoins GRC (gouvernance, risques et conformité). Ces normes sont à la base les services logiciels qui représentent l’épine dorsale des grandes institutions financières.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Nos équipes dédiées à la sécurité de l’information et à la protection des données veillent à aux obligations de conformité et à la sécurité des données, à la grande satisfaction des auditeurs les plus rigoureux. Alfa a obtenu les certificats ISO 27001 et 27018*, et dispose de rapports SOC 1 type II et SOC 2 type II** tenus par des auditeurs externes.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Pour assurer la transparence et répondre aux exigences d’audit des clients, nous proposons des rapports SOC 2 type II et des lettres de liaison trimestrielles à télécharger via le portail en libre-service d’Alfa Cloud. Pour réduire les coûts d’audit internes et externes, les clients peuvent solliciter un rapport SOC 1 type II sur demande, tirant parti d’économies d’échelle au sein d’Alfa.","spans":[],"direction":"ltr"},{"type":"paragraph","text":" ISO 27001:2022 ; ISO 27018:2019\n* SSAE 18 SOC 2 type II ; SOC 1 type II","spans":[{"start":0,"end":72,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$ee042ff9-2172-4885-939c-ac84e9cc1647","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":504},"alt":"« Minimiser les dépenses d’investissement ; Supprimer les temps d’arrêt ; Conserver l’avantage ; Évoluer en toute confiance »","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju-3EMTzAJOCpCW_scalability_do.png?auto=compress,format\u0026rect=0,0,1908,601\u0026w=1600\u0026h=504","id":"Zju-3EMTzAJOCpCW","edit":{"x":0,"y":0,"zoom":0.8386023294509152,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$2561f3bf-14f8-4c08-ac06-4dde12d2f9d0","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Nouveaux outils : Chargement de portefeuille et migration","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Bien que la migration initiale des données soit généralement effectuée dans le cadre de nos projets d’implémentation, les clients d’Alfa ont souvent besoin d’intégrer des portefeuilles conséquents à partir d’anciens systèmes pour diverses raisons: une nouvelle offre Banking-as-a-service, la mise en œuvre d’une stratégie de migration à grande échelle, ou simplement une nouvelle acquisition.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En s’appuyant sur leur compréhension approfondie des exigences des clients, les consultants d’Alfa ont développé des outils innovants pour accélérer et automatiser ces processus de migration. Plusieurs options sont disponibles pour les clients et adaptées à différents types de produits, à différentes tailles de portefeuille, et aux informations et comportements souhaités sur Alfa Systems.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Changer la capture de données grâce au Data Pipeline","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Grâce à des investissements conséquents visant à améliorer l’évolutivité des données et des messages pour les systèmes externes, Alfa introduit le module Data Pipeline (pipeline de données), qui fournit des capacités de capture des changements de données (CDC) pour l’ Operational Data Store(ODS) d’Alfa Systems.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En exploitant Apache Kafka pour fournir une API via événement, le module permet une intégration fluide dans les pipelines de données de nos clients à l’aide d’un modèle de streaming d’événements. Nos clients peuvent ainsi recevoir des flux de données dans leurs propres solutions de stockage de données, efficacement et en quasi temps réel.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Les événements sont placés sur un sujet dédié par table ODS, ce qui permet le regroupement logique de données associées. De plus, nous prenons désormais en charge Kafka comme destination pour les notifications d’événements d’Alfa Systems, facilitant ainsi la consommation basée sur Kafka comme modèle d’intégration pour des systèmes hautement interconnectés fonctionnant à grande échelle.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Performances et qualité","spans":[],"direction":"ltr"},{"type":"paragraph","text":"L’augmentation des volumes de biens et de contrats s’accompagne d’une demande accrue en infrastructures hautement performantes et en outils et processus précis.. Il faut s’assurer que les critères de performance sont respectés et que les régressions introduites par de nouveaux déploiements soient réduites au minimum. Alfa a investi de manière proactive dans une équipe dédiée à l’amélioration des outils, de l’infrastructure et des processus, dans le but de faciliter le besoin croissant de mise à l’échelle.","spans":[],"direction":"ltr"}]},"id":"rich_text$8aedbb61-58a1-48a5-b250-c212b3a11af0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Évolutivité : Relever les défis et saisir les opportunités","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Alfa Systems 6 peut transformer votre entreprise, créer de nouvelles sources de revenus et améliorer la productivité de votre activité.","spans":[],"direction":"ltr"}]},"id":"rich_text$bb8fb27e-5fb9-45ae-8006-ccb94d742b5a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunity: Banking-as-a-service","accordion_item_copy":[{"type":"paragraph","text":"À mesure que les exigences réglementaires deviennent de plus en plus astreignantes, les petites sociétés de financement constatent qu’il est de plus en plus coûteux de maintenir leurs logiciels, leurs ressources, leurs processus et leurs capitaux nécessaires. On peut y voir une opportunité pour les grands fournisseurs de monétiser l’efficacité de leurs plates-formes et de tirer parti d’économies d’échelle en assurant la gestion ou l’acquisition de portefeuilles supplémentaires. Grâce à des capacités rationalisées de migration de portefeuille, associées à des workflow automatisés et flexibles, Alfa est bien positionné pour faciliter cette transition.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunité : Croissance du marché de la titrisation","accordion_item_copy":[{"type":"paragraph","text":"À mesure que les grandes institutions financières s’adaptent aux exigences de fonds propres, elles peuvent chercher à réduire l’exposition au risque dans leurs bilans. Cela pourrait impliquer la syndication du risque lié aux transactions, ou la titrisation de portefeuilles entiers pour les vendre à d’autres institutions. Dans ce marché dynamique, ceux qui font preuve d’approches innovantes génèrent des revenus substantiels.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : DORA","accordion_item_copy":[{"type":"paragraph","text":"En Europe, la réglementation DORA exige que les sociétés proposant des services financiers et les banques certifient que leurs fournisseurs de logiciels répondent à des attentes strictes en matière d’évolutivité, de fiabilité et de performance, ainsi qu’aux normes de gouvernance, risque et conformité (GRC) établies par les fournisseurs eux-mêmes. Grâce à ses processus GRC vérifiés ISO 27001 et SOC 1 et 2 supérieurs, ainsi qu’à sa plate-forme évolutive et sécurisée, Alfa permet aux institutions financières de répondre à leurs exigences DORA en toute confiance.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Défi : Concurrence","accordion_item_copy":[{"type":"paragraph","text":"Lorsque les temps sont plus difficiles et que les produits deviennent plus homogènes, les sociétés financières sont obligées de rivaliser pour des parts de marché en fonction des prix, de la vitesse ou de ces deux éléments. La demande de systèmes à haute performance basés sur la technologie et l’architecture modernes en est accrue. En investissant continuellement dans leurs normes de performance de base, Alfa et Alfa Systems continuent de montrer la voie à suivre sur le marché.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$1eee65b4-8457-4c0c-9c7a-c45af1ecd84f","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demander une démonstration","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Poser une question","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Contact","title":[{"type":"heading2","text":"En savoir plus","spans":[]}]},"id":"action_banner$55d56a15-3fc3-41f9-b52a-c277a4426827","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwUxfRAAACMA-ctH","uid":"de-scalability","url":"/en-ap/product/article/de-scalability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwUxfRAAACMA-ctH%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-18T18:37:41+0000","last_publication_date":"2024-10-18T18:37:41+0000","slugs":["alfa-systems-6-basiert-auf-sechs-saulen-und-unterstutzt-finanzdienstleister-dabei-die-gro%C3%9Fen-herausforderungen-zu-meistern-und-die-lukrativen-chancen-zu-nutzen-die-sich-ihnen-bieten."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwUxqhAAACIA-cuK","type":"product","lang":"en-us","uid":"de-scalability"},{"id":"ZwUoChAAACQA-bza","type":"product","lang":"en-eu","uid":"de-scalability"}],"data":{"product_type":"6 - DE","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshrVsGrYSwP_O_Transition_4th_Release2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshrVsGrYSwP_O","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Scalability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/6de2ee72-105b-4e26-8e2d-9f8bf618633c_04_Scalability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKvhUAACUAhGLm","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Säule 4: Skalierbarkeit","subheading":"Wirklich immer verfügbarer, finanziell kohärenter Betrieb – ohne Einschränkungen.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Alfa Systems 6 basiert auf sechs Säulen und unterstützt Finanzdienstleister dabei, die großen Herausforderungen zu meistern und die lukrativen Chancen zu nutzen, die sich ihnen bieten.","spans":[],"direction":"ltr"}]},"id":"rich_text$2e191f70-65e6-4e63-ae93-3d4766b3e9e0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Warum Skalierbarkeit?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Dank Skalierbarkeit bietet Alfa Systems 6 modernste Funktionen für Anbieter, die ihr Geschäft flexibel und rasch ausbauen möchten.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8SEaI3ufuUQLT_Scalability_tile.png?auto=compress,format\u0026rect=0,1,549,549\u0026w=150\u0026h=150","alt":"scalability icon","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8SEaI3ufuUQLT","edit":{"x":0,"y":0,"zoom":0.273224043715847,"background":"#fff"}},{"type":"paragraph","text":"Das gilt für Anbieter, die auf ihren derzeitigen Märkten wachsen wollen, und für Unternehmen, die in neue Regionen und Geschäftsbereiche vorstoßen, dabei aber ein hohes Maß an Flexibilität bei möglichst geringem Kapitalaufwand wahren müssen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Auf dem Fundament der stabilen, leistungsfähigen Plattform von Alfa Systems haben die langfristigen Investitionen von Alfa die Säule der Skalierbarkeit geschaffen, die Finanzdienstleister mit allem ausstattet, was sie benötigen, um:","spans":[{"start":137,"end":151,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Ressourcenausgaben zu optimieren und flexibel zu gestalten: Das anpassungsfähige Ressourcenmodell der Alfa Cloud bietet automatisierte Bereitstellungen, Serverless-Datenbanken und SOC1-zertifizierte Prozesse – ganz nach Bedarf.","spans":[{"start":0,"end":58,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Neue Portfolios einzubinden: Mithilfe leistungsstarker neuer Tools lassen sich erworbene Portfolios schnell und problemlos auf Alfa Systems 6 übertragen.","spans":[{"start":0,"end":27,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"In neue Märkte zu expandieren: Durch Geschäftsregeln und fortschrittliches Konfigurationsmanagement bietet Alfa Systems 6 die Möglichkeit, Abläufe flexibel und schnell einzuführen. Sie können dieselbe Konfiguration in mehreren Ländern oder als Ausgangspunkt für die Einführung in neuen Regionen oder Geschäftsbereichen verwenden.","spans":[{"start":0,"end":29,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Einen echten Rund-um-die-Uhr-Betrieb zu nutzen: Neue „Rolling Close“-Funktionen sorgen für einen unterbrechungsfreien Betrieb rund um die Uhr und eine herausragende Leistung – ein Novum auf dem Markt. Portfolios werden nahtlos und ohne Ausfallzeiten auf den nächsten Tag übertragen, sodass für alle Vorgänge (nicht nur für die Angebotserstellung) stets ein digitaler Self-Service zur Verfügung steht.","spans":[{"start":0,"end":46,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Mehr über Skalierbarkeit in Alfa Systems 6:","spans":[{"start":10,"end":42,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$57348e93-2f58-4cc9-a981-b451dbf89415","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"vimeo_video_id":"944135319","video_caption":[{"type":"paragraph","text":"Skalierbarkeit in Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$41197a34-9602-4fd8-a1a2-98856b3acd0c","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Mit Skalierbarkeit, der vierten Säule von Alfa Systems 6, können Finanzdienstleister effizient und zuversichtlich für Erweiterungen ihres Geschäftsbetriebs planen, ohne sich Gedanken über steigende Kapitalausgaben machen zu müssen. So können sie Skaleneffekte nutzen und das Risiko einer höheren Kostenbasis vermindern.","spans":[],"direction":"ltr"}],"author":"Emily Hammond, Head of Product"},"id":"article_quote$52314dad-6b9e-43ef-a807-bf70754cac83","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Einführung von Skalierbarkeit in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Das Umfeld für Finanzdienstleister war in den letzten Jahren nicht einfach. Eskalierende Kosten, ein Mangel an qualifizierten Fachkräften und zunehmende globale Vorschriften zwingen Finanzunternehmen, sich entweder aus Märkten zurückzuziehen oder ihre Aktivitäten zu erweitern, um Größenvorteile zu nutzen. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die verzögerte Umsetzung der höheren Eigenkapitalanforderungen nach Basel IV (auch bekannt als Basel 3.1 und Basel III Endgame) in Verbindung mit einigen aufsehenerregenden Bankzusammenbrüchen hat die Notwendigkeit unterstrichen, Risiken aus der Bilanz zu nehmen. Sie schreibt auch eine robustere Risikomessung und eine Differenzierung der Vermögensarten vor. Diese Situation stellt sowohl eine Chance als auch eine Bedrohung dar, und zwar in Form von Fusionen und Übernahmen, wobei größere Portfolios von etablierten Banken mit den erforderlichen optimierten Prozessen und Kontrollen konsolidiert werden könnten. Die Sieger werden diejenigen sein, die Technologie zur Skalierung nutzen und schnell und klug reagieren können.","spans":[],"direction":"ltr"}]},"id":"rich_text$ed06331b-99a1-4614-ae55-f7da6db66b68","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":894},"alt":"with the right technology model, you can scale your business with flexibility and speed","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju8jEMTzAJOCpBn_scalability_tech.png?auto=compress,format\u0026rect=0,0,1911,1068\u0026w=1600\u0026h=894","id":"Zju8jEMTzAJOCpBn","edit":{"x":0,"y":0,"zoom":0.837257980115123,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$f8c23005-5e51-4031-b1f0-a30c3f7b9443","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"In der Branche waren bereits zahlreiche Konsolidierungen zu verzeichnen, sowohl bei der Betreuung als auch beim Eigentum an den Portfolios. Um diese erweiterten, potenziell globalen Portfolios effizient zu verwalten – und sicherzustellen, dass sie von Größenvorteilen profitieren können – benötigen Finanzdienstleister:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Rund-um-die-Uhr-Betrieb, stets bereit und immer verfügbar","spans":[{"start":1,"end":23,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Eine schnelle, leistungsstarke Technologielandschaft mit einer höheren Basis und der Fähigkeit, zu skalieren, um Performanceanforderungen gerecht zu werden, wenn sie entstehen, und so nachhaltige Effizienz zu gewährleisten","spans":[{"start":0,"end":52,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Einfache, unkomplizierte Methoden zur Erweiterung ihres Portfolios innerhalb des aktuellen Systems (selbst mit unterschiedlichen Verfahren und Produkten)","spans":[{"start":0,"end":66,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$fc395813-d521-49c2-aea4-e2a104a44de2","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Cloud: Die cloudnative Hosting-Lösung – integraler Bestandteil von Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Cloud - die standardisierte, single tenant, cloudnative SaaS-Lösung – ist für Kunden konzipiert, die ihr Angebot sowohl dynamisch als auch nach Bedarf effizient skalieren wollen.","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}},{"start":0,"end":10,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Die Alfa Cloud ist ein Eckpfeiler jeder Implementierung von Alfa Systems, und es wurden erhebliche Investitionen in die Säule der Skalierbarkeit getätigt. Mit Spitzentechnologien und automatisierten Diensten können Kunden innovative Lösungen auf den Markt bringen und eine optimale Leistung gewährleisten – nicht nur im täglichen Betrieb, sondern auch in Stoßzeiten, wenn intensive Prozesse ablaufen.","spans":[],"direction":"ltr"}]},"id":"rich_text$0509c944-b39f-4aa4-a8ba-f5325fbb39d0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":514},"alt":"Alfa cloud logo","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=compress,format\u0026rect=0,0,11097,3565\u0026w=1600\u0026h=514","id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":0.14417952314165497,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$30dfec7e-046a-43cf-914f-06fb193f61f3","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Skalierbarkeit bringt wichtige neue Funktionen in der Alfa Cloud:","spans":[{"start":54,"end":64,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$9e9d06d9-ce0d-48c3-9797-a8fe08bf6d77","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Dynamische Datenbank-Autoskalierung","accordion_item_copy":[{"type":"paragraph","text":"Die Alfa Cloud nutzt die Leistung der Serverless-Technologien von AWS Aurora und führt eine dynamische Datenbank-Autoskalierung ein, um den traditionellen Ansatz geplanter Datenbank-Upgrades hinter sich zu lassen. Vorbei sind die Zeiten, in denen sich Unternehmen auf feste Datenbankgrößen festlegen mussten, um Bedarfsspitzen wie bei der Verarbeitung am Tagesende zu bewältigen. Mit Infrastructure-as-Code und Serverless-Clustern erfolgt die Datenbankskalierung automatisch nach Bedarf, was optimale Effizienz und Leistung gewährleistet. Ob Sie nun schnell 1.000 neue Händler aufnehmen oder eine beschleunigte Portfoliomigration durchführen wollen, die Alfa Cloud ist da, wo andere Lösungen nicht hinkommen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tests dieser neuen Technologien und des automatisierten Kapazitätsmanagements ergaben eine Verbesserung der Echtzeitleistung um das bis zu 3,3-Fache im Vergleich zu einem ähnlichen Portfolio, das in einem herkömmlichen Rechenzentrum eingesetzt wurde.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Anwendungsskalierung","accordion_item_copy":[{"type":"paragraph","text":"Die Integration von Technologien in anderen Bereichen (wie das auf dem Render-Framework basierende Compose, das servergesteuertes Rendering in unseren vorkonfigurierten Alfa Start Produkten oder Total Originations ermöglicht) befähigt die Alfa Cloud zur Unterstützung der Anwendungsskalierung. Diese Möglichkeit stellt sicher, dass unsere Kunden die Vorteile der dynamischen Skalierung nutzen – aufwärts, abwärts und über mehrere Server hinweg – und sich darauf verlassen können, dass wichtige Sitzungsinformationen erhalten bleiben.","spans":[{"start":99,"end":106,"type":"hyperlink","data":{"id":"ZW4M3REAACAAKRhv","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2023-12-05T13:09:33+0000","last_publication_date":"2024-10-01T18:00:52+0000","uid":"efficiency","url":"/en-ap/product/article/efficiency","link_type":"Document","isBroken":false}},{"start":169,"end":179,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}},{"start":195,"end":213,"type":"hyperlink","data":{"id":"ZZ_3_REAAFoAcHSq","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2024-01-16T11:18:23+0000","last_publication_date":"2024-10-01T17:57:34+0000","uid":"total-capability","url":"/en-ap/product/article/total-capability","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},{"accordion_item_label":"Variable Betriebskosten","accordion_item_copy":[{"type":"paragraph","text":"Mit der Alfa Cloud können unsere Kunden von starren Fixkostenstrukturen zu einem variablen Betriebskostenmodell (OpEx) übergehen – Kosten fallen nur dann an, wenn sie nötig sind. Dank strategischer Investitionen in Mitarbeiter und Prozesse – wie beispielsweise Zero-Touch-Patching-Verfahren – können unsere Kunden von Größenvorteilen profitieren und das Management-Know-how von Alfa Systems nutzen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Verarbeitung rund um die Uhr – mit Abschluss auf Entitätsebene","accordion_item_copy":[{"type":"paragraph","text":"Die fortlaufende Produktentwicklung von Alfa Systems bringt immer wieder neue Wege zutage, die es unseren Kunden ermöglichen, sowohl vertikal (nach Auftragsvolumen) als auch horizontal (über Regionen hinweg) zu skalieren. Durch unsere Investition in eine kontinuierliche Verarbeitung rund um die Uhr können unsere Kunden auf eine einzige, stets verfügbare, globale Anwendung* zugreifen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die höhere Effizienz eines gleitenden Abschlusses, der auf Entitätsebene verwaltet wird, bietet zahlreiche Vorteile. Neben der überragenden Leistungsfähigkeit und der geringeren Belastung der Datenbank ermöglicht dieser Ansatz einen ununterbrochenen 24-Stunden-Betrieb. Portfolios werden reibungslos und ohne Unterbrechung auf den nächsten Tag übertragen, wobei sowohl in der Benutzeroberfläche als auch über die Webdienste klare Signale gegeben werden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Das ermöglicht einen permanenten digitalen Self-Service für alle Vorgänge (nicht nur für die Angebotserstellung), den Zugriff auf einen Offshore-Kundendienst während des gesamten Arbeitstages sowie Vorgänge in mehreren Ländern, wobei jedes Land seinen eigenen gleitenden Abschlussprozess durchführt.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"* vorbehaltlich Einschränkungen der Datenhoheit","spans":[{"start":0,"end":47,"type":"em"}],"direction":"ltr"}]},{"accordion_item_label":"Eine einzige Anwendung für mehrere Länder","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems, bekannt für seine sich ständig weiterentwickelnde Flexibilität, ermöglicht einen äußerst effektiven Einsatz in mehreren Ländern oder Staaten, wobei unterschiedliche Vorschriften, Produkttypen, GAAP-Berichtsstandards und Betriebsabläufe berücksichtigt werden. Durch leistungsfähige Geschäftsregeln und Arbeitsabläufe sowie die Trennung von Parametern und den benutzerdefinierten Aufruf von externen Diensten, die von der Geschäftslogik gesteuert werden, wird sichergestellt, dass dieselbe Basisanwendung verschiedene Rechtssysteme bedienen kann.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$0ad11fee-75b5-40c0-94eb-62885f18d35d","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"Dank der dynamischen Datenbank- und Anwendungsskalierung der Alfa Cloud, der variablen Betriebskosten und des permanenten Betriebs lassen sich unterschiedliche Rechtssysteme bedienen und Skaleneffekte realisieren.","spans":[],"direction":"ltr"}]},"id":"text_banner$b567837b-bdd0-4706-b2a7-fb4b2d6c8502","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Skalierbarkeit: In Alfa Systems 6 weiter verbessert","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Skalierbarkeit in Alfa Systems 6: Wirklich immer verfügbarer, finanziell kohärenter Betrieb – ohne Einschränkungen.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Audit-as-a-Service","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa ist sehr stolz auf sein engagiertes Team und die robusten Verfahren, die es für die Bereitstellung einer sicheren, leistungsstarken gehosteten Anwendung unter Einhaltung strenger GRC-Prozesse (Governance, Risk und Compliance) eingerichtet hat. Dies sind die erforderlichen Standards für Softwaredienste, die das Rückgrat großer Finanzinstitute bilden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Unsere Teams für Informationssicherheit und Datenschutz sorgen für die Sicherheit der Daten und die Einhaltung der Compliance-Auflagen, sodass auch die strengsten Prüfer zufrieden gestellt werden. Alfa ist nach ISO 27001 und 27018 zertifiziert* und verfügt über SOC 1 Typ II- und SOC 2 Typ II**-Berichte, die von externen Prüfern erstellt werden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Um Transparenz zu schaffen und die Audit-Anforderungen unserer Kunden zu unterstützen, bieten wir über das Self-Service-Portal der Alfa Cloud SOC 2 Typ II-Berichte und vierteljährliche Zwischenberichte zum Download an. Zur Senkung der Kosten für interne und externe Prüfer können Kunden bei Bedarf einen SOC 1 Typ II-Bericht anfordern und so die Größenvorteile von Alfa nutzen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"* ISO 27001:2022; ISO 27018:2019","spans":[{"start":0,"end":32,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"** SSAE 18 SOC 2 Typ II; SOC 1 Typ II","spans":[{"start":0,"end":37,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$ee042ff9-2172-4885-939c-ac84e9cc1647","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":504},"alt":"minimize capex, forget downtime, maintain the edge, scale with confidence","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju-3EMTzAJOCpCW_scalability_do.png?auto=compress,format\u0026rect=0,0,1908,601\u0026w=1600\u0026h=504","id":"Zju-3EMTzAJOCpCW","edit":{"x":0,"y":0,"zoom":0.8386023294509152,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$2561f3bf-14f8-4c08-ac06-4dde12d2f9d0","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Neue Tools: Portfolio Load und Migration","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Obwohl die anfängliche Datenmigration normalerweise im Rahmen unserer Implementierungsprojekte durchgeführt wird, müssen die Kunden von Alfa oft aus verschiedenen Gründen umfangreiche Portfolios von Altsystemen übernehmen – etwa ein neues Banking-as-a-Service-Angebot für andere Finanzdienstleister, eine skalierte Migrationsstrategie von etablierten Systemen oder einfach eine Übernahme.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Auf der Grundlage ihres umfassenden Verständnisses der Kundenanforderungen haben die Berater von Alfa innovative Tools entwickelt, um diese Migrationsprozesse zu beschleunigen und zu automatisieren. Den Kunden stehen mehrere Optionen zur Verfügung, die auf verschiedene Produktarten, Portfoliogrößen und gewünschte Informationen und Verhaltensweisen auf Alfa Systems zugeschnitten sind.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Erfassung von Änderungsdaten mit Data Pipeline","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Nach beträchtlichen Investitionen zur Verbesserung der Daten- und Messaging-Skalierbarkeit für externe Systeme stellt Alfa das Modul Data Pipeline vor, das Funktionen zur Erfassung von Änderungsdaten (Change Data Capture, CDC) für den Operational Data Store (ODS) von Alfa Systems bietet.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Durch die Nutzung von Apache Kafka zur Bereitstellung einer ereignisgesteuerten API ermöglicht das Modul eine reibungslose Integration in die Datenpipelines unserer Kunden unter Verwendung eines Ereignis-Streaming-Musters. Dadurch können Kunden Datenströme effizient und nahezu in Echtzeit in ihre eigenen Datenspeicherlösungen einspeisen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Events werden in einem eigenen Topics pro ODS-Tabelle platziert, was die logische Gruppierung verwandter Daten und eine unabhängige Skalierung durch Themennutzer ermöglicht. Darüber hinaus unterstützen wir jetzt Kafka als Ziel für die Ereignisbenachrichtigungen von Alfa Systems und erleichtern damit die Kafka-basierte Nutzung als Integrationsmuster für hochgradig vernetzte Systeme, die in großem Maßstab arbeiten.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Leistung und Qualität","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mit der Zunahme des Anlagen- und Auftragsvolumens steigt auch die Nachfrage nach einer leistungsfähigen Infrastruktur sowie nach optimierten Tools und Verfahren. Damit soll sichergestellt werden, dass Leistungskriterien erfüllt und Rückschritte – sowohl bei funktionalen als auch bei nicht funktionalen Anforderungen, die sich aus neuen Bereitstellungen ergeben – minimiert werden. Alfa hat proaktiv in ein engagiertes Team investiert, um Tools, Infrastruktur und Prozesse zu verbessern, damit der wachsende Skalierungsbedarf gedeckt werden kann.","spans":[],"direction":"ltr"}]},"id":"rich_text$8aedbb61-58a1-48a5-b250-c212b3a11af0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Skalierbarkeit: Chancen und Herausforderungen angehen","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Mit Alfa Systems 6 können Sie Ihr Unternehmen umgestalten, neue Einnahmequellen erschließen und die Produktivität steigern.","spans":[],"direction":"ltr"}]},"id":"rich_text$bb8fb27e-5fb9-45ae-8006-ccb94d742b5a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Chance: Banking-as-a-Service-Anbieter","accordion_item_copy":[{"type":"paragraph","text":"Angesichts immer strengerer rechtlicher Anforderungen ist es für kleinere Finanzdienstleister zunehmend teurer, die erforderliche Software, die Ressourcen, die Prozesse und das Kapital zu unterhalten. Daraus ergibt sich für größere Anbieter die Möglichkeit, die Effizienz ihrer Plattformen zu monetarisieren und Größenvorteile zu nutzen, indem sie zusätzliche Portfolios betreuen oder erwerben. Mit seinen optimierten Funktionen zum Hochladen und zur Migration von Portfolios in Verbindung mit automatisierten und flexiblen Workflow-Prozessen ist Alfa gut aufgestellt, um diesen Übergang zu unterstützen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Wachstum auf dem Verbriefungsmarkt","accordion_item_copy":[{"type":"paragraph","text":"Da größere Finanzinstitute Kapitalauflagen zu erfüllen haben, könnten sie darum bemüht sein, das Risiko in ihren Bilanzen zu verringern. Das könnte die Syndizierung von Risiken aus Transaktionen oder die Verbriefung ganzer Portfolios zum Weiterverkauf an andere Institute bedeuten. Auf diesem dynamischen Markt können Unternehmen, die innovative Ansätze verfolgen, beträchtliche Einnahmen erzielen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: DORA","accordion_item_copy":[{"type":"paragraph","text":"In Europa schreiben die DORA-Bestimmungen vor, dass Finanzdienstleister und Banken zertifizieren müssen, dass ihre Softwareanbieter die strengen Erwartungen an Skalierbarkeit, Zuverlässigkeit und Performance sowie die von den Anbietern selbst festgelegten GRC-Standards (Governance, Risk und Compliance) erfüllen. Mit seinen überlegenen, nach ISO 27001 und SOC 1 und 2 geprüften GRC-Prozessen sowie seiner skalierbaren, sicheren Plattform kann Alfa Finanzinstitute dabei unterstützen, ihre DORA-Anforderungen vertrauensvoll zu erfüllen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Wettbewerb","accordion_item_copy":[{"type":"paragraph","text":"Wenn die Zeiten schwieriger und die Produkte homogener werden, sind Finanzinstitute gezwungen, über Preis, Geschwindigkeit oder beides um Marktanteile zu kämpfen. Dadurch steigt die Nachfrage nach besonders leistungsstarken Systemen, die auf moderner Technologie und Architektur basieren. Dank kontinuierlicher Investitionen in ihre grundlegenden Leistungsstandards sind Alfa und Alfa Systems weiterhin führend auf dem Markt.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$1eee65b4-8457-4c0c-9c7a-c45af1ecd84f","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demo anfordern","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Anfrage stellen","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Kontakt","title":[{"type":"heading2","text":"Mehr entdecken","spans":[],"direction":"ltr"}]},"id":"action_banner$f456c72f-30f0-418f-babd-f2f2f29abccd","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwUx9hAAACMA-cwA","uid":"de-intelligent-automation","url":"/en-ap/product/article/de-intelligent-automation","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwUx9hAAACMA-cwA%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-18T18:37:23+0000","last_publication_date":"2024-10-18T18:37:23+0000","slugs":["alfa-systems-6-basiert-auf-sechs-saulen-und-unterstutzt-finanzdienstleister-dabei-die-gro%C3%9Fen-herausforderungen-zu-meistern-und-die-lukrativen-chancen-zu-nutzen-die-sich-ihnen-bieten."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwUyERAAACUA-cwt","type":"product","lang":"en-us","uid":"de-intelligent-automation"},{"id":"ZwUrmRAAACIA-cJP","type":"product","lang":"en-eu","uid":"de-intelligent-automation"}],"data":{"product_type":"6 - DE","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zvwsh7VsGrYSwP_P_Transition_5th_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"Zvwsh7VsGrYSwP_P","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Intelligent Automation icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/d9fa4d71-c6d6-4702-80a1-3dd368d8c677_06_Intelligent+Automation+Flat.png?auto=format%2Ccompress\u0026rect=0%2C0%2C80%2C80\u0026w=128\u0026h=128","id":"ZaVK7xUAACUAhGM0","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"label":"Alfa Systems 6","title":"Säule 5: Intelligente Automatisierung","subheading":"Systematisierte Entscheidungsfindung durch KI und regelbasierte Workflows.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Alfa Systems 6 basiert auf sechs Säulen und unterstützt Finanzdienstleister dabei, die großen Herausforderungen zu meistern und die lukrativen Chancen zu nutzen, die sich ihnen bieten.","spans":[],"direction":"ltr"}]},"id":"rich_text$348b98c2-b558-44b9-8318-64dc8b509ba9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Warum intelligente Automatisierung?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die intelligente Automatisierung in Alfa Systems 6 nutzt modernste kognitive Technologien, einschließlich prädiktiver Modelle, um unsere Kunden in die Lage zu versetzen, durch eine Vielzahl intelligenter, automatisierter Entscheidungshilfen Effizienzsteigerungen zu erzielen.","spans":[{"start":0,"end":50,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8RkaI3ufuUQLR_Intelligent_Automation_tile.png?auto=format%2Ccompress\u0026w=150\u0026h=150","alt":"Intelligent automation tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8RkaI3ufuUQLR","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Intelligente Automatisierung stattet Alfa Systems und seine Kunden mit Lösungen aus, die echte Funktionalität und echten Wert bieten und Folgendes erreichen sollen:","spans":[{"start":0,"end":28,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Automatisierung sämtlicher Prozesse: Alfa-Kunden haben die Möglichkeit, ihre Prozesse in dem Maß zu automatisieren, wie es ihrem Geschäft entspricht. Entscheidungsbäume und verschachtelte Regelsätze, die durch automatisierte Workflows, Geschäftsregeln und APIs ausgelöst werden, ermöglichen ein heuristikgesteuertes intelligentes Erlebnis an gängigen Kundenkontaktpunkten.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Einbindung und Weiterbildung der Mitarbeiter: AskThea, der KI-Chatbot für den Support und die Beratung zu Alfa Systems, bietet Nutzern, die nach Antworten, verfügbaren Funktionen und möglichen Lösungen suchen, sofortige Einblicke.","spans":[{"start":0,"end":44,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Einführung neuer Produkte und Verfahren: Mit AskThea können Spezialisten für Business Change schnell die Dokumentation von Alfa Systems konsultieren, um Arbeitsabläufe und andere Konfigurationsänderungen zu erfassen, die für die Implementierung neuer Prozesse erforderlich sind, was zu mehr Flexibilität und Leistungsfähigkeit führt.","spans":[{"start":0,"end":39,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Verständnis und Verringerung des Kreditrisikos in Portfolios: Alfa Decisioning, eine brandneue Kreditentscheidungs-Engine, wird mit der bewährten Erfahrung von Alfa iQ's im Bereich der prädiktiven KI zur dynamischen Optimierung des Kredit-Underwritings mit kundenspezifischen Modellen kombiniert.","spans":[{"start":0,"end":60,"type":"strong"},{"start":160,"end":167,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Intelligente Automatisierung in Aktion:","spans":[{"start":0,"end":28,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$d403d150-c54b-401f-976c-7f4dfefbc931","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"988936712","video_caption":[{"type":"paragraph","text":"Intelligente Automatisierung in Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$97a1adbd-cd37-4ec2-924d-61e9bad9cd12","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"Asset-Finance-Anbieter stellen immer höhere Anforderungen an ihre Technologielieferanten und -abteilungen; die vollständige Automatisierung grundlegender Prozesse ist heute selbstverständlich. Durch die Integration modernster KI und die Automatisierung komplexer Prozesse können wir diese Erwartungen mit intelligenter Automatisierung übertreffen. Mithilfe innovativer Tools wie AskThea und Alfa Decisioning können unsere Kunden intelligentere Entscheidungen treffen, eine außergewöhnliche Effizienz erreichen und in einem wettbewerbsorientierten, sich ständig weiterentwickelnden Markt die Nase vorn haben.","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, Chief Technology Officer, Alfa"},"id":"article_quote$8f2d2df5-8293-436b-af01-6fd4545ea800","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Intelligente Automatisierung in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Angesichts des Hype um KI stellen Unternehmen immer höhere Erwartungen an ihre Technologielieferanten und -abteilungen. Die vollständige Automatisierung grundlegender „Green Path“-Prozesse ist mittlerweile selbstverständlich, und der Begriff „manuelles Eingreifen“ grenzt an ein Schimpfwort.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Die Erwartungen sind hoch, nicht nur in Bezug auf die Automatisierung betrieblicher Abläufe, sondern auch hinsichtlich Effizienzsteigerungen im Rahmen von Projekten zur Technologieimplementierung sowie gesünderer finanzieller Ergebnisse – und das alles auf der Grundlage überlegener, ständig lernender, regelbasierter Intelligenz.","spans":[],"direction":"ltr"}]},"id":"rich_text$4726df20-192a-406e-a684-79cc6277d59e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":587},"alt":"Decisioning with pluggable API","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zp_h5h5LeNNTxbsE_Intelligent-Automation-pluggable-AI.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5016%2C1840\u0026w=1600\u0026h=587","id":"Zp_h5h5LeNNTxbsE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$50ae8a91-78ab-492b-be15-19ca4ff5a44d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Auf der anderen Seite kommen die meisten kundenorientierten KI-Anwendungen in unserer Branche nur langsam auf den Markt, wenn man bedenkt, dass Datenverantwortung, Datenqualität, Prüfbarkeit sowie ethische und sicherheitsrelevante Aspekte berücksichtigt werden müssen. Diese Befürchtungen sind berechtigt, und die Vorreiter schenken ihnen möglicherweise nicht genügend Beachtung.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Darüber hinaus – und insbesondere bei intelligenten Modellen, die sich auf Inputs von den Finanzmärkten stützen – trifft das Sprichwort „Wenn man die Zukunft sehen will, muss man die Vergangenheit kennen“ in diesem Zusammenhang nicht zu. Systemische Veränderungen durch Corona, Inflation und plötzliche Zinserhöhungen legen den Schluss nahe, dass subjektive Entscheidungen bessere Ergebnisse hervorbringen können als Modelle, die auf neueren Daten basieren.","spans":[],"direction":"ltr"},{"type":"image","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZmsO8Zm069VX1uc2_Alfa_iQ_logo_colour.svg?auto=compress,format","alt":"alfa iq logo","copyright":null,"dimensions":{"width":947,"height":446},"id":"ZmsO8Zm069VX1uc2","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Mit dieser Dynamik im Hinterkopf hat Alfa für die Intelligente Automatisierung die Erfahrungen, Kompetenzen und Modellkenntnisse genutzt, die unser etablierter KI-Service Alfa iQ seit seiner frühen Markteinführung im Jahr 2020 entwickelt hat. Dadurch können wir fortschrittliche Tools integrieren, die unseren Kunden erhebliche Vorteile bringen:","spans":[{"start":50,"end":78,"type":"em"},{"start":171,"end":178,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"list-item","text":"Automatisierte, überprüfbare, regelbasierte Workflows bieten Vorteile, die mit KI-Entscheidungen vergleichbar sind, unseren Kunden aber ein größeres Maß an Kontrolle und Erklärbarkeit ermöglichen.","spans":[{"start":0,"end":53,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"AskThea ist ein KI-Chatbot für den Support und die Beratung zu Alfa Systems und bietet sofortige Einblicke zur Produktunterstützung.","spans":[{"start":0,"end":8,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Alfa Decisioning ist eine regelbasierte Kreditentscheidungs-Engine mit KI-Modellintegration, die ein Kredit-Underwriting der nächsten Generation mit kundenspezifischen Modellen bereitstellt.","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$2229689b-c6d0-4fbc-86a6-1313e4f97c13","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Rationalisierung und Skalierung der Entscheidungsfindung in Ihrem Unternehmen","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Entwickeln Sie ein Verständnis des Kreditrisikos in Ihrem Portfolio, vereinfachen Sie Prozesse, setzen Sie Ressourcen frei und verbessern Sie die betriebliche Effizienz.","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. Verbesserte regelbasierte Abläufe","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Von komplexen Regeln für die Preisgestaltung über bedingtes Underwriting bis hin zur Bearbeitung von Unstimmigkeiten in Dokumenten und der Umsetzung der „besten Maßnahme“ bei Vertragsbeendigung bietet Alfa Systems zahlreiche automatisierte Workflows, die auf komplexen Entscheidungen basieren. Alfa entwickelt diese Funktionalität ständig weiter, sodass neue Parameter oder Entitäten in die Entscheidungsregeln einfließen können und neue Paradigmen zur Auslösung von Aktionen hinzugefügt werden.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5R5LeNNTxbsD_Intelligent-Automation-rules-based-workflows.png?auto=format%2Ccompress\u0026rect=3%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Rules-based workflow tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5R5LeNNTxbsD","edit":{"x":3,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Ein Beispiel für die zahlreichen Verbesserungen, die wir in Alfa Systems 6 vorgenommen haben, ist die Möglichkeit, die tatsächliche Nutzung (im Vergleich zur vertraglich geschätzten Nutzung) als Auslöser für regelbasierte Entscheidungen über eine vorzeitige Beendigung oder eine Verlängerung des Vertragsendes zu verwenden, wodurch komplexe Berechnungen von Bedingungen möglich werden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Obwohl Alfa den Einsatz von prädiktiver KI in Workflows eingehend prüft, stellen die derzeit durch ein Netzwerk von Geschäftsregeln erzielten Ergebnisse eine intelligente Automatisierung dar und sind hocheffektiv. Ein wesentlicher Vorteil dieses Ansatzes besteht darin, dass die Nutzer von Alfa Systems von der Benutzeroberfläche aus den vollständigen Prüfpfad der Daten und Entscheidungen, die zum Auslösen eines bestimmten Ergebnisses geführt haben, leicht nachvollziehen können. Das ermöglicht eine größere Bandbreite an Anwendungsfällen, die für die Automatisierung infrage kommen.","spans":[],"direction":"ltr"},{"type":"heading3","text":"2. AskThea","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea ist ein von den Alfa-Innovatoren entwickelter und von bewährten generativen KI-Diensten unterstützter Chatbot, der anhand der Dokumentenbibliotheken von Alfa Systems trainiert wurde und unmittelbare Erkenntnisse liefert.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_mHh5LeNNTxbta_Intelligent-Automation-AskThea.png?auto=format%2Ccompress\u0026rect=0%2C1%2C839%2C559\u0026w=150\u0026h=100","alt":"AskThea logo","copyright":null,"dimensions":{"width":150,"height":100},"id":"Zp_mHh5LeNNTxbta","edit":{"x":0,"y":1,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Mit AskThea können Nutzer von Alfa Systems – einschließlich Administratoren, Integrationsentwickler, Support, Änderungsmanagement und Schulung – die in Alfa Systems bereitgestellten Funktionen besser verstehen und erhalten sofortige Antworten darauf, wie neue geschäftliche oder technische Anforderungen am besten erfüllt werden können.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea ist stark erweiterbar, sodass neben den Alfa-Bibliotheken eine Vielzahl von Ressourcen integriert werden kann. Von administrativen Aufgaben wie kundenspezifischer Konfigurationshilfe und API-Anleitung bis hin zur Unterstützung der Nutzer bei Schulungen und Kundenverfahren – AskThea entwickelt sich ständig weiter und wird immer nützlicher.","spans":[],"direction":"ltr"},{"type":"heading3","text":"3. Alfa Decisioning","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Auf der Grundlage der außergewöhnlichen Underwriting-Kapazitäten von Alfa Systems ist Alfa Decisioning eine Kreditentscheidungs-Engine der nächsten Generation, die mit einem modularen KI-Modell erweitert werden kann.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5B5LeNNTxbsC_Intelligent-Automation-Alfa_Decisioning.png?auto=format%2Ccompress\u0026rect=0%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Alfa Decisioning tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5B5LeNNTxbsC","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Kunden von Alfa Systems können ihre eigenen Entscheidungsbäume und Scorecards erstellen, die auf den Erkenntnissen aus den End-to-End-Kundenlebenszyklusdaten aus dem Operational Data Store von Alfa Systems basieren. Die mit einem visuellen Drag-and-Drop-Editor erstellten Entscheidungsbäume werden von der Workflow-Engine von Alfa Systems aufgerufen und ermöglichen die vollständige Automatisierung eines zunehmenden Anteils von Underwriting-Entscheidungen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ausgehend von unserer Erfahrung bei der Implementierung von Rechnern für die Ausfallwahrscheinlichkeit mit Alfa iQ können diese entscheidungsbasierten Regeln durch ein maßgeschneidertes prädiktives KI-Modell weiter ergänzt werden. Durch die Integration von Kundendaten mit Erkenntnissen von Kreditauskunfteien und bisherigen Verhaltensweisen des Kunden bei Alfa Systems generiert das Modell eine Ausfallwahrscheinlichkeit als zusätzlichen Input für die Regel-Engine, wodurch das Risiko reduziert und potenziell neue Marktbereiche erschlossen werden können.","spans":[{"start":107,"end":114,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$2f40fa57-af09-4d3a-a059-63faf3c3e459","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Intelligente Automatisierung: Plan für die Zukunft","spans":[],"direction":"ltr"}]},"id":"rich_text$15506dde-47e5-4613-b07a-e56780b13fe0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Berichterstellung in natürlicher Sprache","accordion_item_copy":[{"type":"paragraph","text":"Der Operational Data Store (ODS) von Alfa Systems enthält eine Fülle von Informationen, die für Berichte und Analysen verwendet werden können. Allerdings können Aufgaben der Berichterstellung aufgrund des Umfangs der verfügbaren Daten für Geschäftsanwender mitunter entmutigend sein.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mithilfe entgegenkommender Tools zur Erstellung von Berichten können Nutzer die benötigten Informationen in natürlicher Sprache beschreiben und schnell auf ODS-Datenstrukturen zugreifen, ohne die Begriffe des Datenkatalogs kennen zu müssen – so können auch technisch nicht versierte Nutzer problemlos die benötigten Berichte erstellen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Kundenspezifische Produktdokumentation","accordion_item_copy":[{"type":"paragraph","text":"Die Kunden von Alfa Systems haben Zugang zu vielzähligen Konfigurationsoptionen, mit denen sie die Plattform an ihre eigenen Geschäftsanforderungen anpassen können. Durch den Einsatz von KI zur Bereitstellung von Konversation in natürlicher Sprache rund um diese Konfiguration können Administratoren besser verstehen, wie sich Änderungen auf Alfa Systems auswirken, und anschließend eine auf die jeweilige Version und Konfiguration zugeschnittene Dokumentation erstellen, die Nutzern einen besseren Einblick in die Funktionsweise der verschiedenen Features ermöglicht.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Da es immer einfacher wird, Kundendokumentation aus der Konfiguration zu generieren, ist ihre Erstellung immer weniger notwendig. Dennoch können Kunden über Verfahrenshandbücher, Schulungsunterlagen und andere Dokumentationsquellen verfügen, für die sie eine vollständig integrierte natürlichsprachliche Hilfeplattform bereitstellen möchten. Durch die Verwendung der Produktdokumentation von Alfa Systems zusammen mit einem interpretierten Verständnis der Kundenkonfiguration sowie der vom Kunden bereitgestellten Dokumentation bietet Alfa eine Selbsthilfe-Lösung aus einer Hand.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Verwaltung der Arbeitslast","accordion_item_copy":[{"type":"paragraph","text":"Durch die kontinuierliche Analyse von Fallbearbeitung, Arbeitslast des Bedienpersonals und saisonalen Einflüssen versucht Alfa, modernste prädiktive Analysen zu erstellen. Das ermöglicht eine intelligente Fallzuweisung, genaue SLA-Warnungen und tiefe Einblicke in den Umgang mit der Arbeitslast. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Anhand einer Vielzahl von Indikatoren – einschließlich prognostizierter Workflow-Pfade, Asset-Informationen und Profile von Drittanbietern – kann Alfa Systems die Dauer jedes Falls vorhersagen, potenzielle SLA-Verstöße ermitteln, eine angemessene Eskalation von Fällen sicherstellen und das Warteschlangenmanagement optimieren.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Effizienz bei der Entwicklung","accordion_item_copy":[{"type":"paragraph","text":"Für Entwickler sind KI-Tools mehr als nur einfache Code-Generierung – sie bieten eine große Bandbreite an Hilfsmitteln. Sie können dabei helfen, Lösungen zu erörtern und zu bewerten, den Code für eine bessere Performance zu optimieren und bestehende Projekte zu verstehen, um neue Lösungen besser zu integrieren. Mit intelligenter Entwicklerunterstützung können Teams in einem Bruchteil der Zeit effizienteren, sicheren und vollständig integrierten Code erstellen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Was unsere internen Prozesse betrifft, verwenden wir bei Alfa eine fortschrittliche Suite von Qualitäts-, Sicherheits- und Schwachstellenscan-Tools, um ein Endprodukt zu gewährleisten, das die Zuverlässigkeit, für die Alfa Systems bekannt ist, aufrechterhält. In Zukunft wollen wir diese Erkenntnisse mit Integrationsentwicklern teilen.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$9673686b-e7fa-4577-ae38-d8d604075537","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Intelligente Automatisierung: Chancen und Herausforderungen angehen","spans":[],"direction":"ltr"}]},"id":"rich_text$d07ca346-117f-406d-9725-b05c23066fcb","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Chance: Originierung – Reaktionsgeschwindigkeit","accordion_item_copy":[{"type":"paragraph","text":"Angesichts des schärferen Wettbewerbs ist es für Finanzgesellschaften von entscheidender Bedeutung, so schnell wie möglich eine erste Antwort auf ein möglichst breites Spektrum von Anfragen geben zu können. Bei einer angestrebten Automatisierungsrate von nahezu 80 % erfordert jede Steigerung eine intelligente Automatisierung, die auf einem komplexen und leicht aktualisierbaren Regelwerk beruht. KI könnte eine wichtige Rolle bei der Weiterentwicklung und Präzisierung dieser Regelwerke spielen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: Das Bedürfnis nach Flexibilität","accordion_item_copy":[{"type":"paragraph","text":"Finanzunternehmen müssen Markttrends voraus sein, ihre Geschäftsmodelle effizient anpassen und neue Technologien und Prozesse erproben. Technologie auf dem neuesten Stand zu halten und gleichzeitig die Kosten für Upgrades und Implementierung zu minimieren, ist enorm wichtig. Generative KI-Tools wie AskThea eignen sich ideal für diesen Zweck, da sie die Zugänglichkeit komplexer Produktdokumentationen für Endnutzer verbessern.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Die Herausforderung, qualifizierte und wertvolle Arbeitskräfte zu finden","accordion_item_copy":[{"type":"paragraph","text":"Auf der ganzen Welt ist es schwierig geworden, qualifizierte und kosteneffiziente Mitarbeiter zu finden und zu halten. Schätzungen zufolge kann großartige Technologie mit eingebetteter KI den Bedarf an einigen Ressourcen, die grundlegende Funktionen erfüllen, verringern. Realistischer betrachtet, kann KI Arbeitslasten umverteilen, geringwertige, wiederholbare Aufgaben automatisieren und so Ressourcen für höherwertige Tätigkeiten und die Generierung von Umsatz freisetzen, was die Arbeitszufriedenheit erhöht. Die automatisierten Workflows von Alfa sowie die Erprobung eines internen GPT und Copilot für Technologieprozesse können zur Eindämmung dieses Problems beitragen.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Kundenerwartungen","accordion_item_copy":[{"type":"paragraph","text":"Kunden erwarten mehr. Ein junger Vater erzählte vor Kurzem, wie er die Analysen seines Babyphons nutzt, um die Schlafgewohnheiten seines Babys zu verstehen, was einen Trend zu höheren Erwartungen widerspiegelt. Kunden verlangen heute effiziente, präzise und nahezu in Echtzeit erfolgende Antworten – etwas, das mit menschlichen, manuellen Prozessen nicht immer machbar ist. Automatisierte Workflows, die nach Möglichkeit Geschäftsregeln und natürlichsprachliche Modelle einbeziehen, unterstützen schnelle Antworten und sorgen gleichzeitig für ein hochwertiges Kundenerlebnis.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Herausforderung: Regulierung von KI","accordion_item_copy":[{"type":"paragraph","text":"Mit der rasanten Weiterentwicklung von KI, die immer weiter in sämtliche Unternehmen vordringt, ändern sich auch die geltenden Vorschriften und die Erwartungen an ihre Zuverlässigkeit. Während sich die Regulierungsbehörden um die Festlegung von Leitlinien und Regeln bemühen, um den fairen und gerechten Einsatz von KI zu gewährleisten, übersteigt das rasante Innovationstempo diese Maßnahmen häufig, weshalb Unternehmen eine tückische Kluft überwinden müssen.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa verfolgt zunächst, wo immer es möglich ist, einen „KI-als-lenkende-Hand“-Ansatz und unternimmt große Anstrengungen, um das Risiko für Einzelpersonen und Unternehmen zu minimieren. Wir arbeiten eng mit AWS und anderen Partnern zusammen, um Gesetzesänderungen zu verfolgen und sicherzustellen, dass sie in den Entwicklungsprozess einbezogen werden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Dank der Hauptunterscheidungsmerkmale von Alfa – hervorragende Mitarbeiter, Spitzentechnologie und erstklassige Bereitstellung – können Sie uns bei allen Aspekten der KI vertrauen, auch bei der Beratung zu deren Implementierung.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Chance: AI-as-a-Service","accordion_item_copy":[{"type":"paragraph","text":"Alfa verfügt über einen umfangreichen Erfahrungsschatz bei der Entwicklung eigener maßgeschneiderter KI-Lösungen. Dennoch wollen wir das Rad nicht neu erfinden, wenn wir Partnerbeziehungen nutzen können, um ein nahtlos integriertes KI-Erlebnis zu bieten. Von der Identitätsüberprüfung bis hin zur Erkennung und zum Verständnis von Dokumenten ist Alfa Systems durch eine breite Palette von APIs und Diensten auf künftige Anpassungen und Integration ausgerichtet.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mehr dazu erfahren Sie in der letzten Säule von Alfa Systems 6, Kollaboratives Ökosystem: Einfache Integration mit Marktinnovationen und über Alfas vertrauenswürdiges Partnernetzwerk.","spans":[{"start":64,"end":88,"type":"strong"}],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$612bfe5e-1bf1-486f-ab2b-a866a4829582","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Demo anfordern","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Anfrage stellen","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Kontakt","title":[{"type":"heading2","text":"Mehr entdecken","spans":[],"direction":"ltr"}]},"id":"action_banner$d64bdc72-d3b2-4b5a-a5eb-3bb723aacef9","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"Zl9WoBAAACYAKf1A","uid":"fr-soutenabilite","url":"/en-ap/product/article/fr-soutenabilite","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Zl9WoBAAACYAKf1A%22%29+%5D%5D","tags":[],"first_publication_date":"2024-06-04T18:02:10+0000","last_publication_date":"2024-10-18T18:53:19+0000","slugs":["fonde-sur-six-piliers-alfa-systems-6-aide-les-societes-proposant-des-services-financiers-a-surmonter-les-defis-majeurs-auxquels-elles-sont-confrontees-et-a-saisir-les-opportunites-qui-soffrent-a-elles."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Zl9WqBAAACMAKf1V","type":"product","lang":"en-us","uid":"fr-soutenabilite"},{"id":"ZkM_1RAAACkApkMb","type":"product","lang":"en-eu","uid":"fr-soutenabilite"}],"data":{"product_type":"6 - FR","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshbVsGrYSwP_M_Transition_3rd_Release_2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshbVsGrYSwP_M","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Sustainability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/dec7210f-757f-47d7-b26c-7cc53d4bf7ff_03_Sustainability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKqxUAACUAhGK-","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilier 3 : Soutenabilité","subheading":"Satisfaire les modèles économiques émergents guidés par les engagements « Net zéro » et les critères ESG.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fondé sur six piliers, Alfa Systems 6 aide les sociétés proposant des services financiers à surmonter les défis majeurs auxquels elles sont confrontées et à saisir les opportunités qui s’offrent à elles.","spans":[{"start":0,"end":203,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Pourquoi la soutenabilité ?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Le secteur du financement d’actifs vit une période de changements passionnants, guidés par des préoccupations et réglementations environnementales. En 2023, Alfa a annoncé la création d’une nouvelle fonctionnalité de déclaration Scope 3 pour aider ses clients à suivre et à déclarer les émissions de gaz à effet de serre de leur portefeuille. En 2024, Alfa Systems 6 vous permet d’atteindre la flexibilité nécessaire pour vous y retrouver parfaitement.","spans":[{"start":157,"end":236,"type":"hyperlink","data":{"id":"ZP8M-RIAAB4AkpJW","type":"product","tags":[],"lang":"en-ap","slug":"using-new-functionality-available-in-alfa-systems-providers-of-equipment-and-automotive-finance-can-now-track-and-report-on-their-operations-scope-3-greenhouse-gas-ghg-emissions.","first_publication_date":"2023-09-11T12:50:04+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"scope-3-emissions-reporting","url":"/en-ap/product/article/scope-3-emissions-reporting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfHVgEmNsf2sHjky_03_Sustainability_shadow.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"icon for sustainability, showing a hand holding a leaf","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZfHVgEmNsf2sHjky","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"Les entreprises étant obligées de définir des priorités dans leurs émissions et de se conformer à d’autres impératifs environnementaux, elles sont tenues non seulement de transformer leurs propres modèles économiques, mais aussi d’influencer ceux de leurs chaînes d’approvisionnement.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Si la direction à suivre est certaine, l’itinéraire est loin d’être connu. La flexibilité est donc cruciale tant pour les sociétés financières que pour leurs clients. Ils doivent pouvoir :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Développer et financer de nouveaux produits, rapidement ;","spans":[],"direction":"ltr"},{"type":"list-item","text":"Adopter les nouvelles technologies intégrées ;","spans":[],"direction":"ltr"},{"type":"list-item","text":"Explorer de nouvelles idées, en procédant par itération et en revenant sur leurs pas si nécessaire.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Outil en constante évolution qui se règle avec précision et efficacité pour répondre aux besoins qui sont les vôtres, Alfa Systems 6 vous aide à obtenir cette flexibilité.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"La soutenabilité dans Alfa Systems 6","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Alfa est très fière de ses références ESG, ainsi que de la diversité de ses collaborateurs et de sa clientèle.","spans":[{"start":0,"end":110,"type":"strong"}]},{"type":"paragraph","text":"Nos équipes travaillent en étroite collaboration avec nos clients pour comprendre l’évolution de leurs besoins en modèles économiques durables. Cette approche collaborative a permis de mettre au point des solutions performantes qui répondent parfaitement à leurs exigences.","spans":[]},{"type":"paragraph","text":"Dans Alfa Systems 6, la Soutenabilité possède des fonctionnalités qui répondent à vos objectifs environnementaux :","spans":[]},{"type":"list-item","text":"De nouvelles fonctionnalités de gestion de l’ensemble du cycle de vie des actifs, de leur création à leur fin de vie ;","spans":[]},{"type":"list-item","text":"Une prise en charge immédiate des activités d’abonnement ;","spans":[]},{"type":"list-item","text":"Tous les outils pour permettre votre offre de services XaaS (Anything As A Service).","spans":[]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"1. Une gestion améliorée du cycle de vie des actifs","spans":[]},{"type":"paragraph","text":"Alfa a le plaisir d’annoncer de nouvelles fonctionnalités de gestion de l’ensemble du cycle de vie des actifs, de leur création à leur fin de vie.","spans":[]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfiJ2w4qyfNhFxMu_AS6_Sustainability_CBM.png?auto=compress,format\u0026rect=3,0,1172,1172\u0026w=500\u0026h=500","alt":"A representation of the Circular Business Model, shown in five sections: Product-as-a-Service (Dynamic services without ownership), The Sharing Economy (Making use of resting assets), Circular Supply Chains (Using sustainable materials), Made for Longevity (Extending lifespans), Retrieve, Recycle, Refurbish (Reducing waste)\n","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfiJ2w4qyfNhFxMu","edit":{"x":-1,"y":0,"zoom":0.42662116040955633,"background":"#fff"}},{"type":"paragraph","text":"Partout dans le monde, les fournisseurs d’équipements se posent la même question : comment prolonger la durée de vie de nos produits et trouver de nouveaux marchés pour continuer à les utiliser ?","spans":[]},{"type":"paragraph","text":"Pour répondre à cette interrogation, leurs captives financières s’éloignent du modèle traditionnel de la location-vente, et préfèrent mettre en place des équipes et des process dédiés à la gestion des actifs tout au long de leur cycle de vie, qui maximisent l’utilisation des stocks et augmentent les bénéfices.","spans":[]},{"type":"paragraph","text":"Les actifs restitués à l’issue d’un premier contrat de location peuvent être maintenus en stock en vue d’une utilisation ultérieure, remis en état ou décomposés en sous-actifs pour être recyclés. Quel que soit le parcours de l’équipement, les sociétés de financement doivent suivre et comptabiliser tous les actifs, méticuleusement, tant dans le cadre d’une location que hors location. Cela signifie que le contrat cesse d’être central, au profit de l’actif lui-même qui devient la priorité.","spans":[]},{"type":"paragraph","text":"Pour répondre à ces obligations, Alfa a le plaisir d’annoncer de nouvelles fonctionnalités dans Alfa Systems 6 pour la gestion de l’ensemble du cycle de vie des actifs, de leur création à leur fin de vie. Et notamment :","spans":[]},{"type":"list-item","text":"La gestion des stocks pour réutilisation et mise au repos ;","spans":[]},{"type":"list-item","text":"Une deuxième et troisième vie de courte durée pour l’équipement ;","spans":[]},{"type":"list-item","text":"La rationalisation des processus de remise en état pour prolonger la durée de vie des produits.","spans":[]}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"2. Une plate-forme prête à traiter les abonnements","spans":[]},{"type":"paragraph","text":"Grâce à des investissements stratégiques dans les produits, Alfa Systems 6 peut prendre en charge les activités d’abonnement sans problème.","spans":[{"start":0,"end":139,"type":"strong"}]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfRubHYkiKrtlJtF_SubscriptionServicePack.png?auto=compress,format\u0026rect=39,0,1139,1139\u0026w=500\u0026h=500","alt":"diagram of the Subscripton Service Pack in Alfa Systems 6","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfRubHYkiKrtlJtF","edit":{"x":-17,"y":0,"zoom":0.43898156277436345,"background":"#fff"}},{"type":"paragraph","text":"Pour que leurs clients puissent accéder à des technologies de pointe à des prix compétitifs, les sociétés de financement d’actifs s’associent aux fournisseurs, ainsi qu’à d’autres sociétés de financement automobile ou d’équipement, pour offrir des services d’abonnement en plus du financement traditionnel.","spans":[]},{"type":"paragraph","text":"Forte de son expérience sur cette association, Alfa peut offrir une gamme de services et de modèles qui soulignent la nécessité de solutions véritablement flexibles. Au-delà d’options basiques telles que les sièges chauffants, les clients peuvent choisir entre des abonnements en location ou hors location, avec des structures de facturation à l’usage ou périodiques.","spans":[]},{"type":"paragraph","text":"Cette technologie s’étend aux abonnements logiciels ciblés qui optimisent l’utilisation de l’équipement ou fournissent des modules complémentaires à la demande pour davantage de puissance.","spans":[]}]},"id":"rich_text$321825f8-da74-40c3-877b-612a64055977","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Dans tous les secteurs et sur tous les marchés, le financement d’actifs donne lieu à une utilisation croissante de modèles de vente par abonnement. La flexibilité devient impérative à mesure que la propension au crédit-bail et à la propriété flexible augmente, que ce soit sous forme de paiement pour du transport à la demande, de services groupés dans les flottes d’entreprises ou de fonctionnalités permises par les nouvelles technologies de véhicules.","spans":[]}],"author":"KPMG"},"id":"article_quote$3af6a666-d96d-483b-bdcc-7291049e4284","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Grâce à son investissement stratégique dans des produits au cours des dernières années, Alfa apporte une réponse fiable au besoin émanant de ces nouveaux services. Capable de prendre en charge un service à l’usage qui aille au-delà de la durée du bail, ou un abonnement couvrant un portefeuille entier (à facturation périodique), Alfa Systems 6 est prêt à s’adapter à votre offre d’abonnements.","spans":[]}]},"id":"rich_text$169819ec-8b2e-4d2a-b5d0-680681a182ab","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"3. Le XaaS : un service tout-en-un","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 possède tous les outils pour faciliter votre offre XaaS.","spans":[{"start":0,"end":71,"type":"strong"}]},{"type":"paragraph","text":"Avec la hausse des taux d’intérêt et une moindre appétence pour le risque, en particulier envers les technologies émergentes, les entreprises préfèrent les projets de dépenses d’exploitation (OpEx) aux investissements de dépenses d’immobilisations (CapEx) et se tournent vers les modèles de services XaaS pour acquérir des équipements.","spans":[]}]},"id":"rich_text$3d6f9e7f-71be-40bb-8615-db5e7a93c505","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Les entreprises des secteurs de la mobilité, de la construction, de l’industrie et de la machinerie cherchent des moyens d’augmenter leur retour sur investissement et s’éloignent de l’achat de machines car, du point de vue commercial, la possession de l’actif a moins d’intérêt. La valeur n’est n’étant plus liée à la possession, on adopte des modèles d’OpEx pour débloquer l’argent auparavant réservé aux achats de CapEx. On constate une plus grande propension à choisir le crédit-bail, les abonnements aux machines, le paiement au résultat et l’équipement en tant que service, tels que des modèles de batteries proposées sous forme de service.","spans":[]}],"author":"KPMG"},"id":"article_quote$3f61d883-f730-4f9b-aeab-9c5bd2541164","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Le XaaS peut englober des actifs de courte ou longue durée, des services complémentaires et une facturation à l’usage. 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Les entreprises manufacturières ont pris l’habitude de se fier uniquement à leurs fournisseurs d’énergie, dans l’espoir qu’ils s’approvisionnent à des sources plus écologiques.","spans":[]},{"type":"paragraph","text":"Mais face à l’obligation toujours plus impérieuse de réduire leur empreinte carbone (émissions Scope 1), les industriels ont maintenant les moyens de prendre le contrôle de leurs sources d’énergie. Cela ouvre la porte à des possibilités très intéressantes, et en particulier :","spans":[]},{"type":"list-item","text":"La production d’énergies renouvelables sur place : les entreprises peuvent installer des panneaux solaires et des éoliennes à demeure, ainsi que des moteurs de cogénération. Ces systèmes peuvent être loués par l’intermédiaire de sociétés de financement, en plus de services complémentaires tels que l’assurance et la maintenance, couvrant ainsi une partie importante de leurs besoins énergétiques ;","spans":[{"start":0,"end":48,"type":"strong"}]},{"type":"list-item","text":"L’achat flexible : la production sur site pouvant ne pas répondre à tous les besoins énergétiques, les industriels peuvent toujours la compléter auprès de leurs fournisseurs d’énergie. La facturation à l’usage garantit un paiement à l’utilisation avec un tarif mensuel minimum. 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Par le dialogue, nos groupes d’utilisateurs et au travers d’initiatives de leadership, nous affinons et enrichissons continuellement ces outils, et nous veillons à ce qu’ils coïncident avec les besoins changeants de certaines des plus importantes sociétés mondiales de financement automobile.","spans":[]}]}],"primary":{},"id":"article_accordion$26beedff-51c3-4446-8123-0ddaec34c1e2","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"La Soutenabilité : défis à relever et opportunités","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 peut transformer votre entreprise, lui apporter de nouvelles sources de revenus et améliorer sa productivité.","spans":[{"start":0,"end":124,"type":"strong"}]}]},"id":"rich_text$4a6eeafb-187f-47cb-9e07-7ce9b5d5a347","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunité : nouvelles technologies et nouveaux marchés","accordion_item_copy":[{"type":"paragraph","text":"Les nouvelles réglementations apportent de nouvelles opportunités. 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In an age of data lakes and APIs, a provider's choice in deploying multiple systems has never been greater.","spans":[]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/42949070-2aeb-4e7b-9c69-1bc0e24a6e57_02_Total+Capability.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"Total Capability icon tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZalaSxAAACEAvL0J","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"However, carried out inefficiently - for example, leveraging distinct software platforms for different business lines or processes - can still attract significant cost and effort. 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","spans":[{"start":0,"end":311,"type":"strong"}]},{"type":"paragraph","text":"Alfa has responded to changing market requirements, as well as customer feedback, by expanding the functionality of our Originations product to be the premium solution to occupy a place at the heart of your business, allowing you to operate a single system that incorporates our powerful Originations, Servicing and Collections capabilities.","spans":[]},{"type":"paragraph","text":"Watch Total Originations in action:","spans":[{"start":6,"end":24,"type":"strong"}]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"903237123","video_caption":[{"type":"paragraph","text":"Total Originations in Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Total capability, across the entire originations journey and beyond.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa’s best-in-class originations functionality is already established with a string of notable brands with international footprints. 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While already comprehensive in originations, more in-depth scrutiny is now being applied to regular supplier and dealer checks, contract amendments and collections - as well as for feedback into data analysis. But what is the new normal? And how can data from Covid - with its artificial liquidity - and zero-interest rate environments help, in this era of uncertainty? Flexibility - both in configuration and of visibility - is key. Meanwhile, there is growing pressure to be…","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunity: Always on, and always connected","accordion_item_copy":[{"type":"paragraph","text":"Digital solutions with instant connectivity to both customer and broker mean customers demand 24/7 servicing power, in a world where scale is no longer an excuse. Cloud-native, extensible technology, with flexible and configurable product structures, is enabling scale as and when it is needed. Which in itself requires a focus on…","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunity: Automation, efficiency and extensibility","accordion_item_copy":[{"type":"paragraph","text":"Investment in core architecture must be balanced alongside enticing new features. While nimble start-ups offer niche functionality and add-ons, only easy-to-operate, no-code integration platforms provide the speed and flexibility to capitalise on them. Meanwhile, the core platform is allowed to drive and orchestrate the ecosystem. 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In 2023, Alfa announced new Scope 3 reporting functionality to help its customers track and report their portfolios' Scope 3 greenhouse gas (GHG) emissions. Now in 2024, Alfa Systems 6 helps you achieve the flexibility required to navigate this journey completely.","spans":[{"start":135,"end":180,"type":"hyperlink","data":{"id":"ZQRT4xIAACMAo3jC","type":"article","tags":[],"lang":"en-ap","slug":"alfa-announces-free-scope-3-emissions-reporting","first_publication_date":"2023-09-15T12:53:57+0000","last_publication_date":"2023-09-15T13:07:19+0000","uid":"alfa-announces-free-scope-3-emissions-reporting","url":"/en-ap/news-and-insights/alfa-announces-free-scope-3-emissions-reporting","link_type":"Document","isBroken":false}}]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfHVgEmNsf2sHjky_03_Sustainability_shadow.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"icon for sustainability, showing a hand holding a leaf","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZfHVgEmNsf2sHjky","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"With corporations compelled to prioritise their emissions and comply with other environmental imperatives, they are required not only to transform their own business models, but also to influence those of their supply chains.","spans":[]},{"type":"paragraph","text":"Although the direction of travel is certain, the route is far from known. Flexibility is therefore crucial for both finance companies and their customers. They need to be able to:","spans":[]},{"type":"list-item","text":"Develop and finance new products, quickly","spans":[]},{"type":"list-item","text":"Embrace emerging integrated technologies","spans":[]},{"type":"list-item","text":"Explore fresh ideas, iterating and backtracking as necessary","spans":[]},{"type":"paragraph","text":"As continually evolving technology that can be finely and efficiently tuned to meet your unique needs, Alfa Systems 6 helps you achieve such flexibility.","spans":[]}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Introducing Sustainability\nin Alfa Systems 6","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Alfa takes great pride in its ESG credentials, as well as the diversity of its people and customer base.","spans":[{"start":0,"end":104,"type":"strong"}]},{"type":"paragraph","text":"Our teams work closely with our customers to understand their evolving needs around sustainable business models. This collaborative approach has led to the development of powerful solutions that meet their requirements emphatically.","spans":[]}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":198},"alt":"banner promoting sustainability in Alfa Systems 6","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfMgb7TwE6aM1J8o_20240313_AS6_AFI_BannerSustainability_728x90px_v2.gif?auto=compress,format\u0026rect=0,0,727,90\u0026w=1600\u0026h=198","id":"ZfMgb7TwE6aM1J8o","edit":{"x":-1,"y":0,"zoom":2.2,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$215af159-ace2-4cc3-9387-61069431f74d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Sustainability in Alfa Systems 6 is equipped to address your sustainability goals:","spans":[]},{"type":"list-item","text":"New capabilities for managing the entire asset lifecycle, from origination to end-of-life","spans":[]},{"type":"list-item","text":"Readily available to support subscription business","spans":[]},{"type":"list-item","text":"Fully equipped to facilitate your XaaS offering","spans":[]}]},"id":"rich_text$76e0fc74-a0ec-4f5b-8998-19dbc82c6290","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"1. Enhanced Asset Lifecycle Management","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa is excited to announce new capabilities for managing the entire asset lifecycle, from origination to end-of-life.","spans":[{"start":0,"end":118,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfiJ2w4qyfNhFxMu_AS6_Sustainability_CBM.png?auto=compress,format\u0026rect=3,0,1172,1172\u0026w=500\u0026h=500","alt":"A representation of the Circular Business Model, shown in five sections: Product-as-a-Service (Dynamic services without ownership), The Sharing Economy (Making use of resting assets), Circular Supply Chains (Using sustainable materials), Made for Longevity (Extending lifespans), Retrieve, Recycle, Refurbish (Reducing waste)\n","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfiJ2w4qyfNhFxMu","edit":{"x":-1,"y":0,"zoom":0.42662116040955633,"background":"#fff"}},{"type":"paragraph","text":"Equipment providers globally are asking themselves the same question: How can we prolong the lifespan of our existing products, and identify new markets for their continued use?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"To address this, their captive finance companies are moving away from the traditional ‘lease-and-sell’ model, instead establishing teams and processes dedicated to asset management across the lifecycle, maximising inventory use and profit.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Assets returning from an initial lease can be maintained in inventory for subsequent use, refurbished, or broken down into sub-assets for recycling. Regardless of the equipment's journey, finance companies need to track and account for all assets, meticulously - both on- and off-lease. This signifies a shift from focusing solely on the contract, to prioritising the asset itself.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"To meet these requirements, Alfa is excited to announce new capabilities in Alfa Systems 6 for managing the entire asset lifecycle, from origination to end-of-life. This includes:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Inventory management for reuse and resting","spans":[],"direction":"ltr"},{"type":"list-item","text":"Short-term second and third lives for equipment","spans":[],"direction":"ltr"},{"type":"list-item","text":"Streamlined refurbishment processes to extend product lifespans","spans":[],"direction":"ltr"}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Subscription-Ready Platform","spans":[]},{"type":"paragraph","text":"Through strategic product investment, Alfa Systems 6 is readily available to support subscription business.","spans":[{"start":0,"end":107,"type":"strong"}]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfRubHYkiKrtlJtF_SubscriptionServicePack.png?auto=compress,format\u0026rect=39,0,1139,1139\u0026w=500\u0026h=500","alt":"diagram of the Subscripton Service Pack in Alfa Systems 6","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfRubHYkiKrtlJtF","edit":{"x":-17,"y":0,"zoom":0.43898156277436345,"background":"#fff"}},{"type":"paragraph","text":"In order to provide customers with access to cutting-edge technologies at competitive rates, asset finance companies are teaming up with captives, as well as other equipment and auto finance providers, to offer subscription services alongside traditional asset financing.","spans":[]},{"type":"paragraph","text":"Alfa's experience with this combination has seen a range of services and models offered, which highlight the need for genuinely flexible solutions. This extends beyond basic features like heated seats; customers can choose from on-lease or off-lease subscriptions, with usage-based or periodic billing structures.","spans":[]},{"type":"paragraph","text":"The technology extends to targeted software subscriptions that optimise equipment usage, or provide on-demand add-ons for additional power.","spans":[]}]},"id":"rich_text$321825f8-da74-40c3-877b-612a64055977","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Across industries and markets, asset finance is being used to power a growing use of subscription-based sales models. Flexibility is becoming imperative as propensity for leasing and flexible ownership grows, either in the form of paying for transport on demand, bundled services in corporate fleets, or for functionality powered by new vehicle technologies.","spans":[]}],"author":"KPMG"},"id":"article_quote$3af6a666-d96d-483b-bdcc-7291049e4284","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Thanks to our strategic product investment over the last few years, Alfa delivers dependably on requests to support these new services. Capable of accommodating a usage-based service that extends beyond the end of its lease term, or a subscription covering an entire portfolio - charged periodically - Alfa Systems 6 is readily available to support your subscription business.","spans":[]}]},"id":"rich_text$169819ec-8b2e-4d2a-b5d0-680681a182ab","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. XaaS: Everything-as-a-Service","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 is fully equipped to facilitate your XaaS offering.","spans":[{"start":0,"end":66,"type":"strong"}]},{"type":"paragraph","text":"As interest rates have climbed and risk appetites fallen, particularly around commitments to emerging technologies, corporations are increasingly favouring OpEx projects over CapEx investments, and shifting towards XaaS models to procure equipment.","spans":[]}]},"id":"rich_text$3d6f9e7f-71be-40bb-8615-db5e7a93c505","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"As mobility, construction, industrial and machinery companies are looking for ways to increase their ROI, they are moving away from buying machinery outright as ownership makes less commercial sense. Since value is no longer tied to ownership, OpEx models are adopted to unlock money formerly reserved for CapEx purchases. There is a greater propensity to choose leasing, machine subscriptions, pay-per-outcome, and equipment-as-a-service, such as batteries-as-a-service models.","spans":[]}],"author":"KPMG"},"id":"article_quote$3f61d883-f730-4f9b-aeab-9c5bd2541164","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"XaaS can encompass short or long-term assets, supplementary services and usage-based charging. For finance companies and captives, this necessitates effective asset tracking - monitoring location, availability and usage - while incorporating the financing and invoicing of essential add-on services into a single, consolidated billing line.","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 is fully equipped to support XaaS:","spans":[]},{"type":"list-item","text":"Multi-asset schedules and contracts","spans":[]},{"type":"list-item","text":"Usage meters and customised usage-based billing","spans":[]},{"type":"list-item","text":"Integrated seamlessly with configurable, consolidated billing","spans":[]}]},"id":"rich_text$94565007-b30f-448b-8d2b-2230085148c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies everything-as-a-service requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbUA4qyfNhFyVU_AS6_Sustainability_XaaS.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbUA4qyfNhFyVU","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$ccc64358-13a9-4626-ba19-4b88772eeb4f","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"Sustainability in Alfa Systems 6: Meeting the future needs of forward-thinking finance providers.","spans":[]}]},"id":"text_banner$1228cd8f-c63f-455e-87ba-b53ec4db7308","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Use case: Green energy financing","spans":[]},{"type":"paragraph","text":"The fight against greenhouse gas (GHG) emissions is leading to a fundamental shift in the demand and supply of greener energy. Traditionally, manufacturing companies relied solely on their energy suppliers, hoping they would provide energy from greener sources.","spans":[]},{"type":"paragraph","text":"However, with a growing focus on reducing their own carbon footprints (Scope 1 emissions), manufacturers are now empowered to take control of their energy sources. This opens doors to exciting possibilities, including:","spans":[]},{"type":"list-item","text":"On-site renewable energy generation: Companies can install solar panels and wind turbines, along with combined heat and power (CHP) engines. These systems can be leased from finance companies, alongside add-on services like insurance and maintenance, satisfying a meaningful proportion of their energy needs.","spans":[{"start":0,"end":35,"type":"strong"}]},{"type":"list-item","text":"Flexible purchasing: On-site generation might not meet all energy requirements, but manufacturers can still take top-up energy from their energy suppliers. Usage-based billing ensures they pay only for what they use, with a minimum monthly fee. Additionally, they have the flexibility to pool usage across multiple assets, receiving a single consolidated bill for convenience.","spans":[{"start":0,"end":19,"type":"strong"}]}]},"id":"rich_text$cc11cb7c-3a48-4a32-be09-ec01fa0c8ce8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies green energy financing requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbTw4qyfNhFyVT_AS6_Sustainability_GreenEnergyFinancing.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbTw4qyfNhFyVT","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$6b52d7a3-5e8b-4395-b709-4fd095e192e6","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 fully supports this new approach, empowering manufacturers to be more sustainable and efficient, contributing to a greener future for all.","spans":[]},{"type":"paragraph","text":"Read more in our paper co-written with Capitas Finance, Towards energy resilience: closing the efficiency gap.","spans":[{"start":56,"end":109,"type":"hyperlink","data":{"id":"Y1q53xEAAF5wBeE7","type":"article","tags":[],"lang":"en-ap","slug":"co-written-by-capitas-finance-and-alfatowards-energy-resilience-closing-the-efficiency-gapexplains-the-powerful-drivers-for-businesses-to-cut-their-greenhouse-gas-emissions-and-underlying-energy-use--and-the-equally-powerful-barriers-preventing-them-from-implementing-decarbonisation-projects.","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2022-10-28T11:16:45+0000","uid":"towards-energy-resilience-closing-the-efficiency-gap","url":"/en-ap/news-and-insights/towards-energy-resilience-closing-the-efficiency-gap","link_type":"Document","isBroken":false}}]}]},"id":"rich_text$89cb6eec-ffb5-4629-9aee-19b8badbb1f5","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Use case: Electric vehicles","spans":[]},{"type":"paragraph","text":"Alfa Systems 6 provides robust support for both simple and complex use cases in the financing of electric vehicles.","spans":[{"start":0,"end":115,"type":"strong"}]},{"type":"paragraph","text":"It accommodates multiple auto EV portfolios, employing versatile, multi-asset schedule support. 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Requests credit decisioning metrics from an external system for automated credit decisioning.","spans":[{"start":0,"end":18,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"This flexible integration pattern allows you to connect Alfa Systems 6 seamlessly with the vendor solution of your choice, eliminating the need for custom development. ","spans":[],"direction":"ltr"}]},"id":"rich_text$93049293-5153-42ac-9765-982645ad4704","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"Case study: Automating payment holidays","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The increasing volume of payment holiday requests in the industry has fuelled a demand for greater automation. 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End customers were awarded the convenience of self-serving payment holidays directly through the online portal, leading to a substantial reduction in call centre enquiries, thereby streamlining operations and improving the overall customer experience.","spans":[{"start":237,"end":238,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$66f813d2-52dd-4247-b7e5-460c5ff28936","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Real-time data streaming","spans":[],"direction":"ltr"},{"type":"paragraph","text":"At Alfa we fully recognise that our customers use Alfa Systems as one component of a wider technology landscape. Accordingly, in addition to real-time data APIs, in-app reporting and the Operational Data Store (ODS) - supplied as part of the core feature set of Alfa Systems 6 - Alfa has built an event streaming service providing change data capture (CDC), powered by Apache Kafka.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZucqsrVsGrYSvYEE_AS6_6CE_quicksight.png?auto=format,compress","alt":"A representation of downstream data in Amazon QuickSight","copyright":null,"dimensions":{"width":512,"height":311},"id":"ZucqsrVsGrYSvYEE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"This service delivers a continuous stream of real-time reporting data events, enabling customers to combine their real-time Alfa Systems reporting data easily with that from other systems into a central repository or data warehouse, lake or lakehouse. 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Regardless of where your other technology resides, using Alfa Cloud eliminates the need to navigate internal network boundaries, allowing for a smoother adaptation to changing technological demands and keeping your systems at the forefront of innovation.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"These rapidly evolving toolsets enable the combination of innovation and prototyping to produce breakthrough solutions. This allows Alfa to deliver up-to-the-minute technical and functional solutions, without starting from scratch. ","spans":[],"direction":"ltr"}]},"id":"rich_text$f7a4ae63-2c06-4514-a59f-ebe8cb81fa60","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"AI-as-a-Service in the collaborative ecosystem: Use case","spans":[],"direction":"ltr"},{"type":"paragraph","text":"In recent years, several AI-driven solutions have emerged, designed to automate the originations business process. A recent proof of concept enabled Alfa to take advantage of these advancements, along with key AWS services, to automate the majority of the funding journey.","spans":[],"direction":"ltr"}]},"id":"rich_text$4db8db20-6db0-42e4-899f-173dc70e5ba8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":839},"alt":"The funding journey, orchestrated in Alfa Systems 6","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugjrbVsGrYSvZKy_AS6_6CE_digital.svg","id":"ZugjrbVsGrYSvZKy","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Digital contracting: The funding journey, orchestrated in Alfa Systems 6","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$82051537-ea73-4bc2-a7c1-174b640737b7","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Workflow in Alfa Systems 6 orchestrates the entire end-to-end process, allowing customers to configure and adapt it to their specific requirements. Crucially, the solution isn't tied to specific providers, offering extensibility and the flexibility to plug in new and improved services as they emerge in the market.","spans":[{"start":0,"end":26,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Key highlights:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Once the quote is captured, customer data is sent to KYC, Fraud and Affordability solutions for verification. Workflow triggers additional manual verification automatically when pertinent information is flagged, using Alfa Systems 6’s business rules to automate the decisioning.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Customer correspondence and CRM updates are handled by the group solution, with metadata forwarded from Alfa Systems 6 at a specific step in the workflow. Automation is further enhanced through integrated e-signing capabilities.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Processing and classification of documents within the contract pack - such as supplier invoices and identification - is prime automation territory. Our proof of concept used AWS services and AI via advanced large language models to automate the classification and validation of such documents, ensuring dynamically that they align with the contract stored in Alfa Systems 6.","spans":[],"direction":"ltr"}]},"id":"rich_text$041602f9-0d45-473c-8fb4-8450ea267f0e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Systems 6: The Orchestrator","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Looking back to Digital Directions 3: Building a digital ecosystem for asset finance.","spans":[{"start":0,"end":16,"type":"em"},{"start":16,"end":84,"type":"hyperlink","data":{"id":"Y1q5txEAACEABeAq","type":"article","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2024-02-09T10:39:56+0000","uid":"digital-directions-series","url":"/en-ap/news-and-insights/digital-directions-series","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/6a1e0967-0dca-4534-9d0c-cc09e87eaefb_digital-directions-3-report-cover.png?auto=format%2Ccompress\u0026rect=0%2C0%2C960%2C960\u0026w=175\u0026h=175","alt":"Digital Direction 3 report - Cover","copyright":null,"dimensions":{"width":175,"height":175},"id":"Y4YDahEAACQAPI1_","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Produced in 2022, Digital Directions 3 drew on industry experts’ input to understand a future in which technology’s power is channelled not by individual operators, but by many participants, who collaborate on delivering new value that exceeds the sum of its parts.","spans":[{"start":18,"end":38,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"We offered insight into the emerging role of technology providers as ecosystem orchestrators, identified various types of ecosystem, and discussed the opportunities to deploy them in order to meet the needs of the auto and equipment finance industries.","spans":[],"direction":"ltr"}]},"id":"rich_text$19737caa-acad-4a4a-b5e1-ea3d80df20d9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"\"A new role emerges for an orchestrator who acts like a conductor in an orchestra, making each participant work effectively and harmoniously with the others, just as a conductor seeks to make the woodwind work with the strings.\"","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$bf372e2e-d6f9-4b5c-975c-a8cec3c388f9","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"With its robust workflow capabilities and powerful APIs and webhooks, Alfa Systems 6 has become that orchestrator: accelerating the funding journey significantly, providing decisions in seconds and a conclusion to the process as soon as delivery logistics allow.","spans":[],"direction":"ltr"}]},"id":"rich_text$aeb61c0b-42de-40e3-bc75-04155c36ee8e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"\"The symbiotic ecosystem is the most common model deployed by leading technology companies like Alfa. 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For instance, the UK does not mandate compliance with the PEPPOL standard, even for cross-border transactions.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"The varying standards and formats across different regimes present an opportunity to expedite compliance by integrating with an e-invoicing solution that delivers the required structured data directly to government intermediaries. In addition, cloud-based large language models (LLMs) and text extraction services can extract and simplify data from invoices outside of these regulations, to support analysis and reporting.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunity: The need for flexibility","accordion_item_copy":[{"type":"paragraph","text":"Businesses continue to face significant levels of uncertainty, with the push for sustainable solutions often clashing with short-term needs and the challenge of verifying clear business cases. As a result, equipment and auto finance providers need to increase their agility to navigate this uncertainty. This involves piloting new products and processes, such as usage-based products, X-as-a-Service offerings and subscription-based solutions.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Achieving such agility requires leveraging technology at low cost, allowing businesses to experiment, prototype and determine which solutions align with their goals and market demand. For example, some companies exploring X-as-a-Service models discovered that flexible-length leases with usage-based billing were a better fit. A successful outcome was achieved by partnering with a telematics provider, tracking each asset, with Alfa Systems’ API - demonstrating how rapid iteration and agility can deliver impactful results.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Challenge: Fast-changing technology","accordion_item_copy":[{"type":"paragraph","text":"Schumpeter’s Theory of Creative Destruction is playing out vividly: rapid technological advancements are forcing both technology and finance companies to develop the capacity, resilience and maturity to keep up.","spans":[{"start":0,"end":43,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.cmu.edu/epp/irle/irle-blog-pages/schumpeters-theory-of-creative-destruction.html","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"For finance companies, the exploration of cloud-based AI and other tooling to drive innovation and build new features means that they require technology providers with a proven track record of continuous innovation and evolution; partners they can trust to deliver for decades to come.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Challenge: Customer expectations","accordion_item_copy":[{"type":"paragraph","text":"Customer expectations continue to evolve, driven by a greater understanding of the capabilities of technology and the prevalence of high-concept, tightly integrated ecosystems in everyday life, from discussions around ChatGPT to the sophisticated integrated services embedded in iOS and Android.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Whether your customers are consumers, SMEs, enterprises or even internal stakeholders, they are likely to disengage if you're not using new technologies effectively to provide the cohesive, integrated experience they now expect. 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Alongside the ever-present need to manage costs and improve efficiency, commercial finance providers can benefit from an investment in reliable, adaptable, cloud-native technology that can streamline entire processes and bring heightened operational productivity.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa has a truly unrivalled delivery record and decades of experience supporting complex loan and lease processes, in diverse global implementations with multiple product types. Alfa Systems offers commercial finance providers class-leading business process automation and expansive product support, with proven multicurrency capabilities, alongside real-time accuracy and compliance features.","spans":[],"direction":"ltr"}]},"id":"rich_text$5dd42d5c-2f5a-4ee1-918d-d3b059e21188","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Complex lending capabilities","accordion_item_copy":[{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/b3b2032d-4101-47fd-984d-c779ba889ae9_alfa-systems-product-hero.jpg?auto=format%2Ccompress\u0026rect=571%2C196%2C1825%2C1017\u0026w=2520\u0026h=1404","alt":"Alfa Systems screenshot with pie chart and tables","copyright":null,"dimensions":{"width":2520,"height":1404},"id":"YzVTShEAAD0xpZs-","edit":{"x":571,"y":196,"zoom":1.38,"background":"transparent"}},{"type":"paragraph","text":"For those undertaking a systems selection exercise, striking a balance between operational efficiency and richness of capability poses a challenge. 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","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems supports comprehensive variable rate and complex lending functionality, including:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Risk-free rates, such as SONIA, money market and base rates ","spans":[],"direction":"ltr"},{"type":"list-item","text":"Automatically processed interest rates, allowing capitalisation of interest into the balance","spans":[],"direction":"ltr"},{"type":"list-item","text":"Flexible interest rate calculation options, including those based on actual payments","spans":[],"direction":"ltr"},{"type":"list-item","text":"Differing rate periods, multiple margins and varying payment profiles","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Furthermore, Alfa Systems’ comprehensive management of exposure and lines of credit includes:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Automated underwriting for lines of 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By integrating cutting-edge AI and automating complex processes, with Intelligent Automation we are exceeding these expectations. Innovative tools like AskThea and Alfa Decisioning enable our customers to make smarter decisions, achieve exceptional efficiency, and stay ahead in a competitive, evolving market.\"","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, Chief Technology Officer, Alfa"},"id":"article_quote$8f2d2df5-8293-436b-af01-6fd4545ea800","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Introducing Intelligent Automation in Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"As the hype over AI reaches its peak, business people are expecting more from their technology suppliers and departments. Full automation of basic, 'green path' processes has become a baseline expectation, with the phrase “manual intervention” verging on profanity. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Expectations are high, not just around the automation of operational processes, but also for efficiency gains within technology implementation projects, as well as healthier financial outcomes - all driven by superior, constantly learning, rules-based intelligence.","spans":[],"direction":"ltr"}]},"id":"rich_text$4726df20-192a-406e-a684-79cc6277d59e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":587},"alt":"Decisioning with pluggable API","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zp_h5h5LeNNTxbsE_Intelligent-Automation-pluggable-AI.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5016%2C1840\u0026w=1600\u0026h=587","id":"Zp_h5h5LeNNTxbsE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$50ae8a91-78ab-492b-be15-19ca4ff5a44d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"On the flip side, considering the obligation to understand and comply with data ownership, data quality, auditability, and ethics and security concerns, most customer-focused AI applications in our industry are slow to come to market. These concerns are genuine, and those forging ahead may not be paying them adequate attention.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Furthermore - and especially for intelligent models that rely on inputs from the financial markets - the adage that “if you want to know the future, look at the past” does not hold true in this context. Systemic changes from Covid, inflation and sudden interest rate hikes suggest that subjective decisions may yield better outcomes than models trained on recent data.","spans":[],"direction":"ltr"},{"type":"image","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZmsO8Zm069VX1uc2_Alfa_iQ_logo_colour.svg?auto=compress,format","alt":"alfa iq logo","copyright":null,"dimensions":{"width":947,"height":446},"id":"ZmsO8Zm069VX1uc2","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"With these dynamics in mind, for Intelligent Automation Alfa has harnessed the experience, skills and modelling insights developed through our established AI service, Alfa iQ, since its first-mover launch in 2020. This allows us to integrate advanced tools that deliver significant benefits to our customers:","spans":[{"start":33,"end":55,"type":"em"},{"start":167,"end":174,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"list-item","text":"Automated, auditable rules-based workflows provide benefits akin to AI decisions, but allowing our customers a greater element of control and explainability.","spans":[{"start":0,"end":42,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"AskThea is a conversational AI chatbot for Alfa Systems support and guidance, providing immediate insights on product support.","spans":[{"start":0,"end":8,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Alfa Decisioning is a rules-based credit decision engine with AI model integration, providing next-generation credit underwriting with customer-specific modelling.","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$2229689b-c6d0-4fbc-86a6-1313e4f97c13","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Streamline and scale decision-making across your organisation","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Understand credit risk in your portfolio, simplify processes, free up resources and improve operational efficiencies.","spans":[{"start":0,"end":117,"type":"strong"}],"direction":"ltr"},{"type":"heading3","text":"1. Enhanced rules-based workflows","spans":[],"direction":"ltr"},{"type":"paragraph","text":"From complex pricing rules and conditional underwriting, to actioning of document discrepancies and implementing the 'best action' at termination, Alfa Systems incorporates a range of automated workflows built upon complex decisions. Alfa is constantly enhancing this functionality, allowing new parameters or entities to feed into the decision rules and adding new paradigms to trigger actions.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5R5LeNNTxbsD_Intelligent-Automation-rules-based-workflows.png?auto=format%2Ccompress\u0026rect=3%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Rules-based workflow tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5R5LeNNTxbsD","edit":{"x":3,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"An example, among many enhancements we've made for Alfa Systems 6, is allowing actual usage (compared to contract estimated usage) to trigger rules-based decisions for an early termination, or extension of contract end date, allowing for complex provision calculations.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Although Alfa is exploring in detail the use of predictive AI within workflows, the results currently achieved through a network of business rules nevertheless represent intelligent automation and are highly effective. A significant advantage of this approach is that the Alfa Systems user can easily learn, from within the user interface, the complete audit trail of the data and decisions that led to the triggering of a particular outcome, thereby enabling a wider spread of feasible use cases for automation.","spans":[],"direction":"ltr"},{"type":"heading3","text":"2. AskThea","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Built in-house by Alfa's innovators, and supported by proven generative AI services, AskThea is a conversational AI chatbot trained on Alfa Systems documentation libraries to provide immediate insights.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_mHh5LeNNTxbta_Intelligent-Automation-AskThea.png?auto=format%2Ccompress\u0026rect=0%2C1%2C839%2C559\u0026w=150\u0026h=100","alt":"AskThea logo","copyright":null,"dimensions":{"width":150,"height":100},"id":"Zp_mHh5LeNNTxbta","edit":{"x":0,"y":1,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"AskThea allows Alfa Systems users - including admins, integration developers, support, change management and training - to understand the functionality provided in Alfa Systems more efficiently, and offers instant answers on how best to meet new business or technical requirements.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea is highly extensible, allowing for a wide variety of resources to be integrated alongside Alfa libraries. From administrative tasks, such as customer-specific configuration assistance and API guidance, to user assistance in training and customer procedure, AskThea is always evolving and increasingly beneficial.","spans":[],"direction":"ltr"},{"type":"heading3","text":"3. Alfa Decisioning","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Building on Alfa Systems' exceptional underwriting capabilities, Alfa Decisioning is a next-generation credit decision engine which can be augmented with a 'pluggable' AI model.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5B5LeNNTxbsC_Intelligent-Automation-Alfa_Decisioning.png?auto=format%2Ccompress\u0026rect=0%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Alfa Decisioning tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5B5LeNNTxbsC","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Alfa Systems customers can create their own decision trees and scorecards, based on insights from end-to-end customer lifecycle data extracted from Alfa Systems' Operational Data Store. Created through a drag-and-drop visual editor, decision trees are called by Alfa Systems' workflow engine, allowing full automation for an increasing proportion of underwriting decisions.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Building on our experience implementing 'Probability of Default' calculators with Alfa iQ, these decision-based rules can be further augmented by a customised predictive AI model. By integrating customer data with insights from credit reference agencies and the customer's historical behaviour on Alfa Systems, the model generates a probability of default as additional input to the rule engine, thereby reducing risk and potentially expanding into new market sectors.","spans":[{"start":82,"end":89,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$2f40fa57-af09-4d3a-a059-63faf3c3e459","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Intelligent Automation: Future blueprint","spans":[],"direction":"ltr"}]},"id":"rich_text$15506dde-47e5-4613-b07a-e56780b13fe0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Natural-language report generation","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems’ Operational Data Store (ODS) houses a wealth of information for use in reporting and analytics. However, the breadth of data available can make reporting tasks daunting for business users.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Forthcoming report generation tooling will enable users to describe the information they need in natural language, allowing rapid access across ODS data structures without an intimate knowledge of the data dictionary - empowering non-technical users to build the reports they need, easily.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Customer-specific product documentation","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems customers have access to a wealth of configuration options that enable them to tailor the platform to their own business needs. By using AI to provide natural language conversation around that configuration, administrators can better understand how modifications may affect Alfa Systems, and subsequently generate documentation tailored to their specific version and configuration set - allowing users greater insight into the operation of various features.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"As it becomes easier to generate customer documentation from configuration, it becomes decreasingly necessary to create it. However, customers may have procedural manuals, training materials and other documentation sources from which they’d like to provide a fully integrated natural language help platform. By using Alfa Systems product documentation alongside an interpreted understanding of the customer configuration, as well as customer-provided documentation, Alfa offers a one-stop, self-support solution.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Workload management","accordion_item_copy":[{"type":"paragraph","text":"By continuously analysing case progression, operator workload and seasonal effects, Alfa looks to provide cutting-edge predictive analysis. This enables intelligent case assignment, accurate SLA warnings, and deep insights into how workload is handled. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Using a wide range of indicators - including predicted workflow paths, asset information and third-party profiles - Alfa Systems can forecast the duration of each case, identify potential SLA breaches, ensure proper case escalation, and optimise queue management.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Developer efficiency","accordion_item_copy":[{"type":"paragraph","text":"For developers, AI tooling is more than simple code generation; it provides a vast array of supporting assistance. It can assist in discussing and critiquing solutions, optimising code for enhanced performance, and understanding existing projects to better integrate new solutions. With intelligent developer assistance, teams can produce more efficient, secure, and tightly integrated code in a fraction of the time.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Looking to our internal processes, at Alfa we use an advanced suite of quality, security and vulnerability scanning tools to ensure a final product that upholds the reliability Alfa Systems is known for. Moving forward, we aim to share these insights with integration developers.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$9673686b-e7fa-4577-ae38-d8d604075537","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Intelligent Automation: Meeting challenge and opportunity","spans":[],"direction":"ltr"}]},"id":"rich_text$d07ca346-117f-406d-9725-b05c23066fcb","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunity: Originations - speed of response","accordion_item_copy":[{"type":"paragraph","text":"As competition intensifies, it is crucial for finance companies to produce an initial response as quickly as possible, to as broad a range of requests as possible. With desired automation rates nearing 80%, any increase requires intelligent automation powered by a complex and easily updatable set of rules. AI could play a significant role in advancing and refining these rulesets.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunity: The need for flexibility","accordion_item_copy":[{"type":"paragraph","text":"Finance companies must stay ahead of market trends by efficiently adapting business models and piloting new technologies and processes. Keeping their technology up to date, while minimising the costs of upgrades and implementation, is crucial. Generative AI tools like AskThea are ideal for this purpose, as they increase the accessibility of complex product documentation for end users.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Challenge: The challenge of finding a skilled and valuable workforce","accordion_item_copy":[{"type":"paragraph","text":"Globally, the recruitment and retention of skilled, cost-effective resources have become challenging. It is assumed that great technology with embedded AI can reduce the need for some resources that perform basic functions. More realistically, AI can reallocate workloads by automating low-value, repeatable tasks, freeing up resources for higher-value activities and revenue generation, thereby increasing job satisfaction. Alfa’s automated workflows, along with the piloting of internal GPT and Copilot for technology processes, can help mitigate this issue.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Challenge: Customer expectations","accordion_item_copy":[{"type":"paragraph","text":"Customers expect more. A new father recently shared how he uses analytics from a baby monitor to understand his baby’s sleep patterns, reflecting a trend of heightened expectations. Customers now demand efficient, accurate, almost real-time responses - something that is not always feasible with human, manual processes. Automated workflows, incorporating business rules and natural language models where possible, enable fast responses while maintaining a high-quality customer experience.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Challenge: Regulation of AI","accordion_item_copy":[{"type":"paragraph","text":"As AI evolves rapidly and reaches further into every business, so do the regulations that govern it, and the expectations of reliability placed upon it. While regulators strive to codify guidelines and rules to ensure the fair and equitable operation of AI, we find the rapid pace of innovation often outstrips this, creating a treacherous gap for businesses to navigate.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Initially, Alfa takes an 'AI as a guiding hand' approach wherever possible, going to great lengths to minimise risk to both individuals and businesses. We work closely with AWS and other partners to monitor legislative changes and ensure they are incorporated in the development process.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa’s key differentiators - excellence in people, technology and delivery - ensure that you can trust us with all aspects of AI, including consultancy around its implementation.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Opportunity: AI-as-a-Service","accordion_item_copy":[{"type":"paragraph","text":"While Alfa has a wealth of experience at our hands in building our own custom AI solutions, we strive not to reinvent the wheel when we can leverage partner relationships to deliver a seamlessly integrated AI experience. From identity verification to document recognition and comprehension, through a rich range of APIs and services Alfa Systems is designed with future customisation and integration in mind.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Find out more in Alfa Systems 6’s final pillar, Collaborative Ecosystem: Simple integration with market innovations and through Alfa’s trusted partner network.","spans":[{"start":48,"end":71,"type":"strong"}],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$612bfe5e-1bf1-486f-ab2b-a866a4829582","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Request a demo","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo","target":""}},{"button_label":"Make an enquiry","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Get in touch","title":[{"type":"heading2","text":"Discover more","spans":[],"direction":"ltr"}]},"id":"action_banner$a04a6401-1cff-4b40-bdd1-578683f3c695","slice_type":"action_banner","slice_label":null}],"seo_title":"Systemised decision-making through AI and rules-based workflows.","seo_description":"Intelligent Automation in Alfa Systems 6 harnesses the latest cognitive technologies, including predictive modelling, empowering Alfa's customers to create efficiencies using a variety of intelligent, automated decision-making tools.","seo_keywords":null,"seo_image":{}}},{"id":"ZkJJdhAAACgApNty","uid":"scalability","url":"/en-ap/product/article/scalability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZkJJdhAAACgApNty%22%29+%5D%5D","tags":[],"first_publication_date":"2024-05-15T11:21:56+0000","last_publication_date":"2024-10-08T13:19:40+0000","slugs":["founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZjumeBAAACkAmzaV","type":"product","lang":"en-eu","uid":"scalability"},{"id":"ZkJLTRAAACcApN4c","type":"product","lang":"en-us","uid":"scalability"}],"data":{"product_type":"Alfa Systems 6","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshrVsGrYSwP_O_Transition_4th_Release2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshrVsGrYSwP_O","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Scalability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/6de2ee72-105b-4e26-8e2d-9f8bf618633c_04_Scalability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKvhUAACUAhGLm","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pillar 4: Scalability","subheading":"Truly always-on, financially coherent operation - without restriction.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Founded on six pillars, Alfa Systems 6 helps finance providers tackle the significant challenges they face, and seize the lucrative opportunities that lie waiting.","spans":[{"start":24,"end":38,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$2e191f70-65e6-4e63-ae93-3d4766b3e9e0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Why Scalability?","spans":[]},{"type":"paragraph","text":"Scalability in Alfa Systems 6 presents leading-edge functionality designed for providers looking to scale their business with flexibility and speed.","spans":[{"start":0,"end":29,"type":"strong"}]},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8SEaI3ufuUQLT_Scalability_tile.png?auto=compress,format\u0026rect=0,1,549,549\u0026w=150\u0026h=150","alt":"scalability icon","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8SEaI3ufuUQLT","edit":{"x":0,"y":0,"zoom":0.273224043715847,"background":"#fff"}},{"type":"paragraph","text":"This applies to providers looking to expand within their current markets, or breaking into new regions and business lines, but who need to maintain high levels of flexibility while minimising capital expenditure.","spans":[]},{"type":"paragraph","text":"Building on Alfa Systems’ stable, performant platform, long-term investments by Alfa have delivered the Scalability pillar, equipping finance providers with everything they need to:","spans":[{"start":104,"end":115,"type":"em"}]},{"type":"list-item","text":"Optimise and flex resource expenditure: Alfa Cloud’s adaptable resource model offers automated deployments, serverless databases and SOC1-certified processes - as and when required.","spans":[{"start":0,"end":39,"type":"strong"}]},{"type":"list-item","text":"Onboard new portfolios: Powerful new tooling makes the transfer of acquired portfolios onto Alfa Systems 6 quick and painless.","spans":[{"start":0,"end":22,"type":"strong"}]},{"type":"list-item","text":"Expand into new markets: Through business rules and advanced configuration management, Alfa Systems 6 gives you the power to roll out operations with flexibility and speed. Use the same configuration in multiple countries, or as a seed for rollouts in new regions or business lines.","spans":[{"start":0,"end":24,"type":"strong"}]},{"type":"list-item","text":"Harness true 24/7 operation: New ‘rolling close’ capabilities deliver uninterrupted round-the-clock operations and superior performance - a first in the market. Portfolios progress smoothly to the next day with zero downtime, enabling always-on digital self-service for all operations (not just quoting).","spans":[{"start":0,"end":27,"type":"strong"}]},{"type":"paragraph","text":"Discover Scalability in Alfa Systems 6:","spans":[{"start":9,"end":38,"type":"strong"}]}]},"id":"rich_text$57348e93-2f58-4cc9-a981-b451dbf89415","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"vimeo_video_id":"944135319","video_caption":[{"type":"paragraph","text":"Scalability in Alfa Systems 6","spans":[]}]},"id":"article_video$41197a34-9602-4fd8-a1a2-98856b3acd0c","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"\"Scalability, the fourth pillar of Alfa Systems 6, allows finance providers to plan efficiently and confidently for extensions to their operations, without worrying about increased capital spend. This allows them to make use of economies of scale, and mitigate the risk of higher cost bases.\"","spans":[]}],"author":"Emily Hammond, Head of Product"},"id":"article_quote$52314dad-6b9e-43ef-a807-bf70754cac83","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Introducing Scalability in Alfa Systems 6","spans":[]},{"type":"paragraph","text":"In recent years, the environment for finance providers has not been easy. Escalating costs, a shortage of skilled talent, and evolving global regulations have compelled finance firms either to withdraw from markets, or to expand their operations to leverage economies of scale. ","spans":[]},{"type":"paragraph","text":"The delayed implementation of capital requirement increases in Basel IV (aka Basel 3.1 and Basel III Endgame), coupled with some high-profile bank failures, has underscored the need to move risk off the balance sheet. It has also demanded more robust risk measurement and asset type differentiation. This situation presents both an opportunity and a threat, in the form of mergers and acquisitions, with larger portfolios potentially consolidated by established banks with the requisite optimised processes and controls in place. The victors will be those leveraging technology to scale, who can react quickly and astutely.","spans":[]}]},"id":"rich_text$ed06331b-99a1-4614-ae55-f7da6db66b68","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":894},"alt":"with the right technology model, you can scale your business with flexibility and speed","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju8jEMTzAJOCpBn_scalability_tech.png?auto=compress,format\u0026rect=0,0,1911,1068\u0026w=1600\u0026h=894","id":"Zju8jEMTzAJOCpBn","edit":{"x":0,"y":0,"zoom":0.837257980115123,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$f8c23005-5e51-4031-b1f0-a30c3f7b9443","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"The industry has already seen much in the way of consolidation, in both servicing and ownership of portfolios. To manage these newly expanded, potentially global portfolios efficiently - and ensure they are the ones to capitalise on economies of scale - finance providers require:","spans":[]},{"type":"list-item","text":"24/7 operations, always-on and always available","spans":[{"start":0,"end":15,"type":"strong"}]},{"type":"list-item","text":"A fast, highly performant technology landscape with a higher baseline and an ability to scale to meet performance demands as they arise, ensuring sustained efficiency","spans":[{"start":0,"end":46,"type":"strong"}]},{"type":"list-item","text":"Easy, pain-free methods to expand their portfolio within the current system (even with different processes and products)","spans":[{"start":0,"end":49,"type":"strong"}]}]},"id":"rich_text$fc395813-d521-49c2-aea4-e2a104a44de2","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Cloud: The cloud-native hosting solution, integral to Alfa Systems 6","spans":[]},{"type":"paragraph","text":"Alfa Cloud - the standardised, single-tenant, cloud-native SaaS solution - is designed for customers looking to scale their offering efficiently, both dynamically and on demand.","spans":[{"start":0,"end":10,"type":"strong"},{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}]},{"type":"paragraph","text":"A cornerstone of every Alfa Systems implementation, Alfa Cloud has seen considerable investment for the Scalability pillar. Leading-edge technologies and automated services empower customers to roll out innovative solutions to the market, ensuring optimal performance - not just for daily operations, but also during peak times when running intensive processes.","spans":[]}]},"id":"rich_text$0509c944-b39f-4aa4-a8ba-f5325fbb39d0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":514},"alt":"Alfa cloud logo","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=compress,format\u0026rect=0,0,11097,3565\u0026w=1600\u0026h=514","id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":0.14417952314165497,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$30dfec7e-046a-43cf-914f-06fb193f61f3","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Scalability brings important new features in Alfa Cloud:","spans":[{"start":45,"end":55,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}]}]},"id":"rich_text$9e9d06d9-ce0d-48c3-9797-a8fe08bf6d77","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Dynamic database autoscaling","accordion_item_copy":[{"type":"paragraph","text":"Harnessing the power of AWS Aurora serverless technologies, Alfa Cloud introduces dynamic database autoscaling, to leave behind the traditional approach of planned database upgrades. Gone are the days of committing to a fixed database size to accommodate peak demands, such as end-of-day processing. With infrastructure-as-code and serverless clusters, database scaling occurs automatically when needed, ensuring optimal efficiency and performance. Whether you're rapidly onboarding 1,000 new dealers, or executing an expedited portfolio migration, Alfa Cloud delivers where other solutions can't.","spans":[]},{"type":"paragraph","text":"Testing of these new technologies and automated capacity management has revealed an improvement of up to 3.3x in real-time performance, compared with a similar portfolio deployed in a legacy data centre.","spans":[]}]},{"accordion_item_label":"Application scaling","accordion_item_copy":[{"type":"paragraph","text":"The integration of technologies in other areas (such as the Render framework-based Compose, enabling server-driven rendering within our preconfigured Alfa Start products or Total Originations) empowers Alfa Cloud to support application scaling. This capability ensures our customers can take advantage of dynamic scaling - up, down and across servers - with confidence in retaining crucial session information.","spans":[{"start":83,"end":90,"type":"hyperlink","data":{"id":"ZW4M3REAACAAKRhv","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2023-12-05T13:09:33+0000","last_publication_date":"2024-10-01T18:00:52+0000","uid":"efficiency","url":"/en-ap/product/article/efficiency","link_type":"Document","isBroken":false}},{"start":150,"end":160,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}},{"start":173,"end":191,"type":"hyperlink","data":{"id":"ZZ_3_REAAFoAcHSq","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2024-01-16T11:18:23+0000","last_publication_date":"2024-10-01T17:57:34+0000","uid":"total-capability","url":"/en-ap/product/article/total-capability","link_type":"Document","isBroken":false}}]}]},{"accordion_item_label":"Variable OpEx","accordion_item_copy":[{"type":"paragraph","text":"Alfa Cloud allows our customers to move away from rigid, fixed-cost structures towards a variable operational expenditure (OpEx) model, with costs incurred when - and only when - required. Through strategic investment in people and processes, such as zero-touch patching procedures, we enable our customers to capitalise on economies of scale, and tap into the pool of Alfa Systems management expertise.","spans":[]}]},{"accordion_item_label":"24/7 processing, with entity-level close","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems' ongoing product development continually finds new ways to enable our customers to scale both vertically (by contract volume) and horizontally (across regions). Our investment in 24/7 processing allows our customers to access a single, always-on, global application*.","spans":[]},{"type":"paragraph","text":"The enhanced efficiency of a rolling close, managed at the entity level, delivers a host of advantages. Beyond its superior performance and reduced strain on the database, this approach facilitates uninterrupted 24/7 operations. Portfolios progress smoothly to the next day with no disruption, with clear signalling both in the UI and through web services. ","spans":[]},{"type":"paragraph","text":"This enables always-on digital self-service for all operations (not just quoting); access to offshore customer service for the full working day; as well as multicountry operations, with each running its own rolling closing process.","spans":[]},{"type":"paragraph","text":"* subject to data sovereignty restrictions","spans":[{"start":2,"end":42,"type":"em"}]}]},{"accordion_item_label":"A single multicountry application","accordion_item_copy":[{"type":"paragraph","text":"Renowned for its continually evolving flexibility, Alfa Systems enables highly effective deployment across multiple countries or states, accommodating varying regulations, product types, GAAP reporting standards, and operational processes. Powerful business rules and workflow, alongside parameter segregation and customised invocation of external services driven by business logic, ensure that the same base application can serve diverse jurisdictions.","spans":[]}]}],"primary":{},"id":"article_accordion$0ad11fee-75b5-40c0-94eb-62885f18d35d","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Discover more about Alfa Cloud:","spans":[]},{"type":"list-item","text":"(alfasystems.com) Alfa Cloud: Cloud-native and secure Software-as-a-Service","spans":[{"start":18,"end":75,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}]},{"type":"list-item","text":"(Medium) Single vs. Multi-Tenant: Having our cake and eating it too?","spans":[{"start":9,"end":68,"type":"hyperlink","data":{"link_type":"Web","url":"https://medium.com/engineering-at-alfa/single-vs-multi-tenant-having-our-cake-and-eating-it-too-adac1e33ad08","target":"_blank"}}]},{"type":"list-item","text":"(AWS YouTube channel) Transforming Asset Finance: Alfa’s Data-Driven Strategy","spans":[{"start":22,"end":77,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.youtube.com/watch?v=UOOHDsXIrvY","target":"_blank"}}]}]},"id":"rich_text$d0916857-f541-42a9-8ede-e2ee577f09c8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"Alfa Cloud's dynamic database and application scaling, variable OpEx, and always-on operation lets you serve diverse jurisdictions, and capitalise on economies of scale.","spans":[]}]},"id":"text_banner$b567837b-bdd0-4706-b2a7-fb4b2d6c8502","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Scalability: Further enhanced in Alfa Systems 6","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"paragraph","text":"Scalability in Alfa Systems 6: Truly always-on, financially coherent operation - without restriction.","spans":[{"start":0,"end":101,"type":"strong"}]},{"type":"heading3","text":"Audit-as-a-Service","spans":[]},{"type":"paragraph","text":"Alfa takes great pride in the dedicated team and robust processes it has established to deliver a secure, performant hosted application that adheres to stringent GRC (Governance, Risk, and Compliance) processes. These are the standards required of software services that represent the backbone of major financial institutions.","spans":[]},{"type":"paragraph","text":"Our dedicated information security and data protection teams ensure data remains secure, and compliance obligations are met, to the satisfaction of the most rigorous auditors. Alfa has secured ISO 27001 and 27018 certificates*, and has SOC 1 Type II and SOC 2 Type II** reports maintained by external auditors.","spans":[]},{"type":"paragraph","text":"To provide transparency and support customer audit requirements, we offer SOC 2 Type II reports and quarterly bridging letters for download via Alfa Cloud's self-service portal. To reduce the costs of auditors both internal and external, customers can request a SOC 1 Type II report on demand, making use of economies of scale within Alfa.","spans":[]},{"type":"paragraph","text":"* ISO 27001:2022; ISO 27018:2019\n** SSAE 18 SOC 2 Type II; SOC 1 Type II","spans":[{"start":0,"end":72,"type":"em"}]}]},"id":"rich_text$ee042ff9-2172-4885-939c-ac84e9cc1647","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":504},"alt":"minimize capex, forget downtime, maintain the edge, scale with confidence","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju-3EMTzAJOCpCW_scalability_do.png?auto=compress,format\u0026rect=0,0,1908,601\u0026w=1600\u0026h=504","id":"Zju-3EMTzAJOCpCW","edit":{"x":0,"y":0,"zoom":0.8386023294509152,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$2561f3bf-14f8-4c08-ac06-4dde12d2f9d0","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"New tools: Portfolio Load, and Migration","spans":[]},{"type":"paragraph","text":"Although the initial data migration is typically carried out as part of our implementation projects, Alfa's customers often need to onboard substantial portfolios from legacy systems for various reasons: a new Banking-as-a-Service offering for other finance providers, undertaking a scaled migration strategy from incumbent systems, or simply through acquisition.","spans":[]},{"type":"paragraph","text":"Leveraging their deep understanding of customer requirements, Alfa's consultants have developed innovative tooling to expedite and automate these migration processes. Several options are available for customers, tailored to suit various product types, portfolio sizes, and desired information and behaviours on Alfa Systems.","spans":[]},{"type":"heading3","text":"Change data capture through Data Pipeline","spans":[]},{"type":"paragraph","text":"Through substantial investments to enhance data and messaging scalability for external systems, Alfa introduces the Data Pipeline module, providing change data capture (CDC) capabilities for Alfa Systems' Operational Data Store (ODS).","spans":[]},{"type":"paragraph","text":"By leveraging Apache Kafka to provide an event-driven API, the module enables smooth integration into our customers' data pipelines using an event streaming pattern. This allows customers to receive data streams into their own data storage solutions, efficiently and in near real-time.","spans":[]},{"type":"paragraph","text":"Events are placed on a dedicated topic per ODS table, allowing the logical grouping of related data, and topic consumers to scale independently. Additionally, we now support Kafka as a destination for Alfa Systems' event notifications, facilitating Kafka-based consumption as an integration pattern for highly interconnected systems operating at scale.","spans":[]},{"type":"heading3","text":"Performance and quality","spans":[]},{"type":"paragraph","text":"As asset and contract volumes increase, there's a heightened demand for high-performance infrastructure and refined tooling and processes. This is to ensure that performance criteria are met, and that regressions - to both functional and non-functional requirements, stemming from new deployments - are minimised. Alfa has proactively invested in a dedicated team to enhance tooling, infrastructure and processes, aimed at facilitating the growing need for scale.","spans":[]}]},"id":"rich_text$8aedbb61-58a1-48a5-b250-c212b3a11af0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Scalability: Meeting challenge and opportunity","spans":[]},{"type":"paragraph","text":"","spans":[]},{"type":"heading3","text":"Alfa Systems 6 can transform your business, open up new revenue streams, and bring heightened productivity to your operation.","spans":[{"start":0,"end":14,"type":"strong"}]}]},"id":"rich_text$bb8fb27e-5fb9-45ae-8006-ccb94d742b5a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Opportunity: Banking-as-a-service provider","accordion_item_copy":[{"type":"paragraph","text":"As regulatory requirements become more demanding, smaller finance providers are finding it increasingly expensive to maintain the necessary software, resources, processes and capital. This presents an opportunity for larger providers to monetise the efficiency of their platforms, and capitalise on economies of scale by servicing or acquiring additional portfolios. With streamlined portfolio upload and migration capabilities, coupled with automated and flexible workflow processes, Alfa is well positioned to facilitate this transition. ","spans":[]}]},{"accordion_item_label":"Opportunity: Growth in the securitisation market","accordion_item_copy":[{"type":"paragraph","text":"As larger financial institutions navigate capital requirements, they may seek to reduce risk exposure on their balance sheets. This might entail syndicating risk from deals, or securitising entire portfolios to sell on to other institutions. In this dynamic market, those who show innovative approaches stand to generate substantial revenue.","spans":[]}]},{"accordion_item_label":"Challenge: DORA","accordion_item_copy":[{"type":"paragraph","text":"In Europe, the DORA regulations mandate that finance providers and banks certify that their software providers meet stringent expectations of scalability, reliability, and performance, alongside the governance, risk and compliance (GRC) standards set by the providers themselves. With its superior, verified ISO 27001 and SOC 1 and 2 audited GRC processes, as well as its scalable, secure platform, Alfa can enable financial institutions to meet their DORA requirements with confidence.","spans":[]}]},{"accordion_item_label":"Challenge: Competition","accordion_item_copy":[{"type":"paragraph","text":"When times are more challenging and products become more homogeneous, finance companies are compelled to vie for market share based on price, speed, or both. 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By continually investing in its base-level performance standards, Alfa and Alfa Systems continue to lead the way in the market.","spans":[]}]}],"primary":{},"id":"article_accordion$1eee65b4-8457-4c0c-9c7a-c45af1ecd84f","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Request a demo","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Make an enquiry","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry"}}],"primary":{"theme":"cobalt-100","tag":"Get in touch","title":[{"type":"heading2","text":"Discover more","spans":[]}]},"id":"action_banner$90e2c458-d01d-41c7-a9be-fa9c110764ce","slice_type":"action_banner","slice_label":null}],"seo_title":"Truly always-on, financially coherent operation - without restriction.","seo_description":"Scalability in Alfa Systems 6 presents leading-edge functionality designed for providers looking to scale their business with flexibility and speed.","seo_keywords":null,"seo_image":{}}},{"id":"ZwZ8MhAAACQA-6Si","uid":"es-efficiency","url":"/en-ap/product/article/es-efficiency","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwZ8MhAAACQA-6Si%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:32:24+0000","last_publication_date":"2024-10-17T16:34:52+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwZ6hhAAACQA-6Ie","type":"product","lang":"en-eu","uid":"es-efficiency"},{"id":"ZwZ8RBAAACIA-6TA","type":"product","lang":"en-us","uid":"es-efficiency"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwsibVsGrYSwP_R_Transition_1st_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwsibVsGrYSwP_R","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Efficiency icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/3f92c717-7022-4c30-b0c5-667383ffbcc0_01_Efficiency+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKARUAACUAhGEh","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 1: Eficiencia","subheading":"Presentación de Compose: que ofrece una experiencia de usuario totalmente optimizada, con un diseño de pantalla extremadamente personalizado.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante la eficiencia?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Cuando hablamos con nuestros clientes y, de hecho, es algo que se suele hacer habitualmente, siempre nos dicen que sus mayores retos operativos se centran en la eficiencia y en las economías de escala.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/0974d900-f56a-4f26-ab02-c0e3acfa0d5f_01_Efficiency.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"Efficiency icon tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZalemhAAACAAvMU2","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"Alfa Systems ya equipa a sus clientes con una amplia funcionalidad, que les permiten replicar y automatizar sus procesos fácilmente. Esto incluye la posibilidad de crear campos personalizados y de poder utilizar flujos de trabajo manuales y automatizados que incorporen una amplia biblioteca de reglas de negocio, para poder aprovechar la potencia de las integraciones.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Aunque nuestros clientes confían mucho en estas herramientas, también entendemos que la flexibilidad, a veces, conlleva una complejidad adicional. Se ha dado la máxima importancia a la opinión de los clientes, enfatizando la necesidad de reducir los clics y de poder optimizar los procesos de gran volumen. Para que los usuarios puedan disfrutar de lo mejor de ambos mundos, hemos puesto nuestra máxima atención en su opinión.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Presentación de Compose: con un diseño de pantalla extremadamente personalizado","spans":[{"start":16,"end":23,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Con toda la experiencia que aporta un entorno tecnológico de vanguardia, el equipo de Alfa, ha afrontado el reto de la eficiencia con una innovación realmente atractiva en el sector, a la que llamamos «Compose».","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose permite a los usuarios de Alfa Systems crear cualquier pantalla de consulta que sea necesaria, de forma altamente personalizable, para que solamente aparezca aquella información que sea esencial para la tarea en cuestión. Mediante este sistema, se mejora drásticamente el flujo de trabajo, consiguiendo reducir el tiempo de los procesos, el número de clics y la carga cognitiva, en todos los puntos de un determinado flujo de trabajo y a lo largo del ciclo de vida del contrato, entre otros muchos aspectos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Vea a Compose en acción:","spans":[],"direction":"ltr"}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"891102254","video_caption":[{"type":"paragraph","text":"Compose: con un diseño de pantalla extremadamente personalizado","spans":[],"direction":"ltr"}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Aproveche todas las ventajas de una herramienta de autodiseño, que permite arrastrar y soltar, que no necesita código y que actuará de catalizador para dotar a sus operaciones de una mayor eficiencia.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose ofrece a los clientes total flexibilidad y control, en su propia interfaz de usuario.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Imaginemos una situación en la que, a un usuario del servicio de atención al cliente y al responsable de gestionar los casos para la administración de los contratos, se les presenta una pantalla personalizada, en la que solamente aparezcan los datos del cliente, el saldo de la cuenta y cualquier otra información importante que sea necesaria, para poder gestionar ese tipo de caso en concreto. En el mismo flujo de trabajo, el responsable para la aprobación, solamente tendrá que interactuar con aquella información que considere más importante, en un entorno que le presente un diseño que sea relevante para su rol y que, a su vez, también esté complementado con los asistentes correspondientes para poder llevar a cabo las acciones necesarias.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Más adelante, cuando se gestione un caso en el que se investiguen unos pagos atrasados, el gestor de los casos, podrá pasar sin problemas a una pantalla con toda la información correspondiente sobre los pagos atrasados. Dicha pantalla, además, le ofrecerá el seguimiento que sea necesario para ese proceso en concreto.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Compose ofrece pantallas adaptables, no solamente según el tipo de caso, sino también según aquella acción que se requiera y según el grupo de usuarios.","spans":[],"direction":"ltr"}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":901},"alt":"Collections screen","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/e190280b-6812-4ac6-ab2c-e015e0fce0ab_collections-screen%402x.jpg?auto=format%2Ccompress\u0026rect=0%2C0%2C1620%2C912\u0026w=1600\u0026h=901","id":"ZWnOQBAAACMAwKjt","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Mediante una interfaz intuitiva que permite arrastrar y soltar, sin necesidad de usar código, los usuarios que deban realizar las tareas de configuración y los jefes de los equipos, podrán crear sus propias pantallas en cuestión de minutos, pudiendo añadir los componentes y las tablas que deseen, para finalmente, ponerlas a disposición de sus usuarios en tiempo real. Y todo ello, sin necesidad de redistribución. Sin reinicios.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Para crear la configuración óptima que se ajuste a un determinado caso de uso, Compose permite buscar en su biblioteca de uso frecuente, aquellos paneles y tablas que sean necesarios, para poder añadirlos a una nueva pantalla, tras lo cual, reorganizarlos se convertirá en una tarea extremadamente simple y sin esfuerzo; ya que la interfaz es muy intuitiva y permite arrastrar y soltar. Después de previsualizar la pantalla y de terminar de diseñarla, se puede seleccionar en el estado del flujo de trabajo o en el elemento del menú correspondiente, tras lo cual, ya quedará lista para poder usarla.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Dados estos niveles de personalización sin precedentes en la interfaz de usuario, podemos afirmar con absoluta certeza que, Compose, representa una importante primicia tecnológica en el sector. ","spans":[],"direction":"ltr"}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"metal-05","copy":[{"type":"heading2","text":"¿Por qué hay que seguir aguantando la ineficiencia que implica tener que solicitar cambios en las pantallas personalizadas o tener que molestarse con «desarrollos que impliquen poco código», cuando se pueden crear pantallas personalizadas propias, sin ningún esfuerzo?","spans":[],"direction":"ltr"}]},"id":"text_banner$4dfd3e9f-ee50-41b7-928f-527a82217735","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Eficiencia: aún mejor en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"La eficiencia que ofrece Alfa Systems 6: proporciona una experiencia de usuario totalmente optimizada, con un diseño de pantalla extremadamente personalizado","spans":[],"direction":"ltr"}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Paneles para el control y la gestión de los casos","accordion_item_copy":[{"type":"paragraph","text":"Para los gestores de los casos (por ejemplo, para aquellos gestores que se encargan de los casos relativos a los cobros), la eficiencia, puede aumentarse gracias a su capacidad para poder clasificar los casos, en virtud de los campos que representen a los pagos atrasados y gracias a su capacidad de poder realizar acciones masivas, que permitan garantizar una asignación óptima a dichos casos, pudiendo además, redistribuir las colas de trabajo, en función de la carga existente del mismo.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Optimización de vanguardia del flujo de trabajo, mediante la inteligencia artificial (IA)","accordion_item_copy":[{"type":"paragraph","text":"Introduciendo los datos de los registros del sistema y datos de origen telemático en un modelo de aprendizaje automático, les ayudamos a comprender como crear y actualizar procesos más eficientes; como por ejemplo, para revisar los procesos que incluyen un usuario que debe aprobar la tarea realizada por otro usuario.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Modelo de desarrollo de Alfa","accordion_item_copy":[{"type":"paragraph","text":"La eficiencia en los procesos de nuestros clientes se fomenta mediante un desarrollo ágil e iterativo y la responsabilidad por nuestro producto, inspirándose en las topologías de equipo. El objetivo del modelo de desarrollo interno de Alfa, consiste en optimizar continuamente la forma en la que ofrecemos los cambios del software a nuestros clientes. Para ello es fundamental mejorar el Flujo de Trabajo: la rapidez y la eficiencia con la que circula el trabajo de alta calidad en nuestra organización. Nuestra atención al flujo de trabajo nos permite reaccionar de una forma más rápida y orientarnos hacia el producto, ofreciendo un mayor valor añadido a nuestros clientes.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$ef81db09-5d40-49f5-a908-0a86688de4aa","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Afrontamos con decisión los retos y oportunidades","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Alfa Systems 6 puede transformar su negocio, para abrir nuevas fuentes de ingresos y aumentar la productividad de sus operaciones.","spans":[],"direction":"ltr"}]},"id":"rich_text$5e795c2e-1096-490f-ab2a-542a29dfddfe","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: escalabilidad","accordion_item_copy":[{"type":"paragraph","text":"Aumentar la eficiencia operativa de las empresas financieras les permite beneficiarse de las ventajas de las economías de escala. Esto, a su vez, también permite facilitar la asignación de los recursos y una escalabilidad más flexible. La ampliación de la oferta de los productos se puede simplificar gracias a la creación de nuevas pantallas, adaptadas a los distintos tipos de productos sin necesidad de generar código o implementarlo. Y todo ello, integrado fácilmente, a golpe de un solo clic. Todo esto simplifica y reduce los costes de puesta en marcha de nuevas gamas de productos.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: capacidad multitarea","accordion_item_copy":[{"type":"paragraph","text":"La mano de obra emergente se destaca por su capacidad de poder afrontar un entorno multitarea, lo cual indica una tendencia hacia posibles cambios para facilitar la gestión de múltiples áreas de productos y de procesos. El desarrollo de pantallas personalizadas para cada proceso empresarial, facilita enormemente la transición necesaria hacia esta forma de trabajar, permitiendo, además, minimizar las necesidades de formación.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: la necesidad de reducir los costes operativos","accordion_item_copy":[{"type":"paragraph","text":"A medida que aumenta el coste del capital y se intensifican las exigencias de carácter normativo, también se vuelve esencial, que las empresas financieras deban reducir sus costes operativos, para poder mantener su competitividad. Dicha evolución, está marcada por la adopción de los nuevos tipos de productos y por aquellos modelos de negocio que sean mejores, para poder mantener los márgenes, lo cual, indefectiblemente, ha aumentado la complejidad de los procesos empresariales. Para desenvolverse en este entorno dominado por la complejidad, es fundamental que se mantenga siempre la simplicidad de la información, tanto en el servicio de atención al cliente, como en los departamentos financieros.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d1d7b710-4c23-408c-a308-3f8cee7ef38b","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$ee09d2e7-2001-4daa-9e14-17eed0b9ce76","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"Zwe_lBAAACUA_XNe","uid":"es-collaborative-ecosystem","url":"/en-ap/product/article/es-collaborative-ecosystem","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Zwe_lBAAACUA_XNe%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:38:01+0000","last_publication_date":"2024-10-17T16:38:01+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Zwe_rhAAACQA_XOT","type":"product","lang":"en-us","uid":"es-collaborative-ecosystem"},{"id":"Zwe63hAAACMA_WwO","type":"product","lang":"en-eu","uid":"es-collaborative-ecosystem"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwsiLVsGrYSwP_Q_Transition_6th_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwsiLVsGrYSwP_Q","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Collaborative Ecosystem icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/9863c7ed-76af-4167-a9d6-8220510ea326_05_Colllaborative+Ecosystem+Flat.png?auto=format,compress\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVK0BUAACUAhGL_","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 6: Ecosistema colaborativo","subheading":"Para proporcionar una integración sencilla con las innovaciones del mercado y a través de la red de socios de confianza de Alfa.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$ebb85e28-8aa9-47c2-a98a-55f2ababc12c","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante un ecosistema colaborativo?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Un ecosistema colaborativo en Alfa Systems 6 permite a los clientes aprovechar la experiencia y las mejores prácticas de Alfa para obtener e integrar nuevas tecnologías, lo cual facilita la creación de soluciones integrales personalizadas.","spans":[{"start":3,"end":45,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Al potenciar a Alfa Systems y a sus clientes con soluciones que proporcionan funciones y valor tangibles, el ecosistema colaborativo está diseñado para:","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8R0aI3ufuUQLS_Collaborative_Ecosystem_tile.png?auto=format%2Ccompress\u0026rect=0%2C1%2C549%2C549\u0026w=150\u0026h=150","alt":"collaborative ecosystem tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8R0aI3ufuUQLS","edit":{"x":0,"y":1,"zoom":1,"background":"transparent"}},{"type":"list-item","text":"Permitir un acceso eficaz a las nuevas tecnologías: El nuevo software y los servicios se pueden integrar fácilmente en el núcleo de la plataforma Alfa Systems 6 gracias al amplio catálogo de API REST de Alfa, los SPI diseñados eficientemente y la tecnología vanguardista de transferencia de datos. Al trabajar con nuestros arquitectos y socios acreditados, se pueden conseguir potentes integraciones con tecnología actualizada, y al mismo tiempo, puede crear su propia plataforma personalizada, además de ayudar a impulsar la innovación dentro de su organización.","spans":[{"start":0,"end":50,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Aprovechar los conocimientos y la experiencia de Alfa: La red de consultores y expertos técnicos de Alfa colabora para crear una amplia base de conocimientos sobre casos prácticos y soluciones de integración, lo cual ayuda a los clientes a ajustar sus opciones y a comprender las mejores prácticas.","spans":[{"start":0,"end":53,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Acceder a personal local experto y formado: El ecosistema colaborativo de Alfa va más allá de las colaboraciones de software; nuestras alianzas para el proceso de entrega ofrecen a los clientes acceso a personal local totalmente formado en la configuración y los procesos de Alfa Systems, que además cuentan con el asistente de inteligencia artificial de Alfa, AskThea.","spans":[{"start":0,"end":42,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Vea el Ecosistema colaborativo en acción:","spans":[{"start":4,"end":31,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$9ae6e55b-dc34-4cc2-b7b0-6d0bbd0539ca","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"1009850607","video_caption":[{"type":"paragraph","text":"Alfa Systems 6: Ecosistema colaborativo","spans":[],"direction":"ltr"}]},"id":"article_video$657f3317-d2dc-4ab7-a7cc-1fad95c429c6","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"\"Con Alfa Systems 6, seguimos centrados en ofrecer capacidades tecnológicas de vanguardia a nuestros clientes. Sus numerosas opciones de configuración y sus API ampliables permiten crear soluciones innovadoras y personalizables que se adaptan fácilmente a las exigencias del futuro.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"\"El Ecosistema colaborativo no solo facilita el acceso a las nuevas tecnologías mediante nuestra estructura sólida de API y nuestras tecnologías punteras de transferencia de datos, sino que también aprovecha nuestra red de consultores y expertos técnicos para ofrecer un apoyo y una información inigualables\". Además, estamos a su disposición para guiarle en cada paso del proceso\".","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, director técnico de Alfa"},"id":"article_quote$cea594f7-5b2c-481a-aa88-284535e74294","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Presentación del Ecosistema colaborativo en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ninguna solución luce por sí sola, y aunque Alfa Systems 6 destaca a la hora de satisfacer sus necesidades, su verdadero potencial se revela a través de la colaboración con socios y soluciones sinérgicas.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Uno de los Valores fundamentales de Alfa, “Hacerlo Mejor Juntos”, se aplica más allá de los conceptos de trabajo en equipo y colaboración, ya que incorpora también software y servicios complementarios. Solamente aprovechando las diversas fortalezas podemos alcanzar la excelencia.","spans":[{"start":11,"end":40,"type":"hyperlink","data":{"id":"Y1q7vREAACMABeso","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-02-09T09:13:32+0000","uid":"purpose-and-values","url":"/en-ap/about/purpose-and-values","link_type":"Document","isBroken":false}},{"start":43,"end":64,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$a7734bc1-7ebb-4a71-b662-c01e3c90c4c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"theme":"cobalt-10","copy":[{"type":"heading2","text":"Los sistemas modulares de fácil integración, situados en el núcleo de un ecosistema de sistemas interconectados, generan beneficios económicos en todo el sector.","spans":[],"direction":"ltr"}]},"id":"text_banner$4a62d80c-94a8-4d04-b386-a350d20ceb03","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Con estos principios en mente, nuestra estrategia de producto no consiste en conseguirlo todo, sino en desarrollar un profundo conocimiento del panorama del software que complementa nuestro producto. Esto nos permite ofrecer soluciones muy personalizadas a nuestros clientes. Como proveedor de plataformas tecnológicas, nuestra responsabilidad va más allá de estudiar y evaluar estas opciones; también garantizamos una integración perfecta, dando a nuestros clientes acceso sin esfuerzo a una gama completa de soluciones de software.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 ofrece las siguientes características:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Un conjunto ampliable de API modernas, compatibles con casos de uso de integración que abarcan el ciclo de vida completo de un contrato de financiación de activos. El potente flujo de trabajo, los webhooks y las reglas de negocio de Alfa Systems 6 le permiten organizar todo su ecosistema. Implemente y gestione las integraciones de forma fácil y directa desde Alfa Systems a través de la configuración, de esta forma se eliminará la necesidad de desarrollo por parte de proveedores.","spans":[{"start":0,"end":37,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Data Pipeline, que proporciona flujos de eventos de captura de datos de cambios (CDC) para una transferencia de datos rápida y en tiempo real. Gracias a Apache Kafka, el estándar del sector para el flujo de datos en tiempo real, CDC permite una conectividad eficiente de los datos de informes operativos de Alfa Systems 6 con las plataformas de datos y BI.","spans":[{"start":0,"end":142,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Acceso impecable al ecosistema de AWS a través de Alfa Cloud. Benefíciese de herramientas tecnológicas de vanguardia, como las utilizadas para crear el asistente de inteligencia artificial de Alfa, AskThea. Integre de forma segura estas herramientas en su ecosistema para impulsar la innovación y la eficiencia.","spans":[{"start":0,"end":62,"type":"strong"},{"start":198,"end":205,"type":"hyperlink","data":{"id":"Zwe6rhAAACQA_WvB","type":"product","tags":[],"lang":"en-ap","slug":"fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos.","first_publication_date":"2024-10-17T16:37:36+0000","last_publication_date":"2024-10-17T16:37:36+0000","uid":"es-intelligent-automation","url":"/en-ap/product/article/es-intelligent-automation","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$0b85705c-2443-4567-b344-849af9f8d89e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Soluciones de integración de vanguardia en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"heading3","text":"1. API modernas, webhooks y colaboraciones de integración","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 ofrece un conjunto de servicios web contundente con más de 200 endpoints, lo cual expone su amplia funcionalidad a sistemas externos, facilita una integración perfecta y permite que las aplicaciones aprovechen Alfa Systems 6 a modo de motor integral de administración financiera y de cartera.","spans":[],"direction":"ltr"}]},"id":"rich_text$4fe325d1-9095-4faf-a54e-5e3b0e5714c3","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":614},"alt":"Modern APIs, webhooks and integration partnerships","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugSZrVsGrYSvZAV_AS6_6CE_webservices.svg","id":"ZugSZrVsGrYSvZAV","edit":{"x":1,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Modern APIs, webhooks and integration partnerships in Alfa Systems 6","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$85b0e78d-c803-4528-aa0f-f5d62956d617","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Amplia cobertura de endpoints","accordion_item_copy":[{"type":"paragraph","text":"Con más de 200 endpoints disponibles en todos los procesos empresariales, no hay limitaciones en el volumen de llamadas, lo que garantiza la escalabilidad y la flexibilidad en los escenarios de integración.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Paridad funcional","accordion_item_copy":[{"type":"paragraph","text":"La funcionalidad expuesta a través de los servicios web mantiene la paridad con las características disponibles en la interfaz de usuario, lo cual ofrece coherencia y permite una transición fluida entre los procesos basados en la interfaz de usuario y los automatizados.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Granularidad","accordion_item_copy":[{"type":"paragraph","text":"La granularidad de los endpoints de los servicios web permite un control preciso y un acceso detallado a funcionalidades específicas, lo que aumenta la flexibilidad y las opciones de personalización.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Versiones y compatibilidad con versiones anteriores","accordion_item_copy":[{"type":"paragraph","text":"Los servicios web de Alfa Systems 6 se han diseñado teniendo en cuenta las versiones y la compatibilidad con versiones anteriores, lo que garantiza una transición fluida durante las actualizaciones o cambios del sistema.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Compatibilidad","accordion_item_copy":[{"type":"paragraph","text":"Los servicios web incluyen funciones integradas para facilitar la asistencia a las aplicaciones, lo que facilita la resolución de problemas y el mantenimiento de la estabilidad del sistema.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Normas de documentación","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems 6 proporciona documentación completa para sus servicios web, lo cual incluye especificaciones OpenAPI, WSDLs y documentación basada en Swagger. Esta documentación garantiza la claridad, la facilidad de integración y la optimización de los procesos de desarrollo de sistemas externos.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Flexibilidad del protocolo","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems es compatible con los protocolos REST/JSON y SOAP/XML, lo que satisface las diversas necesidades de integración y permite a los desarrolladores elegir el enfoque más adecuado para sus aplicaciones.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d2d5b4b2-f946-4651-9067-90931ffa63cf","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 ofrece una gama de integraciones sincronizadas con sistemas externos, que pueden activarse directamente desde la plataforma, funcionando como integraciones de proveedores de servicios (SPI). Estos SPI facilitan conexiones impecables, lo cual permite un intercambio de datos eficaz y en tiempo real entre Alfa Systems 6 y plataformas externas. A continuación se muestran algunos de los muchos SPI estándar que utilizan actualmente nuestros clientes:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Gestión de documentos. Se integra con un almacén de documentos para cargar y recuperar documentos.","spans":[{"start":0,"end":21,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Búsqueda de clientes. Se integra con sistemas empresariales, por ejemplo un CRM, para recuperar información sobre los clientes.","spans":[{"start":0,"end":20,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Validación de la cuenta bancaria. Valida los datos de la cuenta bancaria, como los números de cuenta y de ruta.","spans":[{"start":0,"end":32,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Decisiones de crédito. Solicita métricas de decisión de crédito a un sistema externo para la decisión de crédito automatizada.","spans":[{"start":0,"end":21,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Este patrón de integración flexible le permite conectar Alfa Systems 6 sin problemas con la solución del proveedor de su elección, eliminando la necesidad de desarrollo personalizado.","spans":[],"direction":"ltr"}]},"id":"rich_text$93049293-5153-42ac-9765-982645ad4704","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"Estudio de caso: automatización de los periodos de gracia","spans":[],"direction":"ltr"},{"type":"paragraph","text":"El creciente volumen de solicitudes de periodos de gracia en el sector ha impulsado la demanda de una mayor automatización. El versátil conjunto de herramientas de integración de Alfa Systems 6 ofrece la flexibilidad necesaria para explorar e implementar soluciones automatizadas para los procesos existentes.","spans":[],"direction":"ltr"}]},"id":"rich_text$0fa01778-fc00-4ea7-b0e5-e25268f3a1b8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":1392},"alt":"payment holiday case study","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugnILVsGrYSvZNH_AS6_6CE_payment_holiday.svg","id":"ZugnILVsGrYSvZNH","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Una integración con éxito que tuvo lugar en todo el ecosistema, que transformó un proceso de horas a minutos","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$ae0a6a97-62c1-4df8-a084-38cc6a48fd35","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Este ejemplo muestra una integración con éxito en todo el ecosistema, que aprovecha los portales digitales, las herramientas de toma de decisiones y la correspondencia con los clientes. Al utilizar la amplia funcionalidad de Alfa Systems 6, que incluye servicios web, reglas empresariales y gestión de flujos de trabajo, hemos organizado un proceso que abarca todo el ecosistema técnico.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Esta integración impecable permite una capacidad integral totalmente digital, que permite a los clientes solicitar y procesar los periodos de gracia con tan solo unos clics, transformando un proceso que tardaba horas en uno que se realiza en cuestión de minutos. A los clientes finales se les concedió la comodidad de utilizar la función de autoservicio en los periodos de gracia directamente a través del portal en línea, lo que llevó a una reducción sustancial de las consultas a los centros de llamadas, optimizando así las operaciones y mejorando la experiencia general del cliente.","spans":[{"start":261,"end":262,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$66f813d2-52dd-4247-b7e5-460c5ff28936","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Transmisión de datos en tiempo real","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En Alfa somos plenamente conscientes de que nuestros clientes utilizan los sistemas Alfa como un componente de un panorama tecnológico más amplio. Por consiguiente, además de las API de datos en tiempo real, los informes integrados en la aplicación y el Almacén de Datos Operativos (ODS), que forman parte del conjunto de funciones básicas de Alfa Systems 6, Alfa ha creado un servicio de transmisión de eventos que proporciona captura de cambios de datos (CDC), basado en Apache Kafka.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZucqsrVsGrYSvYEE_AS6_6CE_quicksight.png?auto=format,compress","alt":"A representation of downstream data in Amazon QuickSight","copyright":null,"dimensions":{"width":512,"height":311},"id":"ZucqsrVsGrYSvYEE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Este servicio proporciona un flujo continuo de eventos de datos de informes en tiempo real, lo que permite a los clientes combinar fácilmente sus datos de informes de Alfa Systems en tiempo real con los de otros sistemas en un repositorio central o almacén de datos, lake o lakehouse. A partir de ahí, pueden aprovechar las herramientas de BI de toda la empresa para obtener información más precisa e informes operativos.","spans":[],"direction":"ltr"}]},"id":"rich_text$33ef6c41-18e3-48c9-9025-4e7e22249fe6","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. Acceso al ecosistema y mercado de AWS mediante Alfa Cloud","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La rápida evolución de la inteligencia artificial ha dado paso a una oleada de nuevas herramientas tecnológicas que han transformado el funcionamiento y la innovación de las empresas. Al estar posicionada en el ecosistema de AWS, Alfa Cloud (la solución SaaS estandarizada, de inquilino único y nativa en la nube de Alfa) pone los últimos avances a su alcance. Este acceso continuo es crucial, ya que el panorama tecnológico evoluciona continuamente y ofrece nuevas oportunidades para aumentar tanto la eficiencia como la eficacia.","spans":[{"start":230,"end":240,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=format,compress","alt":"Alfa cloud logo","copyright":null,"dimensions":{"width":11102,"height":3565},"id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Como se destaca en el Pilar 4: Escalabilidad, Alfa Cloud está diseñada para clientes que buscan escalar su oferta eficientemente, tanto dinámicamente como cuando sea necesario.","spans":[{"start":22,"end":44,"type":"hyperlink","data":{"id":"Zwel8BAAACUA_UyY","type":"product","tags":[],"lang":"en-ap","slug":"fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos.","first_publication_date":"2024-10-17T16:37:08+0000","last_publication_date":"2024-10-17T16:37:08+0000","uid":"es-scalability","url":"/en-ap/product/article/es-scalability","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Las tecnologías punteras y los servicios automatizados permiten a los clientes lanzar al mercado soluciones innovadoras que garantizan un rendimiento óptimo, no solo en las operaciones diarias, sino también durante periodos de alta demanda con procesos que consumen muchos recursos.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/f4f49be4-c6ec-43e4-b861-18e5ed4c50c0_AWS+Partner+Logos.png?auto=format,compress","alt":"logos showing Partner and Qualified Software status for AWS","copyright":null,"dimensions":{"width":2671,"height":1242},"id":"ZONsJRAAACQAxMb7","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Elegir Alfa Systems 6 le da acceso a una amplia gama de servicios y herramientas de AWS, en constante expansión, dentro de un entorno totalmente integrado, ya conectado en la nube. Independientemente de dónde se aloje el resto de su tecnología, el uso de Alfa Cloud elimina la necesidad de explorar los límites de la red interna, lo que permite una adaptación más fluida a las cambiantes demandas tecnológicas y mantiene los sistemas a la vanguardia de la innovación.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Estos conjuntos de herramientas en rápida evolución permiten combinar innovación y creación de prototipos para producir soluciones revolucionarias. Esto permite a Alfa ofrecer soluciones técnicas y funcionales actualizadas, sin partir de cero.","spans":[],"direction":"ltr"}]},"id":"rich_text$f7a4ae63-2c06-4514-a59f-ebe8cb81fa60","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"La inteligencia artificial como servicio en el ecosistema colaborativo: caso de uso:","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En los últimos años, han surgido varias soluciones basadas en la inteligencia artificial, diseñadas para automatizar el proceso comercial de originación. Una reciente prueba de concepto permitió a Alfa aprovechar estos avances, junto con servicios clave de AWS, para automatizar la mayor parte del proceso de financiación.","spans":[],"direction":"ltr"}]},"id":"rich_text$4db8db20-6db0-42e4-899f-173dc70e5ba8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":839},"alt":"The funding journey, orchestrated in Alfa Systems 6","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZugjrbVsGrYSvZKy_AS6_6CE_digital.svg","id":"ZugjrbVsGrYSvZKy","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[{"type":"paragraph","text":"Contratación digital: El proceso de financiación, organizado en Alfa Systems 6","spans":[],"direction":"ltr"}],"hero_image":false},"id":"article_image$82051537-ea73-4bc2-a7c1-174b640737b7","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"El flujo de trabajo de Alfa Systems 6 organiza todo el proceso de forma integral, lo cual permite a los clientes configurarlo y adaptarlo a sus necesidades específicas. Y lo que es más importante, la solución no está vinculada a proveedores específicos, por lo que ofrece extensibilidad y flexibilidad para incorporar servicios nuevos y mejorados a medida que surjan en el mercado.","spans":[{"start":0,"end":37,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Aspectos más destacados:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Una vez capturada la cotización, los datos del cliente se envían a las soluciones KYC, Fraude y Capacidad Adquisitiva para su verificación. El flujo de trabajo activa automáticamente la verificación manual adicional cuando se alerta información pertinente, utilizando las reglas de negocio de Alfa Systems 6 para automatizar la toma de decisiones.","spans":[],"direction":"ltr"},{"type":"list-item","text":"La correspondencia con los clientes y las actualizaciones de CRM son gestionadas por la solución de grupo, con metadatos enviados desde Alfa Systems 6 en un paso específico del flujo de trabajo. La automatización es aún mayor gracias a las funciones integradas de firma electrónica.","spans":[],"direction":"ltr"},{"type":"list-item","text":"El tratamiento y la clasificación de documentos en el paquete contractual, por ejemplo, las facturas y la identificación de proveedores, es un territorio de automatización de primer orden. Nuestra prueba de concepto utilizó los servicios de AWS y la inteligencia artificial a través de modelos lingüísticos de gran tamaño de nivel avanzado para automatizar la clasificación y validación de dichos documentos, garantizando dinámicamente que se alinean con el contrato almacenado en Alfa Systems 6.","spans":[],"direction":"ltr"}]},"id":"rich_text$041602f9-0d45-473c-8fb4-8450ea267f0e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Systems 6: El orquestador","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/6a1e0967-0dca-4534-9d0c-cc09e87eaefb_digital-directions-3-report-cover.png?auto=format%2Ccompress\u0026rect=0%2C0%2C960%2C960\u0026w=175\u0026h=175","alt":"Digital Direction 3 report - Cover","copyright":null,"dimensions":{"width":175,"height":175},"id":"Y4YDahEAACQAPI1_","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Elaborado en 2022, Digital Directions 3: creación de un ecosistema digital para la financiación de activos se basó en las aportaciones de los expertos del sector para comprender un futuro en el que el potencial de la tecnología no se canaliza a través de operadores individuales, sino por muchos participantes, que colaboran para ofrecer un nuevo valor que supere la suma de sus partes. ","spans":[{"start":19,"end":106,"type":"em"},{"start":19,"end":106,"type":"hyperlink","data":{"id":"Y1q5txEAACEABeAq","type":"article","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:13:42+0000","last_publication_date":"2024-02-09T10:39:56+0000","uid":"digital-directions-series","url":"/en-ap/news-and-insights/digital-directions-series","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"Ofrecimos una visión del papel emergente de los proveedores de tecnología como orquestadores de ecosistemas, identificamos varios tipos de ecosistemas y debatimos las oportunidades de utilización para satisfacer las necesidades de los sectores de la financiación de automóviles y equipos.","spans":[],"direction":"ltr"}]},"id":"rich_text$19737caa-acad-4a4a-b5e1-ea3d80df20d9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"Surge un nuevo papel para el orquestador, que actúa como un director de orquesta, haciendo que cada participante trabaje de forma eficaz y armoniosa con los demás, igual que un director intenta que los instrumentos de viento trabajen con los de cuerda.","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$bf372e2e-d6f9-4b5c-975c-a8cec3c388f9","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Con sus capacidades sólidas de flujo de trabajo y sus API y webhooks potentes, Alfa Systems 6 se ha convertido en ese orquestador: acelerando significativamente el proceso de financiación, proporcionando decisiones en segundos tan pronto como la logística de entrega lo permite.","spans":[],"direction":"ltr"}]},"id":"rich_text$aeb61c0b-42de-40e3-bc75-04155c36ee8e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"El \"ecosistema simbiótico\" es el modelo más común que utilizan empresas tecnológicas punteras como Alfa. El proveedor de la plataforma tecnológica suele actuar como orquestador, creando o coordinando una comunidad de soluciones tecnológicas que se ajustan a las normas establecidas por el proveedor de la plataforma dominante.","spans":[],"direction":"ltr"}],"author":"Digital Directions 3"},"id":"article_quote$75a435a7-79a4-44ce-8f94-199d400cdd4a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Ecosistema colaborativo: afrontar con decisión retos y oportunidades","spans":[],"direction":"ltr"}]},"id":"rich_text$aef6e6b0-6b07-4bea-bee7-ffedcbd367a8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: integración de la facturación electrónica en las originaciones","accordion_item_copy":[{"type":"paragraph","text":"Las nuevas normativas sobre facturación electrónica y declaración del IVA para las transacciones transfronterizas en Europa no necesariamente racionalizarán todo el panorama mundial de la facturación, dado que cada país mantiene sus propias normas. Por ejemplo, el Reino Unido no exige el cumplimiento de la norma PEPPOL, ni siquiera para las transacciones transfronterizas.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La diversidad de normas y formatos entre los distintos regímenes ofrece la oportunidad de agilizar el cumplimiento mediante la integración con una solución de facturación electrónica que proporcione los datos estructurados necesarios directamente a los intermediarios gubernamentales. Asimismo, los modelos lingüísticos de gran tamaño (LLM) basados en la nube y los servicios de extracción de texto pueden extraer y simplificar los datos de las facturas al margen de estas normativas, para apoyar el análisis y la elaboración de informes.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: necesidad de flexibilidad","accordion_item_copy":[{"type":"paragraph","text":"Las empresas siguen enfrentándose a niveles significativos de incertidumbre, con el impulso de soluciones sostenibles que a menudo chocan con las necesidades a corto plazo y el reto de verificar casos empresariales claros. En consecuencia, los proveedores de financiación de equipos y automóviles deben aumentar su agilidad para sortear esta incertidumbre. Esto implica probar nuevos productos y procesos, como productos basados en el uso, ofertas XaaS y soluciones basadas en suscripciones.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Para lograr esa agilidad es preciso aprovechar la tecnología a bajo coste, lo que permite a las empresas experimentar, crear prototipos y determinar qué soluciones se ajustan a sus objetivos y a la demanda del mercado. Por ejemplo, algunas empresas que exploraban modelos XaaS descubrieron que los arrendamientos de duración flexible con facturación basada en el uso encajaban mejor. Se logró un resultado de éxito al asociar un proveedor telemático, que realiza el seguimiento de cada activo, con la API de Alfa Systems, lo que demuestra cómo la iteración rápida y la agilidad pueden ofrecer resultados sorprendentes.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: tecnología en rápida evolución","accordion_item_copy":[{"type":"paragraph","text":"La teoría de la destrucción creativa de Schumpeter está teniendo lugar de manera manifiesta: los rápidos avances tecnológicos están obligando tanto a las empresas tecnológicas como a las financieras a desarrollar la capacidad, la resiliencia y la madurez necesarias para seguir el ritmo.","spans":[{"start":0,"end":50,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.cmu.edu/epp/irle/irle-blog-pages/schumpeters-theory-of-creative-destruction.html","target":"_blank"}}],"direction":"ltr"},{"type":"paragraph","text":"Para las empresas financieras, el análisis de la inteligencia artificial basada en la nube y otras herramientas para impulsar la innovación y crear nuevas funciones significa que necesitan proveedores de tecnología con un historial probado de innovación y evolución continuas; socios en los que puedan confiar para que les ofrezcan resultados durante décadas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: las expectativas de los clientes","accordion_item_copy":[{"type":"paragraph","text":"Las expectativas de los clientes siguen evolucionando, impulsadas por un mayor conocimiento de las capacidades de la tecnología y la prevalencia de ecosistemas de alto concepto y estrechamente integrados en la vida cotidiana, desde los debates en torno a ChatGPT hasta los sofisticados servicios integrados incorporados en iOS y Android.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Tanto si sus clientes son consumidores, pymes, empresas o incluso partes interesadas internas, es probable que se desvinculen si no utiliza las nuevas tecnologías de forma eficaz para ofrecerles la experiencia cohesionada e integrada que ahora esperan. Un ecosistema flexible le permite satisfacer estas demandas incorporando las mejores tecnologías y adaptándose a la evolución del mercado.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$e1cf7da1-40ad-4044-88c6-76aae2d2ffb2","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$a8f9726b-e8b4-4c09-88f1-3d0044d0a717","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwaGVBAAACMA-7Pq","uid":"es-total-capability","url":"/en-ap/product/article/es-total-capability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwaGVBAAACMA-7Pq%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:35:55+0000","last_publication_date":"2024-10-17T16:35:55+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwaGaxAAACMA-7QM","type":"product","lang":"en-us","uid":"es-total-capability"},{"id":"ZwZ8cRAAACIA-6UD","type":"product","lang":"en-eu","uid":"es-total-capability"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zvwsg7VsGrYSwP_L_Transition_2nd_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"Zvwsg7VsGrYSwP_L","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Total Capability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/0ef2cceb-1f0a-47e7-8eb7-6c48deb09144_02_Total+Capability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVJNhUAACYAhF8_","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 2: Capacidad total","subheading":"Para satisfacer las complejas exigencias del ciclo de vida integral, de aquellos proveedores financieros que han demostrado tener éxito.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante poder actuar con capacidad total?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 continúa realizando un papel fundamental como plataforma central, sobre la que se organizan ecosistemas para la financiación de los activos. En una era de lagos de datos y APIs, a la hora de implementar múltiples sistemas, las opciones nunca han sido mayores para los proveedores.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/42949070-2aeb-4e7b-9c69-1bc0e24a6e57_02_Total+Capability.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"Total Capability icon tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZalaSxAAACEAvL0J","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"No obstante, si se lleva a cabo de forma ineficaz, pueden conllevar costes y esfuerzos considerables (por ejemplo, utilizando distintas plataformas de software, para las diferentes líneas de negocio o procesos). Esto se puede manifestar en una la falta de sincronización entre los precios de los contratos cotizados y los contratos activos, así como en un elevado tiempo de incorporación de proveedores y mapeo de datos. Además, también puede observarse dicha ineficiencia, en la intensificación de las vulnerabilidades, los requisitos de las auditorías, las pruebas y otras complejidades relativas a las interacciones entre la API y el sistema.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"El equilibrio entre la eficiencia operativa y la riqueza de las capacidades, plantea un reto a los responsables que están a cargo de la selección de los sistemas. La consolidación de sus procesos y de las líneas de negocio, en una única plataforma de gran eficiencia, como Alfa Systems 6, ofrece un conjunto completo de ahorro de costes, un aumento de la eficiencia sin precedentes y una enorme capacidad de funciones.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Presentación de Total Originations en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En 2024 y como parte de Alfa Systems 6, Alfa ha lanzado un producto de la familia Originations, que está completamente orientado hacia las necesidades del mercado. Dicho producto incluye préstamos directos e indirectos, desde la cotización hasta la financiación y, además, representa una parte integrada de la plataforma de Alfa Systems; gracias a lo cual, los clientes pueden aprovechar la capacidad total que les aporta Alfa Systems.","spans":[{"start":0,"end":435,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Alfa ha sabido responder eficazmente a los cambiantes requisitos del mercado, así como a las opiniones de los clientes, ampliando las funciones de su producto Originations, para que aporte realmente una solución vanguardista y de primera calidad, que pueda ocupar un lugar fundamental en el núcleo de su empresa; ya que permite operar con un único sistema que incorpora las potentes capacidades que aportan Originations, Servicing y Collections (en lo relativo al origen, a los servicios y a los cobros).","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Vea a Total Originations en acción:","spans":[{"start":6,"end":24,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"903237123","video_caption":[{"type":"paragraph","text":"Total Originations en Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$4373ace9-1fea-41ac-8652-ef94a8a664ca","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Capacidad total, a lo largo de todo el proceso de origen y más allá del mismo.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Las funciones que Alfa ha aportado a Originations, son las mejores de su categoría y están plenamente consolidadas, en una serie de marcas de reconocido prestigio y con gran presencia internacional. Dichas funciones, aprovechan un sólido conjunto de herramientas, que incluyen la gestión: de las campañas, de los presupuestos complejos, de las condiciones de suscripción y de crédito, instantáneas de los créditos en un momento determinado, aprobaciones de las líneas de crédito y un potente motor de decisiones de crédito. Y todo ello también disponible en un conjunto de flexibles APIs.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En estos momentos, estamos siendo testigos de un cambio dinámico en el panorama del mercado. Además de existir una tendencia al alza en la concesión de los préstamos directos (puede consultar más adelante información al respecto), la aparición de los nuevos tipos de activos, aunque no todos ellos estén sustentados en agentes o concesionarios, representa un factor de peso a tener en cuenta. Hay una mayor accesibilidad a los datos de los clientes, con la creciente aceptación de las fuentes de datos modernas, como Open Banking, lo que facilita la expansión segura de los volúmenes originación.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La adopción de tecnologías innovadoras, está potenciando de manera evidente la automatización, lo cual ha conseguido dar paso a una nueva era de eficiencia. Los usuarios pueden beneficiarse de integraciones fáciles e invisibles con proveedores de servicios personalizados, aportando soluciones tan eficaces como, por ejemplo, la lectura inteligente de los documentos. El uso de las capas de integración sin código, así como de los flujos de trabajo y de las reglas que incorporan la lógica empresarial, puede agilizar aún más los procesos. Los metadatos de los documentos o los datos provenientes de las políticas KYC (relativas a conocer a los clientes) pueden compararse con los datos de las instantáneas de crédito tomadas en un determinado momento o con las reglas de negocio que activan los flujos de trabajo automatizados. También pueden ser usados por los motores de decisión de crédito y los sistemas de calificación para da lugar a respuestas rápidas y automatizadas para una gran proporción de las decisiones. Este mayor nivel de automatización libera recursos de gran valía, permitiendo que los usuarios puedan ocuparse de operaciones más complejas y con mayores márgenes.","spans":[],"direction":"ltr"}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Empresa financiera, Agente, Suscriptor, Equipo para las nuevas actividades de negocios","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZwZ41oF3NbkBXD8i_Spanish_5760x3240px.png?auto=format,compress\u0026rect=0,0,5760,3240\u0026w=1600\u0026h=900","id":"ZwZ41oF3NbkBXD8i","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$92e6f302-5f7b-4f43-b179-269ac84e2b4a","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Explotación de nuevos canales de préstamos directos","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En Estados Unidos, la tendencia a aumentar las ventas directas y, por tanto, también los préstamos, está ganando gran popularidad con el crecimiento de las ventas de los vehículos eléctricos y con el deseo de poder controlar las relaciones con los clientes. Un ejemplo de esto es Tesla, que ha estado a la vanguardia del sector, allanando el camino para la venta directa al consumidor. Dicho modelo de negocio ha sido adoptado por empresas de vehículos eléctricos de la talla de Polestar y Lucid, las cuales están operando sin concesionarios. Esta tendencia ha impulsado a algunas marcas ya establecidas, a crear nuevas entidades que estén centradas exclusivamente en los vehículos eléctricos y, aunque las ventas directas permitidas pueden variar de un estado a otro, un proceso de ventas completamente en línea, sigue siendo una opción para tener en cuenta. No obstante, dicha tendencia no está libre de inconvenientes.","spans":[],"direction":"ltr"}]},"id":"rich_text$759d36de-e98a-4647-9b05-fa491ac834ea","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"Es innegable que el modelo de venta directa está cambiando las reglas del juego, tanto para los fabricantes de los productos originales, como para los distribuidores. El paso de vender directamente a los consumidores permite a los fabricantes poder alcanzar unos precios más elevados, ya que los concesionarios deben respetar el precio de venta recomendado por los fabricantes y no pueden poner en práctica una subcotización de los precios.","spans":[],"direction":"ltr"}],"author":"BCG"},"id":"article_quote$fde4fd93-9a0f-4570-9668-f7c0a3463d62","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"En Europa y en el Reino Unido, donde la legislación no supone obstáculo alguno para la venta directa, se está produciendo un cambio notable orientado hacia este modelo.","spans":[],"direction":"ltr"}]},"id":"rich_text$de615bef-75b5-446a-bc55-39ed36729137","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"En la actualidad, dos tercios de los consumidores y más del 80 % de los compradores de coches, que están representados por el público más joven, están abiertos al concepto de venta minorista orientado al mundo digital. Ya sea que se trate de comprobar la disponibilidad, de buscar una tasación, de reservar una prueba de conducción, de pagar un depósito o de solicitar una financiación, al 60 % de los compradores de coches, les gustaría poder realizar todas estas operaciones clave en línea.","spans":[],"direction":"ltr"}],"author":"Auto Trader UK"},"id":"article_quote$9568773c-65fd-49d0-837b-6e573931ec6a","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"Capacidad total, a lo largo de todo el proceso de origen y más allá del mismo","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZwZ41IF3NbkBXD8g_Spanish_5334x3000px.png?auto=format,compress\u0026rect=0,0,5333,3000\u0026w=1600\u0026h=900","id":"ZwZ41IF3NbkBXD8g","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$71c4d320-d7cf-445c-b39f-bde0c0c1e4af","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Qué aporta la solución Total Originations de Alfa Systems 6?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"El compromiso de Alfa se centra en seguir marcando la pauta en el sector, y para ello mantiene su firme compromiso de ser una fuente de excelencia en lo relativo a los préstamos directos e indirectos.","spans":[{"start":0,"end":200,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Total Originations de Alfa Systems 6, ofrece una gran cantidad de opciones y máxima versatilidad, lo que le permite diseñar sus propias capacidades de préstamo directo, utilizando para ello el conjunto completo de las APIs disponibles combinadas con una suscripción de crédito totalmente automatizada, propulsada por flujos de trabajo e inteligencia artificial. Como alternativa, se pueden gestionar las solicitudes de presupuesto de los agentes o concesionarios a través de interfaces ya predefinidas, y aprovechar también secuencias de pasos predeterminados que los usuarios pueden seguir para conseguir un objetivo específico al interactuar con un producto o servicio (para abreviar, recorridos de usuario). Los complementos opcionales permiten soluciones más complejas, gracias a una amplia gama de funciones.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Grandes fabricantes de productos originales (OEMs), pueden beneficiarse de una funcionalidad superior para campañas dinámicas y específicas para cada agente o concesionario, las cuales pueden actualizarse fácilmente a través de las APIs, sin tiempos de inactividad. Dado que la fijación de precios se desplaza cada vez más de los agentes (o concesionarios) a los OEMs, la capacidad de reacción de las marcas de gran volumen es cada vez más importante en lo que respecta a ajustar rápidamente los precios con el fin de poder cumplir sus objetivos.","spans":[],"direction":"ltr"}]},"id":"rich_text$a6942ffb-7343-4c51-984e-d6d7ba856c3b","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"En un mundo cada vez más digitalizado, es un hecho que los hábitos de compra de los clientes han cambiado, y que un modelo de agencia es el que permite proporcionar un proceso de compra coherente y transparente, ya sea en línea, en una sala de exposición física o en una combinación de ambas.","spans":[],"direction":"ltr"}],"author":"Gary Savage, director general de Mercedes-Benz en el Reino Unido"},"id":"article_quote$7d82a80e-0fea-4b1a-add5-297e9c233b82","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Para las empresas de financiación de activos especializados, el motor de toma de decisiones de Alfa Systems, permite aportar máxima eficiencia en lo relativo a las decisiones crediticias y en lo que respecta a los sistemas de calificación automatizados; todo ello sin necesidad de tener que llevar a cabo integraciones.","spans":[],"direction":"ltr"}]},"id":"rich_text$f527b2d2-0f68-4d7d-b8a4-96bd070b0b44","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Capacidad total: aún mejor en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Para satisfacer las complejas exigencias del ciclo de vida integral, de proveedores financieros de éxito.","spans":[],"direction":"ltr"}]},"id":"rich_text$9313916a-687d-44c9-85a3-db8d57995361","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Alfa Start: ahora ofrece una preconfiguración mejorada","accordion_item_copy":[{"type":"paragraph","text":"Alfa Start aprovecha la gran experiencia de Alfa en lo que respecta a los procesos de sus clientes para ofrecer una solución rentable y optimizada a las empresas de financiación de automóviles y equipos. Alfa Start ofrece un producto preconfigurado que abarca todo el ciclo de vida de la financiación de activos, desde el origen hasta el procesamiento de los cobros y la recomercialización, incluyendo informes reglamentarios y documentación. Con Alfa Start, podemos afirmar que, una implementación puede llevar tan solo 22 semanas. Se facilita una integración sencilla con los sistemas preexistentes o con los proveedores de software especializados a través de un conjunto completo de APIs, lo que proporciona una experiencia de uso impecable.","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},{"accordion_item_label":"Amplio soporte de productos, entre los cuales, se incluyen los arrendamientos y los préstamos","accordion_item_copy":[{"type":"paragraph","text":"La experiencia de Alfa en diversos sectores a nivel internacional, nos permite ofrecer una amplia gama de productos financieros y servicios. A diferencia de los operadores especializados, la plataforma de Alfa admite productos de leasing y de préstamos, incluyendo mayoristas, sirviendo perfectamente a las necesidades de los clientes minoristas y comerciales. Los clientes pueden aprovecharse de la flexibilidad de Alfa para modelizar con precisión el producto financiero que deseen. Esto es posible gracias al equipo técnico de Alfa, el cual, está constituido por ingenieros y consultores de implementación, que cuentan con una dilatada experiencia en el sector. Las recientes inversiones que se han llevado a cabo, en lo que respecta a los precios basados en el uso y en lo relativo a las líneas de crédito revolventes, han enriquecido aún más la gama de productos para hacer frente a las necesidades emergentes con soluciones orientadas al futuro.","spans":[{"start":230,"end":237,"type":"em"}],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$ef81db09-5d40-49f5-a908-0a86688de4aa","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Capacidad total: para poder afrontar con decisión retos y oportunidades","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Alfa Systems 6 puede transformar su negocio, para abrir nuevas fuentes de ingresos y aumentar la productividad de sus operaciones.","spans":[],"direction":"ltr"}]},"id":"rich_text$5e795c2e-1096-490f-ab2a-542a29dfddfe","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: el control del recorrido del cliente","accordion_item_copy":[{"type":"paragraph","text":"Cuando una empresa financiera es capaz de controlar todo el recorrido del cliente (es decir, el proceso completo que un cliente sigue al interactuar con una empresa), también es capaz de controlar su relación con dicho cliente, para garantizar que sea el propio cliente el que pueda disfrutar de la mejor experiencia posible. Cuando un cliente necesita un préstamo para comprar un coche, la entidad financiera puede ofrecerle un presupuesto directo y a medida, sin necesidad de tener que pagar a un concesionario o agente de ventas. Además, también poseen los datos de ese cliente en concreto y pueden realizar un análisis, en lo que respecta a las oportunidades de ingresos que puedan suscitarse en el futuro, comprendiendo mejor sus necesidades y anticipándose a sus comportamientos. De hecho, pueden examinar las integraciones con los proveedores de software especializados y aplicarlas en todo lo relativo al recorrido del cliente. Cuando se integran con un solo sistema, estas iniciativas pueden ejecutarse con mayor rapidez y con mucha más flexibilidad, aportando una eficacia sin precedentes y un valor añadido inigualable. Alfa Systems 6 sirve perfectamente a los propósitos de este sistema único, proporcionando múltiples soluciones de marca, al tiempo que conserva el control sobre el recorrido del cliente.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: las economías de escala","accordion_item_copy":[{"type":"paragraph","text":"La elección de una plataforma que admita una gama completa de tipos de productos, con procesos personalizables basados en la configuración, permite que los proveedores de servicios financieros puedan conseguir una mayor flexibilidad para los diferentes productos existentes y para los procesos, cuando la demanda así lo requiera, sin tener por ello que invertir en sistemas alternativos o en mejoras de carácter tecnológico. El cambio de la actividad empresarial, las tareas de formación y las pruebas, pueden realizarse a través de una única plataforma, lo cual aumenta inherentemente la eficiencia.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: los tiempos de salida al mercado","accordion_item_copy":[{"type":"paragraph","text":"La rapidez de respuesta es fundamental para adaptarse a situaciones empresariales cambiantes y aprovechar oportunidades de venta. Esta agilidad es más factible de conseguir con una plataforma que admita distintos tipos de productos, activos y procesos integrales. Alfa Systems 6 ofrece una amplia gama de soluciones, contemplando toda clase de situaciones como: préstamos sencillos para automóviles, productos al por mayor, leasings complejos y líneas de crédito, ofreciendo, además, procesos completos para los productos basados en su uso y suscripciones a los servicios.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: la flexibilidad de los precios","accordion_item_copy":[{"type":"paragraph","text":"La tendencia hacia préstamos directos y precios fijados por los OEM, requiere actualizaciones inmediatas de los precios para los concesionarios o agentes, basándose en el progreso de los objetivos de ventas, para los diferentes modelos y zonas. Las herramientas para la gestión de las campañas disponible en la API de Alfa Systems 6, permiten actualizar los precios de estos distribuidores de manera dinámica cuando sea necesario; sin necesidad de actualizar el sistema. Esto puede combinarse con la capacidad Alfa System para reflejar múltiples marcas de empresa, lo que permite una flexibilidad total a las financieras que ofrezcan financiación, como un servicio a otras marcas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: los procesos automatizados","accordion_item_copy":[{"type":"paragraph","text":"Las sofisticadas herramientas de automatización a las que se puede acceder a través de la plataforma de Alfa Systems incluyen: las APIs REST (una interfaz de programación de aplicaciones que permite la comunicación entre diferentes sistemas de software a través de solicitudes HTTP), los webhooks (una función de devolución de llamada que permite que dos aplicaciones se comuniquen automáticamente cuando ocurre un evento específico), los flujos de trabajo complejos y las reglas de negocio. Además, también se incluye como herramienta de automatización, un motor de decisión crediticia que permite a las empresas financieras obtener una mayor precisión en los procesos automatizados y una rápida toma de decisiones, en lo que respecta a las ventas indirectas o directas.","spans":[{"start":288,"end":297,"type":"em"}],"direction":"ltr"}]},{"accordion_item_label":"Reto: la creciente base de coste","accordion_item_copy":[{"type":"paragraph","text":"Es fundamental reducir los costes de implementación y acelerar los procesos de implementación. En el entorno impredecible actual, caracterizado por el aumento de costes operativos, la utilización de una plataforma única que cubra todas las necesidades puede ahorrar tiempo y recursos en la consecución de los objetivos empresariales.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: la complejidad del sector","accordion_item_copy":[{"type":"paragraph","text":"Alfa trabaja con un conjunto variado de instituciones financieras en diferentes sectores y con distintos clientes, desde proveedores de servicios financieros relativamente pequeños, hasta algunos de los bancos y empresas financieras más grandes y complejos del mundo. Alfa, como consultor experimentado y participante activo en el mercado, posee un amplio conocimiento de los procesos y de las mejores prácticas que son aplicables en el sector. Dichos conocimientos, han sido incorporados a los productos preconfigurados de Alfa Start. Utilizar los productos de Alfa Start como base fundamental, permite acceder a un ahorro de costes de implementación y también a un ahorro potencial de los costes operativos, gracias a los procesos que están vinculados a las mejores prácticas para cada sector.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$d1d7b710-4c23-408c-a308-3f8cee7ef38b","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$5b790528-5ff0-49ed-bcdd-2d80f470462e","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwfoLRAAACMA_bMv","uid":"es-alfa-systems-6","url":"/en-ap/product/article/es-alfa-systems-6","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwfoLRAAACMA_bMv%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:38:25+0000","last_publication_date":"2024-10-17T16:38:25+0000","slugs":["alfa-se-complace-en-anunciar-alfa-systems-6."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwU9ZhAAACQA-dyA","type":"product","lang":"en-eu","uid":"es-alfa-systems-6"},{"id":"ZwfoTxAAACQA_bNg","type":"product","lang":"en-us","uid":"es-alfa-systems-6"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Transition Reality","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zvw2KrVsGrYSwQIA_Transition_Reality.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"Zvw2KrVsGrYSwQIA","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"a big 6","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvvIXbVsGrYSwMIC_6_comic.jpg?auto=format,compress\u0026rect=0,0,334,334\u0026w=128\u0026h=128","id":"ZvvIXbVsGrYSwMIC","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"label":"Alfa Systems 6","title":"Alfa Systems 6: Plenamente realizado","subheading":"Una iteración innovadora de nuestra plataforma SaaS.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Alfa se complace en anunciar Alfa Systems 6.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Los seis pilares en los que se sustenta Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En lo que respecta a la financiación de activos, siempre hay retos y oportunidades a su alcance: desde los informes de sostenibilidad y la financiación que reduce el impacto ambiental, hasta los quebraderos de cabeza que ha generado la etapa poscovid y el cambiante entorno económico, que se encuentra en evolución constante. Por esa razón, Alfa continúa innovando y evolucionando constantemente, para que nuestros clientes puedan generar más negocio y aventajar a la 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2024 de la plataforma de software de Alfa Systems ofrece unos cambios importantes en lo que respecta al rendimiento y las funciones, para ayudar a afrontar esos retos y aprovechar esas oportunidades, sin obligar a actualizar la infraestructura.","spans":[],"direction":"ltr"}]},"id":"rich_text$9f9070a7-3344-4d5b-953a-b541606d5a78","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":836},"alt":"Alfa Systems 6 Launch - comic 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No obstante, Alfa, se enorgullece de ocupar su lugar en el núcleo del sector.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mientras que las ofertas de otros son inamovibles, Alfa, se define por su flexibilidad absoluta y por su total comprensión de los métodos y necesidades que subyacen tras la financiación de activos. Todo esto, convierte a nuestro producto en un elemento que está en constante evolución. Nuestra razón de ser, no solamente consiste en escuchar, comprender y cumplir, también centramos nuestros esfuerzos en mantenemos preparados, en todo momento.","spans":[],"direction":"ltr"}]},"id":"rich_text$efc30372-6a60-48ec-99db-531a251bd534","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":753},"alt":"Software de financiación de activos en evolución constante","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZwZ40YF3NbkBXD8e_AS6_Spanish_Banner_2388x1124px.png?auto=format,compress\u0026rect=0,0,2388,1124\u0026w=1600\u0026h=753","id":"ZwZ40YF3NbkBXD8e","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$d94d9365-addd-4906-a2bd-0194cb42c5f3","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Con Alfa Systems 6, ahora puede afrontar con confianza retos y oportunidades","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Cómo puede Alfa Systems 6 transformar su negocio, para abrir nuevas fuentes de ingresos y aumentar la productividad de sus operaciones.","spans":[{"start":11,"end":26,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$8fa3338b-ff94-4e83-a8b1-1aee1c794f55","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: sostenibilidad","accordion_item_copy":[{"type":"paragraph","text":"En el trascurso de la trayectoria hacia las cero emisiones netas, los líderes empresariales se centran cada vez más en la sostenibilidad. Las presiones normativas, tanto de los proveedores, como de los consumidores; están dando lugar a cambios en el contenido de informes, en productos financieros y en el cumplimiento normativo. Alfa trabaja en estrecha colaboración con todos sus clientes, ya sean grandes o pequeños, para apoyar su transición hacia: vehículos eléctricos, precios basados en el uso y modelos de negocio de financiación que sean más sostenibles. Dichos modelos, están incluidos en el Scope 3 Reporting, el cual, ya se encuentra disponible como complemento para los clientes actuales y futuros de Alfa.","spans":[{"start":602,"end":619,"type":"hyperlink","data":{"link_type":"Web","url":"https://www.alfasystems.com/en-eu/product/article/scope-3-emissions-reporting","target":"_blank"}}],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: el cambio de modelos empresariales","accordion_item_copy":[{"type":"paragraph","text":"Se presta una mayor atención a la economía circular y a maximizar el valor del ciclo de vida de los activos. Con los activos siempre en mente, prestamos una mayor atención a la recomercialización y a facilitar las flotas empresariales, al igual que también nos centramos en los alquileres a corto plazo y en función de su uso, los cuales, permiten a los clientes optar por unas alternativas más caras. En el sector automovilístico, nuestra atención se centra en la prolongación de la vida útil del vehículo y su posterior proceso de reciclado o de reacondicionamiento.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: financiación que reduzca el impacto ambiental y en las infraestructuras","accordion_item_copy":[{"type":"paragraph","text":"Para que el cambio normativo propicie unas estrategias de inversión que sean más responsables con el medio ambiente, primero deben transformarse los modelos de crédito y de financiación. Para acelerar una trayectoria eficiente hacia las cero emisiones netas, es necesario incentivar una financiación de los activos que reduzca el impacto ambiental. Cabe mencionar que, aunque existe la posibilidad de un mayor nivel de riesgo, también deben ofrecer un mayor nivel de recompensa.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: reducción de costes y cumplir con los presupuestos","accordion_item_copy":[{"type":"paragraph","text":"En estos momentos, el mercado mundial se comporta de manera parca y reacia al riesgo, por esa razón, los presupuestos son cada vez más escasos; de hecho, todo indica que en el 2024 seguiremos viendo más de lo mismo. Los operadores están obligados a encontrar formas en las que puedan reducir sus costes, sobre todo en lo que respecta a la propiedad de los sistemas; utilizando para ello aplicaciones nativas basadas en la nube, así como implementaciones aceleradas y preconfiguradas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: productos financieros","accordion_item_copy":[{"type":"paragraph","text":"Estamos asistiendo a un cambio hacia productos basados en su uso, hacia más proyectos vinculados con los ingresos y hacia un mayor conocimiento de los valores residuales y de los retos presentados por la etapa postcovid.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: los problemas de la etapa poscovid","accordion_item_copy":[{"type":"paragraph","text":"Los confinamientos han puesto de manifiesto la necesidad de diferenciar los datos y de modelizarlos. Este análisis ha ocasionado una implantación gradual de unas normas de decisión crediticia complejas, que se desarrollan en las distintas fases del ciclo de vida de los contratos. Aunque dicho análisis ya era exhaustivo en su propio origen, ahora se está aplicando un escrutinio mucho más detallado, en lo que respecta a las comprobaciones periódicas de los proveedores y de los agentes o concesionarios y, también, en lo relativo a las modificaciones de los contratos y los cobros. Dicho escrutinio, también se aplica a la respuesta que debe darse frente al análisis de los datos. Llegados a este punto, ¿cómo podría definirse a «la nueva normalidad»? ¿Durante este proceso y en este tiempo de incertidumbre, cómo pueden servir de ayuda los datos del COVID (con su liquidez artificial) y los entornos marcados por los tipos de interés cero? En este proceso, de hecho, la flexibilidad es fundamental, tanto en lo que respecta a la configuración como en lo relativo a la visibilidad. Es precisamente durante este tiempo de incertidumbre, cuando la presión no para de aumentar la...","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: sustentada en el principio de estar siempre operativo y siempre conectado","accordion_item_copy":[{"type":"paragraph","text":"Las soluciones digitales con conectividad inmediata, tanto con el cliente como con el intermediario, implican que los clientes exigen una capacidad de servicio y respuesta, que se centra en una atención constante, durante las 24 horas del día y los 7 días de la semana. En este mundo, el concepto de escalabilidad ya no puede vislumbrase como una excusa. La tecnología debe ser extensible y nativa en la nube, con estructuras de productos flexibles y configurables, que permitan ampliar la escalabilidad a demanda; cuando y como se necesite. Lo cual, obliga indefectiblemente a centrarse en la...","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: automatización, eficiencia y extensibilidad","accordion_item_copy":[{"type":"paragraph","text":"Las inversiones a realizar en las arquitecturas básicas, deben equilibrarse con unas nuevas funciones más atractivas. Es cierto que las empresas emergentes más ágiles en su respuesta, se centran en ofrecer funcionalidad y complementos nicho, pero también es cierto que, solamente aquellas plataformas de integración que sean fáciles de manejar y que no necesiten código, son las que realmente, pueden proporcionar toda la velocidad y flexibilidad necesarias, para poder sacarles todo el partido. Mientras todo esto ocurre, se sigue permitiendo que la plataforma central impulse y orqueste el ecosistema. Pero mientras esta sinfonía orquestada de procesos se sigue desarrollando, es importante tener cuidado con el...","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: cuestiones normativas y de seguridad","accordion_item_copy":[{"type":"paragraph","text":"Es innegable que la creciente complejidad normativa exige una mayor trazabilidad, agilidad y automatización en lo que respecta a las transacciones financieras, al tiempo que también se siguen buscando las garantías necesarias en unos entornos de software como servicio (SaaS) y de inquilino único, que sean seguros.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$4149f272-8d5e-44a8-bb9e-556e201ed675","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$7010f7b0-1b1a-44bd-b114-65f4285f7021","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"ZwaSmhAAACQA-8XK","uid":"es-sustainability","url":"/en-ap/product/article/es-sustainability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZwaSmhAAACQA-8XK%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:36:42+0000","last_publication_date":"2024-10-17T16:36:42+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"ZwaGiRAAACIA-7RA","type":"product","lang":"en-eu","uid":"es-sustainability"},{"id":"ZwaSrRAAACUA-8Xo","type":"product","lang":"en-us","uid":"es-sustainability"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshbVsGrYSwP_M_Transition_3rd_Release_2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshbVsGrYSwP_M","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Sustainability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/dec7210f-757f-47d7-b26c-7cc53d4bf7ff_03_Sustainability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKqxUAACUAhGK-","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 3: Sostenibilidad","subheading":"Satisfacemos los modelos empresariales emergentes, impulsados por la regulación de cero emisiones netas y la política ASG.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$7f5f579f-fec3-4cc6-87d0-28e2e722fa7a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante la sostenibilidad?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"El sector de la financiación de activos está atravesando un periodo de cambios fascinantes, que están impulsados por las imposiciones normativas y las preocupaciones medioambientales. En el 2023, Alfa anunció una nueva función «informe de emisiones de alcance 3», para poder ayudar a sus clientes, permitiéndoles practicar el seguimiento de sus carteras y las notificaciones necesarias, en lo que respecta a las emisiones de los gases de efecto invernadero (GEI) inherentes a «alcance 3». Ahora, en el 2024, Alfa Systems 6 se complace en ofrecer una capacidad de ayuda y flexibilidad sin precedentes, para poder continuar por la senda marcada en años anteriores.","spans":[{"start":227,"end":262,"type":"hyperlink","data":{"id":"ZQRT4xIAACMAo3jC","type":"article","tags":[],"lang":"en-ap","slug":"alfa-announces-free-scope-3-emissions-reporting","first_publication_date":"2023-09-15T12:53:57+0000","last_publication_date":"2023-09-15T13:07:19+0000","uid":"alfa-announces-free-scope-3-emissions-reporting","url":"/en-ap/news-and-insights/alfa-announces-free-scope-3-emissions-reporting","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfHVgEmNsf2sHjky_03_Sustainability_shadow.png?auto=compress,format\u0026rect=0,0,3162,3162\u0026w=150\u0026h=150","alt":"icon for sustainability, showing a hand holding a leaf","copyright":null,"dimensions":{"width":150,"height":150},"id":"ZfHVgEmNsf2sHjky","edit":{"x":0,"y":0,"zoom":0.04743833017077799,"background":"#fff"}},{"type":"paragraph","text":"Las empresas, obligadas a dar prioridad a sus emisiones y a cumplir con los imperativos medioambientales, no solamente deben transformar sus propios modelos de negocio, sino que también deben influir en los de sus cadenas de suministro.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Aunque el objetivo es claro, la ruta para llegar a ese objetivo es incierta. Por esa razón, la flexibilidad es fundamental, tanto para las empresas financieras como para sus clientes. Para ello, deben ser capaces de :","spans":[],"direction":"ltr"},{"type":"list-item","text":"Desarrollar y financiar nuevos productos con la mayor rapidez posible.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Adoptar tecnologías emergentes integradas.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Explorar nuevas ideas, repetir y dar marcha atrás cuando sea necesario.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 le ayuda a conseguir dicha flexibilidad, porque su tecnología está en continua evolución y se adapta, de manera eficaz, para poder satisfacer sus necesidades específicas.","spans":[],"direction":"ltr"}]},"id":"rich_text$1fb4b4b2-da9a-4a2c-9f14-bd4c28cdbf75","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Sostenibilidad en Alfa Systems","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa se enorgullece de su trayectoria en lo que respecta a las políticas ASG y se complace de contar con un personal y con una base de clientes diversos.","spans":[{"start":0,"end":153,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Nuestros equipos colaboran estrechamente con nuestros clientes para comprender la evolución de sus necesidades, en lo que respecta a los modelos de negocio sostenibles. Este planteamiento de colaboración ha permitido desarrollar soluciones potentes, que satisfacen completamente los requisitos de los clientes.","spans":[],"direction":"ltr"}]},"id":"rich_text$3854cfe9-fd28-4dbc-9724-78b856468df8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":198},"alt":"banner promoting sustainability in Alfa Systems 6","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfMgb7TwE6aM1J8o_20240313_AS6_AFI_BannerSustainability_728x90px_v2.gif?auto=compress,format\u0026rect=0,0,727,90\u0026w=1600\u0026h=198","id":"ZfMgb7TwE6aM1J8o","edit":{"x":-1,"y":0,"zoom":2.2,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$215af159-ace2-4cc3-9387-61069431f74d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 está dotado para ayudarle a afrontar sus objetivos de sostenibilidad:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Permitiéndole acceder a nuevas funciones para gestionar todo el ciclo de vida de los activos, desde su origen y hasta el final de su vida útil.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Permitiéndole disponibilidad inmediata para apoyar el negocio de las suscripciones.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Completamente dotado para facilitar su oferta de XaaS.","spans":[],"direction":"ltr"}]},"id":"rich_text$76e0fc74-a0ec-4f5b-8998-19dbc82c6290","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"1. Gestión del ciclo de vida de los activos mejorada","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa se complace en anunciar nuevas funciones que le permitirán gestionar todo el ciclo de vida de los activos, desde su origen y hasta el final de su vida útil.","spans":[{"start":0,"end":161,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfiJ2w4qyfNhFxMu_AS6_Sustainability_CBM.png?auto=compress,format\u0026rect=3,0,1172,1172\u0026w=500\u0026h=500","alt":"A representation of the Circular Business Model, shown in five sections: Product-as-a-Service (Dynamic services without ownership), The Sharing Economy (Making use of resting assets), Circular Supply Chains (Using sustainable materials), Made for Longevity (Extending lifespans), Retrieve, Recycle, Refurbish (Reducing waste)\n","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfiJ2w4qyfNhFxMu","edit":{"x":-1,"y":0,"zoom":0.42662116040955633,"background":"#fff"}},{"type":"paragraph","text":"A nivel internacional, los proveedores de productos y equipos, siempre se hacen la misma pregunta: ¿Cómo podríamos prolongar la vida útil de nuestros productos e identificar nuevos mercados, para que puedan usar nuestros productos constantemente?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Para hacer frente a esta situación, las entidades financieras cautivas (subsidiarias de grandes fabricantes que proporcionan financiación exclusivamente para los productos de la empresa matriz), se están alejando del modelo tradicional del «leasing y venta», estableciendo en vez de esto, los equipos y los procesos necesarios para gestionar los activos a lo largo de su ciclo de vida, maximizando el uso del inventario y de los beneficios.","spans":[{"start":241,"end":248,"type":"em"}],"direction":"ltr"},{"type":"paragraph","text":"Los activos que vuelven de un leasing inicial pueden mantenerse en un inventario para su uso posterior, pueden renovarse o incluso desglosarse en subactivos para su reciclaje. Independientemente de la trayectoria de los equipos, las empresas financieras deben realizar un seguimiento y una contabilidad meticulosa de los activos, ya esten dentro o fuera de un contrato de leasing. Esto lleva a un cambio de enfoque que en vez de centrarse únicamente en el contrato, dé prioridad al activo en sí mismo.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Para poder cumplir con estos requisitos, Alfa se complace en anunciar nuevas funciones en Alfa Systems 6, que le permitirán gestionar todo el ciclo de vida de los activos, desde su origen y hasta el final de su vida útil. Entre dichas funciones, se incluyen:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Poder gestionar las existencias para su reutilización y reposo.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Ofrecer una segunda y tercera vida, a corto plazo, para los equipos.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Proporcionar procesos de renovación optimizados para prolongar la vida útil de los productos","spans":[],"direction":"ltr"}]},"id":"rich_text$77774325-7d3f-4afd-9a64-8e2e2cc4f0cc","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"2. Plataforma lista para la suscripción","spans":[],"direction":"ltr"},{"type":"paragraph","text":"A través de una inversión estratégica en los productos, Alfa Systems 6, está preparada para poder apoyar fácilmente los negocios sustentados en las suscripciones.","spans":[{"start":0,"end":162,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/ZfRubHYkiKrtlJtF_SubscriptionServicePack.png?auto=compress,format\u0026rect=39,0,1139,1139\u0026w=500\u0026h=500","alt":"diagram of the Subscripton Service Pack in Alfa Systems 6","copyright":null,"dimensions":{"width":500,"height":500},"id":"ZfRubHYkiKrtlJtF","edit":{"x":-17.120280948200175,"y":0,"zoom":0.43898156277436345,"background":"#fff"}},{"type":"paragraph","text":"Para poder proporcionar a los clientes el acceso a unas tecnologías punteras y a unos precios competitivos, las empresas de financiación de activos se están asociando con las «empresas de financiación cautivas», así como con otros proveedores de servicios financieros para los equipos y los automóviles, a los efectos de poder ofrecer servicios de suscripción, junto con los sistemas tradicionales de financiación de activos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La experiencia de Alfa al ofrecer esta combinación ha permitido proporcionar una amplia gama de servicios y de modelos, que ponen de manifiesto la necesidad de aportar soluciones realmente flexibles. Todo esto va mucho más allá de las funciones básicas, como los asientos calefactables; de hecho, los clientes pueden elegir entre las suscripciones de leasing o no, con estructuras de facturación que se sustenten en el uso o de carácter periódico.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La tecnología se extiende a suscripciones de software específicas, que permiten optimizar el uso de los equipos o que proporcionan complementos añadidos para poder sacar provecho de una ventaja adicional.","spans":[],"direction":"ltr"}]},"id":"rich_text$321825f8-da74-40c3-877b-612a64055977","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"En todos los sectores y mercados, la financiación de activos se utiliza para impulsar un uso cada vez mayor, de unos modelos de venta basados en suscripciones. La flexibilidad se está convirtiendo en un imperativo a medida que crece la propensión al leasing y la propiedad flexible, ya sea que la forma de pago por transporte a demanda, servicios agrupados en flotas corporativas o basado en funcionalidad impulsada por las nuevas tecnologías de los vehículos.","spans":[],"direction":"ltr"}],"author":"KPMG"},"id":"article_quote$3af6a666-d96d-483b-bdcc-7291049e4284","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Gracias a nuestra inversión estratégica en los productos durante los últimos años, Alfa responde con fiabilidad a las solicitudes de apoyo para estos nuevos servicios. Además, también es capaz de afrontar aquellos servicios basados en el uso que se extiendan más allá del final de su plazo de leasing o de una suscripción que cubra toda una cartera (que sea cobrada periódicamente). Alfa Systems 6, está disponible para mantener sus negocios de suscripciones.","spans":[{"start":293,"end":300,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$169819ec-8b2e-4d2a-b5d0-680681a182ab","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"3. XaaS: el concepto de «todo como un servicio»","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 está totalmente preparado para que pueda facilitar su oferta de todo como un servicio (XaaS).","spans":[{"start":0,"end":108,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"A medida que van subiendo los tipos de interés y que disminuye el apetito por el riesgo, en todo lo que respecta a los compromisos con las tecnologías emergentes, las empresas cada vez están más abiertas a apoyar los proyectos de gastos operativos (OpEx) frente a las inversiones de los gastos de capital (CapEx), por lo cual, finalmente acaban optando por modelos XaaS para adquirir los equipos.","spans":[],"direction":"ltr"}]},"id":"rich_text$3d6f9e7f-71be-40bb-8615-db5e7a93c505","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"A medida que las empresas de movilidad, construcción, industria y maquinaria continúan buscando maneras de aumentar la rentabilidad, también evitan la compra directa de la maquinaria, dado que el concepto de propiedad tiene menos sentido desde el punto de vista comercial. Dado que el valor ya no está vinculado a la propiedad en sí misma, se adoptan modelos de gastos operativos, que permitan desbloquear el dinero que antes estaba reservado a las compras de los gastos de capital. Existe una mayor propensión a elegir el leasing, las suscripciones para las máquinas, el pago por resultados y los equipos como servicio. Un buen ejemplo de esto podrían ser los modelos de las baterías como servicio.","spans":[],"direction":"ltr"}],"author":"KPMG"},"id":"article_quote$3f61d883-f730-4f9b-aeab-9c5bd2541164","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"XaaS puede contemplar activos a corto o largo plazo, servicios complementarios y tarificación basada en el uso. Para las entidades financieras y las cautivas, estos procesos requieren un seguimiento eficaz de los activos (para poder controlar su localización, su disponibilidad y su uso), al tiempo que también se incorpora la financiación y la facturación de aquellos servicios complementarios que sean esenciales, en una única línea de facturación consolidada.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems 6 está totalmente preparado para XaaS:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Planes y contratos multiactivos.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Contadores de uso y facturación personalizada basada en el uso.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Integración perfecta con una facturación configurable y consolidada.","spans":[],"direction":"ltr"}]},"id":"rich_text$94565007-b30f-448b-8d2b-2230085148c9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies everything-as-a-service requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbUA4qyfNhFyVU_AS6_Sustainability_XaaS.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbUA4qyfNhFyVU","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$ccc64358-13a9-4626-ba19-4b88772eeb4f","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"En Alfa Systems 6, la sostenibilidad se centra en satisfacer las necesidades futuras de los proveedores de servicios financieros vanguardistas.","spans":[],"direction":"ltr"}]},"id":"text_banner$1228cd8f-c63f-455e-87ba-b53ec4db7308","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Casos de uso: financiación de energías renovables","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La lucha contra las emisiones de los gases de efecto invernadero (GEI), está provocando un cambio radical en la demanda y en el suministro de energías que sean más ecológicas. Tradicionalmente, las empresas productoras siempre dependían exclusivamente de sus proveedores de energía, con la esperanza de que pudieran suministrarles energía que procediera de fuentes más ecológicas.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"No obstante, dado que cada vez se presta una mayor atención a la reducción de sus huellas de carbono (emisiones de alcance 1), ahora los fabricantes tienen la posibilidad de poder controlar sus fuentes de energía. Esto permite abrir las puertas a un mundo lleno de posibilidades muy interesantes:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Generación de energía renovable, in situ: las empresas pueden instalar paneles solares y turbinas eólicas, además de motores, para la producción combinada de calor y de electricidad (PCCE). Estos sistemas se pueden adquirir mediante un leasing con las entidades financieras, junto con otros servicios complementarios como, por ejemplo, los seguros y los servicios de mantenimiento, para cubrir una parte importante de sus necesidades energéticas.","spans":[{"start":0,"end":40,"type":"strong"},{"start":236,"end":243,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Flexibilidad de compra: es posible que la generación in situ no pueda llegar a cubrir todas las necesidades energéticas, no obstante, los fabricantes también pueden obtener energía complementaria de sus proveedores de energía. La facturación basada en el uso garantiza que paguen solo por lo que estén utilizando, con una cuota mensual mínima. Además, tienen la flexibilidad de poder agrupar el uso a lo largo de varios activos, recibiendo a su vez, una única factura consolidada, que aporta una mayor comodidad.","spans":[{"start":0,"end":22,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$cc11cb7c-3a48-4a32-be09-ec01fa0c8ce8","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":900},"alt":"A representation of how Alfa Systems 6 satisfies green energy financing requirements","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZfmbTw4qyfNhFyVT_AS6_Sustainability_GreenEnergyFinancing.gif?auto=compress,format\u0026rect=0,0,1600,900\u0026w=1600\u0026h=900","id":"ZfmbTw4qyfNhFyVT","edit":{"x":0,"y":0,"zoom":1,"background":"#fff"}},"caption":[],"hero_image":false},"id":"article_image$6b52d7a3-5e8b-4395-b709-4fd095e192e6","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"Alfa Systems 6 apoya completamente este nuevo punto de vista, ya que permite que los fabricantes puedan ser más sostenibles y eficientes, para poder contribuir a un futuro que sea más ecológico para todos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Puede obtener más información en nuestro documento «Towards energy resilience: closing the efficiency gap» – (Hacia la resiliencia energética: reducción de la brecha en la eficiencia). 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Además, Alfa Systems 6 establece el entorno y la infraestructura necesaria para satisfacer clientes con requisitos más complejos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"A título de ejemplo, podríamos pensar en una agricultora que tenga varios tractores eléctricos en leasing, junto con sus baterías y cargadores correspondientes. 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Los fabricantes de equipos están invirtiendo mucho más en aquellos activos que sean más ecológicos, y las empresas necesitan hacer inversiones importantes en infraestructuras que permitan su transición desde la energía tradicional basada en los combustibles fósiles, hacia las energías renovables. Para todas estas empresas, la financiación se convierte en algo fundamental. Las entidades financieras deben aprovechar el potencial de estos mercados emergentes, mejorando su infraestructura tecnológica y operativa, para poder satisfacer las nuevas demandas del mercado. Alfa Systems 6 puede facilitar este proceso, proporcionando la flexibilidad y la funcionalidad necesarias.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: la trayectoria hacia las cero emisiones netas","accordion_item_copy":[{"type":"paragraph","text":"A medida que las empresas compiten por inversión y recursos, sus credenciales en lo relativo a la política ASG, se convertirán en un factor diferenciador de carácter fundamental. Evidentemente, estas empresas siempre están a la caza de puntos de vista novedosos, que les permitan financiar, adquirir y utilizar activos verdes y grises. Dichos activos, permitirán optimizar sus emisiones de gases de efecto invernadero (GEI), en lo que respecta a lo definido por los alcances de tipo 1, 2 y 3. De esta manera, podrán facilitar una transición más fluida hacia las cero emisiones netas, al tiempo que también podrán cumplir con sus objetivos financieros. Esta búsqueda de la sostenibilidad está impulsando la innovación, tanto en la oferta de los productos, como en lo que respecta a los modelos de negocio. Alfa Systems 6 se ha diseñado teniendo en cuenta las necesidades y los puntos débiles de las entidades financieras. Permite dotar a los usuarios de las herramientas necesarias, que les ayudarán a poder introducir la flexibilidad en sus modelos de negocio, ya sea mediante las nuevas gamas de productos, mediante las estrategias de reutilización de los activos o mediante el desarrollo de soluciones innovadoras de tipo XaaS. La solución “informes sobre las emisiones de alcance 3” de Alfa Systems 6, permite realizar un seguimiento del progreso hacia estos objetivos.","spans":[{"start":1242,"end":1285,"type":"hyperlink","data":{"id":"ZP8M-RIAAB4AkpJW","type":"product","tags":[],"lang":"en-ap","slug":"using-new-functionality-available-in-alfa-systems-providers-of-equipment-and-automotive-finance-can-now-track-and-report-on-their-operations-scope-3-greenhouse-gas-ghg-emissions.","first_publication_date":"2023-09-11T12:50:04+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"scope-3-emissions-reporting","url":"/en-ap/product/article/scope-3-emissions-reporting","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: los ingresos derivados de los servicios adicionales","accordion_item_copy":[{"type":"paragraph","text":"Las entidades financieras y las cautivas, están aprovechándose de las oportunidades que ofrecen los nuevos activos, para poder fomentar la innovación y para ofrecer servicios complementarios a los usuarios, que gocen de un gran atractivo. Muchos de estos servicios, se comercializan a través de los modelos de suscripción, los cuales ofrecen a los clientes la flexibilidad de explorar nuevas ofertas y de pagar solamente por la cantidad o según la duración del uso. Con Alfa Systems 6, las entidades financieras pueden integrar perfectamente estos servicios, ya sea que estén contemplados dentro o fuera del contrato, que cuenten con cargos fijos o programados o que se sustenten en tarifas planas o basadas en las métricas de uso. Gracias a los informes en tiempo real, se puede evaluar la eficacia de estos productos, para poder responder con rapidez, a la hora de maximizar aquellas oportunidades que sean rentables.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: las regulaciones","accordion_item_copy":[{"type":"paragraph","text":"En medio de un entorno marcado por un crecimiento constante de las regulaciones y por la incertidumbre que se asocia al calendario, el alcance e incluso a la trayectoria de las futuras regulaciones, las entidades financieras se ven obligadas a tomar decisiones basadas en el riesgo en lo que respecta a sus futuros procesos y modelo operativo. Alfa, con su equipo especializado en Mercados y Productos, realiza un constante seguimiento de los cambios inminentes en las regulaciones, integrando este conocimiento en las iniciativas de desarrollo de los productos. Gracias a este enfoque proactivo, se ha podido adoptar de forma anticipada, la solución integral de informes sobre las emisiones de alcance 3 y también se han podido optimizar los modelos de negocio para facilitar la transición hacia los objetivos relativos a las cero emisiones netas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: la asequibilidad","accordion_item_copy":[{"type":"paragraph","text":"Las entidades financieras, las empresas y los consumidores, afrontan diariamente el delicado equilibrio entre el deseo de ser más «ecológicos» y las limitaciones de costes asociadas. Con la subida de los tipos de interés y con la inflación presionando sobre los márgenes en toda la cadena de suministro, no queda más remedio que tomar decisiones difíciles. Alfa Start, ofrece a sus clientes un sistema de financiación de activos accesible y que incorpora la funciones imprescindibles para poder establecer un negocio de financiación de activos que sea sostenible, a unos costes asequibles. Mediante su estructura modular aporta flexibilidad, permitiendo que los clientes puedan incorporar diferentes tipos de productos y casos de uso, solo cuando la rentabilidad esté garantizada en el modelo de negocio.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$6453c007-47c0-4ae4-bb34-34ff01359457","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$3b85455e-d5fe-4449-835d-55fbf789bbc6","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"Zwe6rhAAACQA_WvB","uid":"es-intelligent-automation","url":"/en-ap/product/article/es-intelligent-automation","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Zwe6rhAAACQA_WvB%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:37:36+0000","last_publication_date":"2024-10-17T16:37:36+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Zwe6wRAAACUA_Wvd","type":"product","lang":"en-us","uid":"es-intelligent-automation"},{"id":"Zwe3ChAAACQA_WZH","type":"product","lang":"en-eu","uid":"es-intelligent-automation"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zvwsh7VsGrYSwP_P_Transition_5th_Release.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"Zvwsh7VsGrYSwP_P","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Intelligent Automation icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/d9fa4d71-c6d6-4702-80a1-3dd368d8c677_06_Intelligent+Automation+Flat.png?auto=format%2Ccompress\u0026rect=0%2C0%2C80%2C80\u0026w=128\u0026h=128","id":"ZaVK7xUAACUAhGM0","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 5: Automatización inteligente","subheading":"Para ejercer una toma de decisiones sistematizada mediante la IA y para ofrecer unos flujos de trabajo basados en reglas.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$348b98c2-b558-44b9-8318-64dc8b509ba9","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante la automatización inteligente?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En Alfa Systems 6, la automatización inteligente aprovecha las tecnologías cognitivas de vanguardia, entre las cuales se incluye el modelado predictivo. Gracias a dichas tecnologías, los clientes pueden generar ganancias de manera eficiente, a través de una variedad de herramientas que están orientadas a la toma de decisiones inteligentes y automatizadas.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8RkaI3ufuUQLR_Intelligent_Automation_tile.png?auto=format%2Ccompress\u0026w=150\u0026h=150","alt":"Intelligent automation tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8RkaI3ufuUQLR","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Alfa Systems proporciona a sus clientes soluciones que ofrecen funciones avanzadas y un valor añadido real, como por ejemplo es el caso de una automatización inteligente diseñada para:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Permitirle que pueda automatizar todos y cada uno de sus procesos: los clientes de Alfa están perfectamente cubiertos y pueden ir automatizando sus procesos, de manera tal que se adapten a su negocio. Los árboles de decisión y los conjuntos de reglas anidadas pueden ser activados por los flujos de trabajo automatizados, por las reglas de negocio y por las APIs, gracias a lo cual, se obtiene una experiencia de uso inteligente, que está basada en las heurísticas que se aplican a los puntos de contacto habituales con los clientes.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Permitirle incorporar personas a los equipos y mejorar sus cualificaciones: AskThea, es un chatbot conversacional que utiliza la inteligencia artificial (IA) para ofrecer asistencia y orientación sobre los sistemas de Alfa Systems. Este chatbot, ofrece información inmediata a los usuarios que necesitan encontrar respuestas, que desean saber cuáles son las funciones que están disponibles y que desean conocer cuáles son las posibles soluciones a sus problemas.","spans":[{"start":91,"end":98,"type":"em"},{"start":237,"end":244,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Ayudarle a incorporar nuevos productos y procesos: gracias a AskThea, los profesionales que deseen conocer la última información existente sobre los cambios empresariales, podrán consultar rápidamente la documentación de Alfa Systems, para poder comprender el flujo de trabajo y otros cambios de configuración para poder implementar los nuevos procesos; gracias a lo cual, se proporciona una mayor flexibilidad y potencia.","spans":[],"direction":"ltr"},{"type":"list-item","text":"Ayudarle a comprender y reducir el riesgo de crédito de la cartera: Alfa Decisioning, es un motor de decisión crediticia totalmente nuevo, que ha sido combinado con la experiencia que ya ha sido demostrada por Alfa iQ, una inteligencia artificial (IA) predictiva, que se utiliza para la optimización dinámica de la suscripción de créditos y que, además, permite una modelización específica para cada cliente.","spans":[{"start":210,"end":217,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}}],"direction":"ltr"},{"type":"paragraph","text":"En este vídeo, puede ver en acción cómo funciona la automatización inteligente:","spans":[{"start":0,"end":78,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$d403d150-c54b-401f-976c-7f4dfefbc931","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"vimeo_video_id":"988936712","video_caption":[{"type":"paragraph","text":"Alfa Systems 6: automatización inteligente","spans":[],"direction":"ltr"}]},"id":"article_video$97a1adbd-cd37-4ec2-924d-61e9bad9cd12","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"quote":[{"type":"paragraph","text":"«Los proveedores de activos de los servicios financieros, cada vez exigen más a sus colaboradores y a sus departamentos de tecnologías de la información, por esa razón, ahora más que nunca, la automatización total de los procesos más básicos se convierte igualmente, en una expectativa de carácter básico. Con la integración de una inteligencia artificial de vanguardia y mediante la automatización de los procesos complejos, hemos conseguido que la automatización inteligente sea capaz de superar sus propias expectativas. AskThea y Alfa Decisioning son herramientas tecnológicas muy avanzadas, que han sido diseñadas para que los clientes puedan tomar decisiones más inteligentes y conseguir una eficiencia excepcional en todos sus procesos; gracias a lo cual, podrán mantenerse por encima de sus competidores en un mercado realmente competitivo y en constante evolución».","spans":[],"direction":"ltr"}],"author":"Andrew Flegg, director de tecnología de Alfa"},"id":"article_quote$8f2d2df5-8293-436b-af01-6fd4545ea800","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Le presentamos la automatización inteligente de Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"A medida que la inteligencia artificial (IA) alcanza su punto más álgido, los empresarios esperan que sus proveedores y que sus departamentos tecnológicos sean capaces de ofrecerles un mayor valor añadido. La automatización total de los procesos básicos que son «simples, directos y que no representan complicaciones» se ha convertido en una expectativa básica, hasta tal punto, que la expresión «intervención manual», ha terminado por convertirse en algo socialmente incorrecto, dentro del mundo empresarial.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Ahora las expectativas son altas, no solo en lo que respecta a la automatización de los procesos operativos, sino también en todo lo relativo a poder mejorar la eficiencia en los proyectos de implantación tecnológica. El objetivo final radica en obtener unos resultados financieros que sean más saludables, gracias a la utilización de una inteligencia superior, que esté basada en las reglas y en un constante aprendizaje.","spans":[],"direction":"ltr"}]},"id":"rich_text$4726df20-192a-406e-a684-79cc6277d59e","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"image":{"dimensions":{"width":1600,"height":587},"alt":"Decisioning with pluggable API","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zp_h5h5LeNNTxbsE_Intelligent-Automation-pluggable-AI.png?auto=format%2Ccompress\u0026rect=0%2C0%2C5016%2C1840\u0026w=1600\u0026h=587","id":"Zp_h5h5LeNNTxbsE","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$50ae8a91-78ab-492b-be15-19ca4ff5a44d","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"En contraposición a lo expuesto y teniendo en cuenta que se debe comprender y cumplir con todo lo relativo a la propiedad de los datos; debe tenerse en cuenta también que, la calidad de los datos por sí misma, la auditabilidad, las cuestiones de carácter ético y la seguridad relativa a los datos, suman un conjunto de factores que provocan un retraso indeseable en la industria, que impide que la mayoría de las aplicaciones de inteligencia artificial (IA) centradas en el cliente tarden en llegar al mercado. La naturaleza de dichas preocupaciones es absolutamente legítima y es posible que quienes estén avanzado en este campo, no les estén prestando la debida atención.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En lo que respecta a los modelos inteligentes que se basan en los datos de los mercados financieros, el dicho de que «si quieres conocer futuro, mira hacia el pasado», no se cumple en este contexto. Los cambios sistémicos del COVID, la inflación y las subidas repentinas de los tipos de interés, indican que las decisiones subjetivas, pueden llegar a ofrecer unos resultados mejores que los modelos han sido entrenados con conjuntos de datos recientes.","spans":[],"direction":"ltr"},{"type":"image","url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/ZmsO8Zm069VX1uc2_Alfa_iQ_logo_colour.svg?auto=compress,format","alt":"alfa iq logo","copyright":null,"dimensions":{"width":947,"height":446},"id":"ZmsO8Zm069VX1uc2","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Teniendo en cuenta estas dinámicas, Alfa ha aprovechado la experiencia, habilidades y conocimientos de modelado adquiridos durante el desarrollo de su servicio de IA, Alfa iQ, lanzado inicialmente en 2020, para crear su Automatización Inteligente. Gracias a esta sinergia, hemos podido integrar herramientas avanzadas que aportan unas ventajas significativas a nuestros clientes:","spans":[{"start":167,"end":174,"type":"hyperlink","data":{"id":"Y1q6_xEAACEABedb","type":"product","tags":[],"lang":"en-ap","slug":"introducing-intelligent-automation-in-alfa-systems-6","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"artificial-intelligence","url":"/en-ap/product/article/artificial-intelligence","link_type":"Document","isBroken":false}},{"start":220,"end":248,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Los flujos de trabajo automatizados, auditables y basados en reglas, aportan unos beneficios similares a las decisiones tomadas por IA, permitiendo mayor control y capacidad de explicar las decisiones resultantes.","spans":[{"start":0,"end":35,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"AskThea es un chatbot conversacional que se basa en la IA, para ofrecer asistencia y orientación en todo lo relativo a Alfa Systems. Este chatbot, permite proporcionar inmediatamente toda la información que sea necesaria a la hora de obtener asistencia sobre el producto.","spans":[{"start":0,"end":8,"type":"strong"},{"start":14,"end":21,"type":"em"},{"start":138,"end":145,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Alfa Decisioning es un motor de decisiones crediticias basado en reglas que está integrado con modelos de inteligencia artificial, lo que ofrece una suscripción de créditos de última generación con una modelización específica para cada cliente.","spans":[{"start":0,"end":16,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$2229689b-c6d0-4fbc-86a6-1313e4f97c13","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Optimice y haga escalable la toma de decisiones en toda su organización","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Comprenda el riesgo crediticio de su cartera, simplifique los procesos, encuentre nuevos recursos y mejore la eficacia operativa.","spans":[{"start":0,"end":129,"type":"strong"}],"direction":"ltr"},{"type":"heading3","text":"1. Flujos de trabajo basados en reglas mejoradas","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems incorpora una serie de flujos de trabajo automatizados, que se basan en decisiones complejas. Dichos flujos pueden incorporar complejas reglas de tarificación, suscripción condicional, gestión de discrepancias en documentos o la aplicación de la «mejor decisión» a llevar a cabo durante un proceso de finalización (o rescisión). Alfa mejora constantemente estos procesos, introduciendo nuevos parámetros o entidades en las reglas de decisión y añadiendo nuevos paradigmas que permiten desencadenar nuevas acciones.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5R5LeNNTxbsD_Intelligent-Automation-rules-based-workflows.png?auto=format%2Ccompress\u0026rect=3%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Rules-based workflow tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5R5LeNNTxbsD","edit":{"x":3,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Un buen ejemplo de las muchas mejoras que hemos aplicado a Alfa Systems 6, consiste en permitir que el uso real (en comparación con el uso estimado del contrato), pueda desencadenar un conjunto de decisiones basadas en reglas, que lleguen a aplicar una rescisión anticipada del contrato o incluso una ampliación con respecto a la fecha de finalización, incluyendo cálculos complejos de provisiones.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Aunque Alfa está explorando minuciosamente el uso de IA predictiva para sus flujos de trabajo, los resultados ya obtenidos a través de las reglas de negocio representan una automatización inteligente de gran eficacia. Una ventaja importante de este método consiste en que el usuario de Alfa Systems puede conocer, con facilidad y desde la interfaz de usuario, la auditoria de los datos y las decisiones tomadas por Alfa Systems para provocar un resultado en concreto, lo que permite una mayor variedad de casos de uso para los procesos de automatización.","spans":[],"direction":"ltr"},{"type":"heading3","text":"2. AskThea","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea es un chatbot conversacional de inteligencia artificial creada por innovadores en Alfa. Ha sido entrenada con las bibliotecas de documentación de Alfa Systems, gracias a lo cual, puede proporcionar información de manera inmediata.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_mHh5LeNNTxbta_Intelligent-Automation-AskThea.png?auto=format%2Ccompress\u0026rect=0%2C1%2C839%2C559\u0026w=150\u0026h=100","alt":"AskThea logo","copyright":null,"dimensions":{"width":150,"height":100},"id":"Zp_mHh5LeNNTxbta","edit":{"x":0,"y":1,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"AskThea permite que el conjunto de usuarios de Alfa Systems (entre los cuales se incluyen administradores, desarrolladores de integración, personal de soporte, personal para la gestión de los cambios y personal para las tareas de formación), puedan comprender, de manera más eficiente, todas las funciones que ofrece Alfa Systems. AskThea ofrece respuestas inmediatas sobre la mejor forma de afrontar nuevos requisitos empresariales o de carácter técnico.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"AskThea es altamente escalable. Puede integrar una amplia variedad de recursos junto con las bibliotecas de Alfa. AskThea está evolucionando constantemente y el valor añadido que aporta es cada vez más beneficioso. Es capaz de gestionar todo tipo de tareas administrativas, como, por ejemplo, ofrecer ayuda en lo que respecta a una configuración específica para nuestros clientes y puede ofrecer orientación técnica sobre la API. Además, también puede ayudar a los usuarios en su formación y en lo que respecta a los procedimientos de atención al cliente.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"3. Alfa Decisioning","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Decisioning es un motor de decisión crediticia de última generación, que puede ampliarse con un modelo de inteligencia artificial (IA) de tipo «conectable». Este motor, se sustenta en las excepcionales capacidades de suscripción de Alfa Systems.","spans":[],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zp_h5B5LeNNTxbsC_Intelligent-Automation-Alfa_Decisioning.png?auto=format%2Ccompress\u0026rect=0%2C0%2C1316%2C1316\u0026w=150\u0026h=150","alt":"Alfa Decisioning tile","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zp_h5B5LeNNTxbsC","edit":{"x":0,"y":0,"zoom":1,"background":"transparent"}},{"type":"paragraph","text":"Ahora, los clientes de Alfa Systems pueden crear sus propios árboles de decisión y sus sistemas de calificación, basándose en datos sobre el cliente extraídos del almacén de datos operativos de Alfa Systems. Los árboles de decisión se pueden crear y controlar fácilmente, utilizando un editor visual que permite arrastrar y soltar, y pueden ser invocados por el motor de flujo de trabajo de Alfa Systems, gracias a lo cual, se puede automatizar una proporción cada vez mayor las decisiones de suscripción.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Gracias a nuestra experiencia implementando cálculos de «probabilidad de impago» con Alfa iQ, las reglas de decisión pueden ser ampliadas usando un modelo personalizado de IA predictiva. Al integrar datos de los clientes con la información proveniente de las agencias de referencia de crédito y también con el comportamiento histórico del cliente, el modelo genera probabilidades de impago, que se puede utilizar como un factor adicional para el motor de decisiones. Gracias a esto, se pueden reducir riesgos y potencialmente favorecer la expansión hacia a los nuevos sectores del mercado.","spans":[],"direction":"ltr"}]},"id":"rich_text$2f40fa57-af09-4d3a-a059-63faf3c3e459","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Automatización Inteligente: como proyecto de futuro","spans":[],"direction":"ltr"}]},"id":"rich_text$15506dde-47e5-4613-b07a-e56780b13fe0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Generación de informes utilizando lenguaje natural","accordion_item_copy":[{"type":"paragraph","text":"El almacén de los datos operativos (ODS) de Alfa Systems, contiene una gran cantidad de información que puede utilizarse en informes y análisis. No obstante, la amplitud de los datos disponibles, puede ser abrumadora para los usuarios empresariales a la hora de elaborar informes.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Las futuras herramientas de generación de informes, permitirán que los usuarios describan la información que necesiten utilizando lenguaje natural; facilitando el acceso a las estructuras de datos del almacén de los datos operativos (ODS), sin necesidad de tener que conocer en profundidad el diccionario de datos. Usuarios sin formación técnica podrán crear fácilmente los informes que necesiten.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Documentación del producto, creada específicamente para el cliente","accordion_item_copy":[{"type":"paragraph","text":"Los clientes de Alfa Systems tienen acceso a una gran cantidad de opciones de configuración, que permiten que la plataforma pueda adaptarse a sus necesidades empresariales. Mediante el uso de IA, se puede ofrecer a los clientes una conversación en lenguaje natural sobre la configuración que necesiten. De esta manera, los administradores pueden entender mejor cómo las modificaciones afectan a Alfa Systems y generar documentación específica para la versión y configuración que tenga el cliente. Todo esto, permite a los usuarios una mayor comprensión sobre cómo utilizar las diferentes funciones a su alcance.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mientras que cada vez resulta más fácil generar la documentación del cliente a partir de su configuración, así mismo es cada vez menos necesario tener que crear dicha documentación. No obstante, los clientes también pueden tener manuales de procedimiento, materiales de formación y a otras fuentes de documentación que les gustaría poder acceder desde una plataforma integrada basada en lenguaje natural. Cuando se utiliza la documentación de los productos de Alfa Systems, incluyendo la configuración del cliente y documentación proporcionada por el propio cliente, Alfa ofrece una solución integral de auto-asistencia, única en su género.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Gestión de la carga de trabajo","accordion_item_copy":[{"type":"paragraph","text":"Alfa está centrando sus esfuerzos en ofrecer análisis predictivos de vanguardia, mediante el análisis continuo de la evolución de los casos, el análisis de la carga de trabajo de los operadores y también, mediante el análisis de los efectos estacionales. Todo esto permite que se pueda llevar a cabo la asignación inteligente de los casos y unas alertas precisas según los acuerdos de los niveles de servicio (SLA); gracias a lo cual, se puede obtener una visión completa sobre cómo se gestiona la carga de trabajo. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Mediante la utilización de un amplio rango de indicadores, entre los cuales se incluyen predicciones en las rutas del flujo de trabajo, información sobre los activos y los perfiles de terceros, Alfa Systems, puede proyectar la duración de cada caso, pudiendo identificar posibles incumplimientos de los acuerdos de los niveles de servicio y garantizar acciones adecuadas para los casos y optimización de la gestión de las colas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Eficacia para los desarrolladores","accordion_item_copy":[{"type":"paragraph","text":"Para los desarrolladores, las herramientas de IA van mucho más allá de la simple generación de código, dado que también ofrecen un conjunto de ayudas muy amplio. De hecho, pueden ayudar a debatir y criticar soluciones, ayudar a optimizar el código para mejorar el rendimiento y ayudar a comprender los proyectos existentes para integrar mejor las nuevas soluciones. Con la asistencia inteligente al desarrollador, los equipos de programación pueden producir código de manera más eficiente y segura, pudiendo integrarlo en mucho menos tiempo.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Además de utilizar nuestros propios procesos internos, en Alfa, también utilizamos un conjunto avanzado de herramientas de alta calidad, que están centradas en la seguridad y en el análisis de vulnerabilidades, para garantizar un producto final que permita ofrecer la máxima fiabilidad, por la cual, Alfa Systems ya es sobradamente conocida en el mercado. En el futuro, estaremos encantados de compartir todos estos conocimientos con los desarrolladores de integración.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$9673686b-e7fa-4577-ae38-d8d604075537","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Automatización Inteligente: para poder afrontar con decisión los retos y oportunidades","spans":[],"direction":"ltr"}]},"id":"rich_text$d07ca346-117f-406d-9725-b05c23066fcb","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: originación - rapidez de respuesta","accordion_item_copy":[{"type":"paragraph","text":"A medida que se intensifica la competencia, es vital que las empresas financieras proporcionen una respuesta inicial al mayor número de solicitudes, lo más rápido posible. Cuando los índices de automatización deseados se acercan al 80 %, cualquier aumento requiere de una automatización inteligente propulsada por un conjunto de reglas complejas, que sean fácilmente actualizables. IA podría llegar a desempeñar un papel muy importante en el avance y en el perfeccionamiento de dichos conjuntos de reglas.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: la necesidad de la flexibilidad","accordion_item_copy":[{"type":"paragraph","text":"Las empresas financieras deben adelantarse a las tendencias del mercado y adaptar eficazmente sus modelos de negocio probando nuevos procesos utilizando tecnologías emergentes. Es crucial mantener la tecnología al día, minimizando los costes de actualización e implementación. Las herramientas de inteligencia artificial generativa, como AskThea, son ideales para este propósito, ya que aumentan la accesibilidad de la documentación sobre los productos complejos para los usuarios finales.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: encontrar mano de obra cualificada, que aporte valor añadido","accordion_item_copy":[{"type":"paragraph","text":"Se ha convertido en un reto a nivel mundial, poder contratar y retener a los profesionales mejores cualificados que, a su vez, sean rentables para las empresas. Es de suponer que una tecnología que incorpore inteligencia artificial, podría reducir la necesidad de contratar personal que tan solo realice funciones básicas. En visión más realista, la IA puede llevar a la reasignación de cargas de trabajo al automatizar tareas repetitivas de escaso valor, y liberar personal para llevar a cabo actividades que aporten un mayor valor a la empresa, generar ingresos mayores y aumentar la satisfacción en el entorno laboral. Los flujos de trabajo automatizados de Alfa, junto con las capacidades que aportan los procesos tecnológicos internos de GPT y Copilot, pueden ayudar de manera eficiente a mitigar este problema.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: las expectativas de los clientes","accordion_item_copy":[{"type":"paragraph","text":"Los clientes, siempre esperan más. Un padre primerizo ha compartido en las redes recientemente cómo utiliza los datos analíticos de su monitor para bebés, para poder comprender cuáles son los patrones de sueño de su bebé. Este ejemplo tan simple puede darnos una idea de las expectativas actuales. Ahora, los clientes exigen respuestas más eficientes, precisas y casi en tiempo real, algo que no siempre es factible en torno a procesos humanos y manuales. Los flujos de trabajo automatizados que incorporan las reglas de negocio y modelos de lenguaje natural a medida de lo posible, permiten ofrecer respuestas rápidas, al tiempo que también hacen posible que el cliente, perciba una atención de alta calidad.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: la regulación de IA","accordion_item_copy":[{"type":"paragraph","text":"A medida que la IA va evolucionando rápidamente y se va implantando en todas las empresas, también van llegando las normativas que la regulan y las expectativas de fiabilidad que se esperan de esta tecnología. Mientras los reguladores ponen máximo empeño en crear normativas que garanticen un funcionamiento justo y equitativo de la IA, a menudo el ritmo de innovación el más rápido, lo que crea unas panorama complicado de navegar para las empresas.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Inicialmente, Alfa ha decidido adoptar a la «IA como una guía» siempre que esto sea posible. Hemos puesto nuestro máximo esfuerzo en minimizar los riesgos, tanto para las personas, como para las empresas. Trabajamos en estrecha colaboración con AWS y con otros colaboradores, para supervisar los cambios legislativos y para garantizar que se puedan incorporar a los procesos de desarrollo.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Los elementos diferenciadores de Alfa - la excelencia del personal, la tecnología y la ejecución - garantizan que pueda poner su confianza en nosotros con respecto a la inteligencia artificial, incluyendo la consultoría para su implantación.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: IA como servicio","accordion_item_copy":[{"type":"paragraph","text":"Aunque Alfa ya cuenta con una gran experiencia en la creación de sus propias soluciones de IA personalizadas, seguimos esforzándonos «para no tener que reinventar la rueda», mientras podamos seguir aprovechando las excelentes relaciones que tenemos con nuestros colaboradores; gracias a las cuales, podemos ofrecer una experiencia de uso de IA, que se integre perfectamente con las expectativas del cliente. Desde la verificación de identidad hasta el reconocimiento y comprensión de los documentos, gracias a una amplia gama de APIs y de servicios que Alfa Systems ha diseñado pensando en la personalización y en la integración que los clientes puedan necesitar en el futuro.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Obtenga más información sobre el último pilar en el que se sustenta Alfa Systems 6, el ecosistema de colaboración: una integración sencilla con las innovaciones del mercado y a través de la red de socios de confianza de Alfa.","spans":[{"start":84,"end":113,"type":"strong"}],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$612bfe5e-1bf1-486f-ab2b-a866a4829582","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"button_label":"Solicite una demostración","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/request-a-demo"}},{"button_label":"Consúltenos","button_link":{"link_type":"Web","url":"https://forms.alfasystems.com/make-an-enquiry","target":""}}],"primary":{"theme":"cobalt-100","tag":"Póngase en contacto con nosotros","title":[{"type":"heading2","text":"Obtenga más información","spans":[],"direction":"ltr"}]},"id":"action_banner$b9d81888-9c7e-48e4-ad65-f47877ab1a74","slice_type":"action_banner","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"Zwel8BAAACUA_UyY","uid":"es-scalability","url":"/en-ap/product/article/es-scalability","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Zwel8BAAACUA_UyY%22%29+%5D%5D","tags":[],"first_publication_date":"2024-10-17T16:37:08+0000","last_publication_date":"2024-10-17T16:37:08+0000","slugs":["fundada-sobre-seis-pilares-alfa-systems-6-ayuda-a-los-proveedores-financieros-a-afrontar-sus-retos-y-obtener-el-maximo-partido-de-las-lucrativas-oportunidades-esperandolos."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Zwe24xAAACIA_WYH","type":"product","lang":"en-us","uid":"es-scalability"},{"id":"ZwaVChAAACMA-8lw","type":"product","lang":"en-eu","uid":"es-scalability"}],"data":{"product_type":"6 - ES","image":{"dimensions":{"width":1476,"height":936},"alt":"Alfa Systems 6 transition graphic","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/ZvwshrVsGrYSwP_O_Transition_4th_Release2.gif?auto=format,compress\u0026rect=205,0,1183,750\u0026w=1476\u0026h=936","id":"ZvwshrVsGrYSwP_O","edit":{"x":205,"y":0,"zoom":1,"background":"transparent"}},"icon":{"dimensions":{"width":128,"height":128},"alt":"Scalability icon","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/6de2ee72-105b-4e26-8e2d-9f8bf618633c_04_Scalability+Flat.png?auto=compress,format\u0026rect=0,0,80,80\u0026w=128\u0026h=128","id":"ZaVKvhUAACUAhGLm","edit":{"x":0,"y":0,"zoom":1.6,"background":"transparent"}},"label":"Alfa Systems 6","title":"Pilar 4: Escalabilidad","subheading":"Un sistema de funcionamiento realmente continuo y coherente desde el punto de vista financiero; sin aplicar restricciones.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Fundada sobre seis pilares, Alfa Systems 6 ayuda a los proveedores financieros a afrontar sus retos y obtener el máximo partido de las lucrativas oportunidades esperándolos.","spans":[],"direction":"ltr"}]},"id":"rich_text$2e191f70-65e6-4e63-ae93-3d4766b3e9e0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"¿Por qué es importante la escalabilidad?","spans":[],"direction":"ltr"},{"type":"paragraph","text":"En Alfa Systems 6, la escalabilidad presenta un conjunto de funciones de vanguardia, que han sido diseñadas para aquellos proveedores que necesitan escalar su negocio con flexibilidad y rapidez.","spans":[{"start":3,"end":17,"type":"strong"}],"direction":"ltr"},{"type":"image","url":"https://images.prismic.io/alfa-website-2022/Zh-8SEaI3ufuUQLT_Scalability_tile.png?auto=compress,format\u0026rect=0,1,549,549\u0026w=150\u0026h=150","alt":"scalability icon","copyright":null,"dimensions":{"width":150,"height":150},"id":"Zh-8SEaI3ufuUQLT","edit":{"x":0,"y":0,"zoom":0.273224043715847,"background":"#fff"}},{"type":"paragraph","text":"Esto también se aplica a aquellos proveedores que necesitan seguir expandiéndose en sus mercados actuales o que necesitan introducirse en nuevas zonas y líneas de negocio, pero que, no obstante, también necesitan mantener unos altos niveles de flexibilidad, al tiempo que van minimizando los gastos de capital.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La plataforma de Alfa Systems es estable, robusta y eficaz; ya que las inversiones a largo plazo de Alfa han proporcionado un pilar de escalabilidad formidable, que permite proporcionar a los proveedores financieros todo lo que necesitan para:","spans":[{"start":135,"end":148,"type":"em"}],"direction":"ltr"},{"type":"list-item","text":"Optimizar y flexibilizar el gasto en los recursos: El modelo de recursos adaptables que proporciona Alfa Cloud, ofrece según las necesidades que se requieran y cuando se necesite: implementaciones automatizadas, bases de datos sin servidor y procesos con certificación SOC1.","spans":[{"start":0,"end":49,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Incorporar de nuevas carteras: gracias a potentes nuevas herramientas, la transferencia de las carteras adquiridas a Alfa Systems 6 se convierte en una tarea rápida y sencilla.","spans":[{"start":0,"end":29,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Expandirse a nuevos mercados: mediante las reglas de negocio y la gestión avanzada de la configuración, Alfa Systems 6 le ofrece todo lo necesario, para que pueda implementar sus operaciones con flexibilidad y rapidez. Puede utilizar la misma configuración en varios países o usarla como punto de partida para la configuración en nuevas zonas o en nuevas líneas de negocio.","spans":[{"start":0,"end":28,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Aprovechar el rendimiento al máximo, ofreciendo una operatividad real, durante las 24 horas al día y 7 los días a la semana: gracias a las nuevas funciones de «cierre continuo» se puede ofrecer una operatividad ininterrumpida durante las 24 horas del día, al tiempo que también se ofrece un rendimiento superior, lo que supone una primicia en el mercado. En este entorno, las carteras progresan, sin problema, hasta el día siguiente, sin tiempo de inactividad. Esto permite un establecer un ecosistema de autoservicio digital permanente para todas las operaciones (y no solo a las cotizaciones).","spans":[{"start":0,"end":123,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Presentación del concepto de escalabilidad en Alfa Systems 6:","spans":[{"start":29,"end":60,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$57348e93-2f58-4cc9-a981-b451dbf89415","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"vimeo_video_id":"944135319","video_caption":[{"type":"paragraph","text":"Escalabilidad en Alfa Systems 6","spans":[],"direction":"ltr"}]},"id":"article_video$41197a34-9602-4fd8-a1a2-98856b3acd0c","slice_type":"article_video","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"quote":[{"type":"paragraph","text":"«La escalabilidad, representa el cuarto pilar en el que se sustenta Alfa Systems 6. Este pilar, permite que los proveedores de servicios financieros puedan planificar con eficacia y con confianza, todas las ampliaciones de sus operaciones, sin tener que preocuparse por los aumentos en el gasto del capital. Gracias a esto, pueden aprovechar la ventaja que aportan las economías escalables y mitigar el riesgo de una base de costes más elevada».","spans":[],"direction":"ltr"}],"author":"Emily Hammond, Directora de Producto"},"id":"article_quote$52314dad-6b9e-43ef-a807-bf70754cac83","slice_type":"article_quote","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Presentación del concepto de escalabilidad en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Durante los últimos años, el entorno en el que han tenido que operar los proveedores de servicios financieros, no ha sido nada fácil. El aumento de los costes, la escasez de personal cualificado y la evolución de las normativas a nivel mundial, ha obligado a las empresas financieras a tener que retirarse de los mercados o bien, a tener que ampliar sus operaciones para poder aprovechar las economías de escala. ","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Los retrasos en la implementación de los aumentos de los requisitos de capital en Basilea IV (también conocido como Basilea 3.1 y Basilea III Endgame), junto con algunas quiebras bancarias de gran repercusión financiera, han puesto de manifiesto la necesidad de transferir riesgos fuera de los balances. También han exigido que se aplique una medición del riesgo más precisa y la diferenciación de los tipos de activos. Esta situación presenta una oportunidad y también una amenaza, que se puede manifestar en fusiones y adquisiciones, con carteras mucho más grandes que, a su vez, podrían ser consolidadas por bancos con gran experiencia en los procesos y controles óptimos necesarios. Los vencedores de esta batalla serán aquellos que sepan aprovechar las tecnologías de escala, para poder reaccionar con rapidez y con astucia.","spans":[{"start":130,"end":149,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$ed06331b-99a1-4614-ae55-f7da6db66b68","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":894},"alt":"with the right technology model, you can scale your business with flexibility and speed","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju8jEMTzAJOCpBn_scalability_tech.png?auto=compress,format\u0026rect=0,0,1911,1068\u0026w=1600\u0026h=894","id":"Zju8jEMTzAJOCpBn","edit":{"x":0,"y":0,"zoom":0.837257980115123,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$f8c23005-5e51-4031-b1f0-a30c3f7b9443","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"El sector ya ha experimentado un importante proceso de consolidación, tanto en los procesos de gestión, como en la propiedad de las carteras. Para gestionar eficazmente estas carteras ampliadas, con alcance internacional y para asegurarse de que son las adecuadas para capitalizar las economías de escala, los proveedores de servicios financieros necesitan:","spans":[],"direction":"ltr"},{"type":"list-item","text":"Realizar operaciones las 24 horas del día, durante los 7 días de la semana, estando siempre operativos y disponibles.","spans":[{"start":0,"end":41,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Incorporarse a un panorama tecnológico que se define por ser rápido y muy eficaz, partiendo de una base más alta. Además, también deben centrarse en la escalabilidad, para poder satisfacer las demandas de rendimiento, a medida que vayan surgiendo; gracias a lo cual, podrán garantizar una eficiencia continuada.","spans":[{"start":0,"end":80,"type":"strong"}],"direction":"ltr"},{"type":"list-item","text":"Utilizar dentro del sistema actual, métodos sencillos y sin complicaciones, para ampliar su cartera (incorporando incluso, procesos y productos diferentes).","spans":[{"start":0,"end":34,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$fc395813-d521-49c2-aea4-e2a104a44de2","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Alfa Cloud: es la solución de alojamiento nativo en la nube, que forma parte de Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa Cloud, se caracteriza por ser una solución estandarizada de tipo SaaS y single-tenant (uso no compartido de recursos), que actúa de manera nativa de la nube. Esta solución ha sido diseñada para aquellos clientes que necesitan escalar su oferta de manera más eficiente, ya sea de forma dinámica o a demanda.","spans":[{"start":0,"end":10,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}},{"start":0,"end":10,"type":"strong"}],"direction":"ltr"},{"type":"paragraph","text":"Alfa Systems ha realizado inversiones considerables en Alfa Cloud, la piedra angular de todas sus implantaciones, para sustentar el pilar de la escalabilidad. Gracias a las tecnologías punteras y a los servicios automatizados, los clientes pueden lanzar al mercado soluciones innovadoras que garanticen un rendimiento óptimo. Dichos lanzamientos, no tendrán que quedarse limitados a las operaciones diarias, sino que también podrán realizarse durante las horas punta, que es cuando se ejecutan los procesos con mayor carga de trabajo.","spans":[],"direction":"ltr"}]},"id":"rich_text$0509c944-b39f-4aa4-a8ba-f5325fbb39d0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":514},"alt":"Alfa cloud logo","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/34ba032d-57ca-4cc9-8b42-c212d9dbfdd5_Alfa_Cloud.png?auto=compress,format\u0026rect=0,0,11097,3565\u0026w=1600\u0026h=514","id":"ZIri0xUAACwA_xkF","edit":{"x":0,"y":0,"zoom":0.14417952314165497,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$30dfec7e-046a-43cf-914f-06fb193f61f3","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"paragraph","text":"La escalabilidad, como concepto, aporta unas novedades muy importantes en Alfa Cloud:","spans":[{"start":74,"end":84,"type":"hyperlink","data":{"id":"Y1q7AREAAF5wBedv","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-is-hosted-securely-on-the-aws-public-cloud.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"cloud-hosting","url":"/en-ap/product/article/cloud-hosting","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},"id":"rich_text$9e9d06d9-ce0d-48c3-9797-a8fe08bf6d77","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Autoescalado dinámico de las bases de datos","accordion_item_copy":[{"type":"paragraph","text":"Para aprovechar al máximo toda la potencia de las tecnologías sin servidor que aporta AWS Aurora, Alfa Cloud se complace en presentar el «autoescalado dinámico de las bases de datos». Gracias a este sistema, el método tradicional de las actualizaciones planificadas para las bases de datos, queda relegado a algo obsoleto. Atrás quedaron los días en los que había que ceñirse a un tamaño fijo de la base de datos, para poder hacer frente a los picos de demanda, lo que solía ocurrir al final del día, cuando se llevaban a cabo las tareas de procesamiento. Con la infraestructura como código y con los clústeres sin servidor, el escalado de la base de datos, se produce automáticamente, de manera extremadamente productiva y solamente cuando es necesario; gracias a lo cual, se puede garantizar una eficiencia y un rendimiento óptimos. Tanto si está incorporando 1000 nuevos concesionarios o agentes rápidamente, o como si, por ejemplo, se encuentre ejecutando una migración de cartera urgente, Alfa Cloud cumple con esta demanda cuando otras soluciones no pueden.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Las pruebas ya realizadas a estas nuevas tecnologías y la gestión automatizada de la capacidad de respuesta, han mostrado ofrecer una mejoría de rendimiento en tiempo real, que se traduce en un rendimiento de hasta 3,3 veces mejor, en comparación con una cartera similar, que haya sido implementada en un centro de datos heredado.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Escalado de aplicaciones","accordion_item_copy":[{"type":"paragraph","text":"La integración de tecnologías en otras áreas (como por ejemplo Compose, que se sustenta en el sistema Render, el cual permite la generación de contenido desde el servidor, dentro de nuestros productos preconfigurados Alfa Start o Total Originations), consolida de manera robusta a Alfa Cloud, como el mejor candidato para escalar las aplicaciones. Dicha capacidad de escalado, garantiza a su vez, que nuestros clientes puedan aprovecharse de las ventajas del escalado dinámico (ascendente, descendente y entre los servidores), gozando de la mayor seguridad, para poder conservar aquella información que sea más importante durante la sesión.","spans":[{"start":63,"end":70,"type":"hyperlink","data":{"id":"ZW4M3REAACAAKRhv","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2023-12-05T13:09:33+0000","last_publication_date":"2024-10-01T18:00:52+0000","uid":"efficiency","url":"/en-ap/product/article/efficiency","link_type":"Document","isBroken":false}},{"start":217,"end":227,"type":"hyperlink","data":{"id":"Y2ALAhEAACEAHYrX","type":"start","tags":[],"lang":"en-ap","slug":"start","first_publication_date":"2022-10-31T17:51:03+0000","last_publication_date":"2023-10-26T11:01:57+0000","uid":"start","url":"/en-ap/product/start","link_type":"Document","isBroken":false}},{"start":230,"end":248,"type":"hyperlink","data":{"id":"ZZ_3_REAAFoAcHSq","type":"product","tags":[],"lang":"en-ap","slug":"founded-on-six-pillars-alfa-systems-6-helps-finance-providers-tackle-the-significant-challenges-they-face-and-seize-the-lucrative-opportunities-that-lie-waiting.","first_publication_date":"2024-01-16T11:18:23+0000","last_publication_date":"2024-10-01T17:57:34+0000","uid":"total-capability","url":"/en-ap/product/article/total-capability","link_type":"Document","isBroken":false}}],"direction":"ltr"}]},{"accordion_item_label":"Gastos operativos variables","accordion_item_copy":[{"type":"paragraph","text":"Alfa Cloud permite a nuestros clientes abandonar las estructuras rígidas establecidas por los costes fijos y adoptar un modelo de gastos operativos variables (OpEx). En este modelo, solamente se incurre en los costes cuando sea necesario. Gracias a la inversión estratégica en personal y a la inversión en los procesos, como por ejemplo, al haberse invertido en los procedimientos de aplicación de parches sin necesidad de intervención, hemos sido capaces de crear una nueva realidad para nuestros clientes, permitiéndoles aprovechar las economías escalables y toda la experiencia de Alfa Systems en los sistemas de gestión.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Procesado continuo, durante las 24 horas del día y los 7 días de la semana, con cierre a nivel de entidad","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems somete constantemente a sus productos a un desarrollo continuo, encontrando constantemente nuevas maneras para que sus clientes puedan centrarse en las escalabilidad, tanto a nivel vertical (por volumen de contratos) como a nivel horizontal (entre zonas). Nuestra inversión en sistemas de procesamiento, que trabajan incansablemente durante las 24 horas del día y los 7 días a la semana, permite que nuestros clientes puedan acceder a una única aplicación, que se encuentra activa, a nivel general*.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"La mayor eficacia de un cierre continuo, cuando se gestiona a nivel de entidad, ofrece un conjunto de ventajas, realmente provechosas. Más allá de su rendimiento superior y de la reducción de la presión sobre las bases de datos, este método consigue facilitar un flujo de operaciones ininterrumpidas, que se extiende de manera continua durante las 24 horas del día y los 7 días de la semana. En este entorno, marcado por una eficiencia dinámica sin precedentes, las carteras avanzan hasta el día siguiente, sin problema alguno y sin que se registren interrupciones, con una indicación clara sobre su estado; tanto en la interfaz de usuario, como a través de los servicios web.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Todo esto permite establecer un ecosistema de autoservicio digital permanente, el cual se aplica a todas las operaciones (y no solo a las cotizaciones); permitiendo, por ejemplo, el acceso a un servicio de atención al cliente en el extranjero, durante toda la jornada laboral, así como a poder realizar operaciones en diferentes países, cada uno de los cuales con su propio proceso de cierre continuo.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"*sometida a posibles restricciones o limitaciones, en virtud de las leyes y regulaciones sobre la soberanía de los datos","spans":[{"start":0,"end":120,"type":"em"}],"direction":"ltr"}]},{"accordion_item_label":"Una única aplicación para varios países","accordion_item_copy":[{"type":"paragraph","text":"Alfa Systems, goza de un gran reconocimiento internacional y se caracteriza por su flexibilidad en constante evolución, gracias a la cual, se pueden efectuar implementaciones de manera muy eficaz, en múltiples países o estados; pudiendo adaptarse fácilmente: a las leyes existentes, a los tipos de productos, a normativas de información sobre los principios de contabilidad generalmente aceptados (PCGA) y a los procesos operativos. La potencia de las reglas de negocio y del flujo de trabajo, junto con la segregación de los parámetros y los procesos de invocación personalizada de los servicios externos, quedan además fomentadas por la mecánica eficiente de la lógica empresarial. Gracias a todo esto, se puede garantizar que la misma aplicación base pueda funcionar perfectamente y dar servicio a diferentes zonas o jurisdicciones.","spans":[],"direction":"ltr"}]}],"primary":{},"id":"article_accordion$0ad11fee-75b5-40c0-94eb-62885f18d35d","slice_type":"article_accordion","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"theme":"white-100","copy":[{"type":"heading2","text":"El escalado dinámico de las bases de datos y de las aplicaciones, de los gastos operativos variables y el funcionamiento permanente de Alfa Cloud, permiten prestar servicio a diferentes jurisdicciones y aprovechar las economías escalables.","spans":[],"direction":"ltr"}]},"id":"text_banner$b567837b-bdd0-4706-b2a7-fb4b2d6c8502","slice_type":"text_banner","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Escalabilidad: aún mejor en Alfa Systems 6","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Escalabilidad en Alfa Systems 6: un sistema de funcionamiento realmente continuo, coherente desde el punto de vista financiero; sin aplicar restricciones.","spans":[{"start":0,"end":154,"type":"strong"}],"direction":"ltr"},{"type":"heading3","text":"Auditoría como servicio","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa goza de un gran reconocimiento en el sector, gracias a su equipo especializado y a la solidez de los procesos que ha ido estableciendo a lo largo de su trayectoria. Este conjunto único de factores permite ofrecer una aplicación alojada segura y eficaz que se adhiere a los estrictos procesos de gobernanza, de riesgo y de cumplimiento normativo (GRC). Todo esto define el conjunto de las normas que se exigen a los proveedores de servicios de software y representan la columna vertebral de las principales instituciones financieras.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Nuestros equipos especializados en seguridad de la información y en protección de datos, son capaces de garantizar de manera efectiva, la seguridad de los datos y el cumplimiento de las obligaciones de conformidad, siendo capaces de satisfacer las exigencias de los auditores más rigurosos. Por esa razón, Alfa ha obtenido los certificados ISO 27001 y 27018* y también dispone de informes SOC 1 Tipo II y SOC 2 Tipo II**, los cuales están gestionados por auditores externos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Para proporcionar transparencia y para apoyar los requisitos de auditoría de los clientes, ofrecemos informes SOC 2 Tipo II y cartas puente trimestrales (para cubrir el período entre los informes de auditoría), las cuales, pueden descargarse desde del portal de autoservicio de Alfa Cloud. Para reducir los costes de los auditores, tanto internos como externos, los clientes pueden solicitar a petición propia, un informe SOC 1 Tipo II, aprovechándose de esa manera de las ventajas que ofrecen las economías de escala de Alfa.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"ISO 27001:2022, ISO 27018:2019\n*SSAE 18 SOC 2 Tipo II, SOC 1 Tipo II","spans":[{"start":0,"end":68,"type":"em"}],"direction":"ltr"}]},"id":"rich_text$ee042ff9-2172-4885-939c-ac84e9cc1647","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"image":{"dimensions":{"width":1600,"height":504},"alt":"minimize capex, forget downtime, maintain the edge, scale with confidence","copyright":null,"url":"https://images.prismic.io/alfa-website-2022/Zju-3EMTzAJOCpCW_scalability_do.png?auto=compress,format\u0026rect=0,0,1908,601\u0026w=1600\u0026h=504","id":"Zju-3EMTzAJOCpCW","edit":{"x":0,"y":0,"zoom":0.8386023294509152,"background":"transparent"}},"caption":[],"hero_image":false},"id":"article_image$2561f3bf-14f8-4c08-ac06-4dde12d2f9d0","slice_type":"article_image","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading3","text":"Nuevas herramientas: Carga de la cartera y migración","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Aunque la migración inicial de los datos se suele llevar a cabo como parte de los proyectos de implementación, normalmente los clientes de Alfa suelen verse obligados a tener que incorporar carteras importantes, provenientes de los sistemas heredados. Esto puede ocurrir por diferentes razones, como, por ejemplo: por una nueva oferta de banca como servicio para otros proveedores financieros, por la puesta en marcha de una estrategia de migración a escala a partir de sistemas ya existentes o, simplemente, por haberse producido una adquisición.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Alfa ha sabido aprovechar el profundo conocimiento que tiene sobre las necesidades de los clientes, por esa razón, sus consultores han desarrollado un conjunto de herramientas vanguardistas e innovadoras, que permiten agilizar y automatizar todos los procesos de migración. Existen diferentes opciones disponibles para los clientes, las cuales han sido adaptadas a los distintos tipos de productos y a los tamaños de las carteras, así como a la información y a los comportamientos que los clientes esperan obtener de las herramientas punteras de Alfa Systems.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Captura de los cambios en los datos, a través del sistema de canalización de datos","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Gracias a las importantes inversiones que han sido realizadas para mejorar la escalabilidad de los datos y la mensajería para los sistemas externos, Alfa se complace en presentar el módulo Data Pipeline (para la canalización de los datos), que ofrece funciones para la captura de los cambios en los datos (CDC), que son de utilidad para el almacén de los datos operativos (ODS) de Alfa Systems.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Al aprovecharse todo el potencial que ofrece Apache Kafka para proporcionar una API que esté basada en los eventos, el módulo permite efectuar una integración fluida en las canalizaciones de los datos de los clientes; utilizando para ello un patrón de flujo de eventos. Gracias a esto, los clientes pueden recibir de forma eficaz y casi en tiempo real, flujos de datos en sus propias soluciones de almacenamiento de datos.","spans":[],"direction":"ltr"},{"type":"paragraph","text":"Los eventos se colocan en un tema dedicado, según la tabla del ODS, lo que permite una agrupación lógica y relacional de los datos, permitiendo además, que los consumidores de los temas (que son las aplicaciones o servicios que leen y procesan los eventos de los temas), puedan escalar de manera independiente. Además, para las notificaciones de los eventos de Alfa Systems, ahora somos compatibles con Kafka como destino, lo cual, facilita los consumos basados en Kafka, como un patrón de integración eficiente para aquellos sistemas que estén altamente interconectados y que operen de manera escalable.","spans":[],"direction":"ltr"},{"type":"heading3","text":"Rendimiento y calidad","spans":[],"direction":"ltr"},{"type":"paragraph","text":"A medida que aumentan los volúmenes de activos y los contratos, también aumenta la demanda de las infraestructuras de alto rendimiento y de aquellas herramientas y procesos que hayan sido perfeccionados a dichos efectos. De esta manera se puede garantizar el cumplimiento de los criterios de rendimiento y se minimizan las regresiones (tanto de los requisitos operativos, como de los no operativos), que estén derivadas de las nuevas implantaciones. Alfa ha invertido de forma proactiva en un equipo dedicado, para mejorar las herramientas, las infraestructuras y los procesos, con el objetivo de poder facilitar la creciente necesidad de escalabilidad.","spans":[],"direction":"ltr"}]},"id":"rich_text$8aedbb61-58a1-48a5-b250-c212b3a11af0","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading2","text":"Escalabilidad: para poder afrontar con decisión retos y oportunidades","spans":[],"direction":"ltr"},{"type":"paragraph","text":"","spans":[],"direction":"ltr"},{"type":"heading3","text":"Alfa Systems 6 puede transformar su negocio, para abrir nuevas fuentes de ingresos y aumentar la productividad de sus operaciones.","spans":[{"start":0,"end":130,"type":"strong"}],"direction":"ltr"}]},"id":"rich_text$bb8fb27e-5fb9-45ae-8006-ccb94d742b5a","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{"accordion_item_label":"Oportunidad: la banca como proveedor de servicios","accordion_item_copy":[{"type":"paragraph","text":"A medida que los requisitos normativos se hacen más y más exigentes, a los pequeños proveedores de servicios financieros, les resulta cada vez más caro mantener el software, los recursos, los procesos y el capital necesario. Esto abre la puerta de una oportunidad, para que los grandes proveedores puedan llegar a rentabilizar la eficiencia de sus plataformas y para que puedan aprovechar las economías de escala, prestando servicios a tales efectos o bien, adquiriendo carteras adicionales. Alfa está muy bien posicionada para facilitar esta transición, gracias a sus capacidades simplificadas para la carga y migración de carteras, junto con su capacidad excepcional, para poder llevar a cabo procesos de flujo de trabajo, plenamente automatizados y flexibles.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Oportunidad: el crecimiento del mercado de titulización","accordion_item_copy":[{"type":"paragraph","text":"A medida que las grandes instituciones financieras se enfrentan a los requisitos de capital, también pueden intentar llevar a cabo la reducción de la exposición al riesgo en sus balances. Esto podría implicar que se acabe sindicando el riesgo de las operaciones o incluso que se lleguen a titulizar carteras enteras para, posteriormente, venderlas a otras instituciones. En este mercado tan dinámico, solamente quienes muestren unos planteamientos realmente innovadores, serán los que finalmente puedan llegar a generar fuentes de ingresos sustanciales.","spans":[],"direction":"ltr"}]},{"accordion_item_label":"Reto: la normativa DORA","accordion_item_copy":[{"type":"paragraph","text":"En Europa, la normativa DORA exige que los proveedores de servicios financieros y que los bancos, certifiquen que sus proveedores de software son capaces de cumplir con las estrictas expectativas de escalabilidad, de fiabilidad y de rendimiento que se espera de ellos, sin olvidar que, además, también deben cumplir con las normas de gobernanza, de riesgo y de cumplimiento normativo (GRC) que han sido establecidas por los propios proveedores. 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Through close partnership, Alfa assists your organisation in realising the maximum benefit from the system, while transferring the knowledge required for internal application owners to continue to adapt and enhance the solution to organisational requirements once live.","spans":[]},{"type":"paragraph","text":"Alfa’s extensive in-app documentation guides both end users and application owners in navigating and configuring the system which, combined with a robust understanding of the dependencies between systems and processes within your organisation’s landscape, provides the foundation for continued change and optimisation.","spans":[]}]},{"accordion_item_label":"Finance Strategy and Transformation","accordion_item_copy":[{"type":"paragraph","text":"Business change can bring a new operating model, and with it changes to your processes, controls, reporting, people, and systems. 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The same approach must then be taken for all assets.","spans":[{"start":100,"end":110,"type":"strong"},{"start":113,"end":125,"type":"strong"}]},{"type":"paragraph","text":"To avoid having to report the emissions for operating leases as Scope 1 or 2, we expect the majority of our customers to choose the operational approach. 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[carbonaccountingfinancials.com] ","spans":[{"start":0,"end":138,"type":"hyperlink","data":{"link_type":"Web","url":"https://carbonaccountingfinancials.com/files/downloads/PCAF-Global-GHG-Standard.pdf"}}]}]},"id":"rich_text$8abe8897-524c-43b4-bac1-4ed281b94197","slice_type":"rich_text","slice_label":null},{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"Get in touch.","spans":[]},{"type":"paragraph","text":"GHG Reporting is a complementary add-on for current and prospective Alfa customers.","spans":[]},{"type":"paragraph","text":"Contact Alfa today.","spans":[{"start":0,"end":18,"type":"hyperlink","data":{"id":"Y1q7wREAAF5wBes8","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-05-01T14:18:38+0000","uid":"contact","url":"/en-ap/contact","link_type":"Document","isBroken":false}}]},{"type":"paragraph","text":"Read more about Business Intelligence in Alfa Systems.","spans":[{"start":0,"end":53,"type":"hyperlink","data":{"id":"Y1q7ABEAAF5wBedh","type":"product","tags":[],"lang":"en-ap","slug":"alfa-systems-business-intelligence-solution-provides-real-time-data-and-insights-custom-reports-and-pluggable-data-apis.","first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","uid":"business-intelligence","url":"/en-ap/product/article/business-intelligence","link_type":"Document","isBroken":false}}]}]},"id":"rich_text$5b03207f-d82f-4e22-a577-4ba3bf46d5f5","slice_type":"rich_text","slice_label":null}],"seo_title":null,"seo_description":null,"seo_keywords":null,"seo_image":{}}},{"id":"Y1q7BREAACMABeeQ","uid":"wholesale","url":"/en-ap/product/article/wholesale","type":"product","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Y1q7BREAACMABeeQ%22%29+%5D%5D","tags":[],"first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-10-01T09:00:46+0000","slugs":["a-single-platform-for-all-your-asset-and-auto-finance-transactions-the-always-on-alfa-systems-supports-the-full-customer-and-dealer-journey.-but-it-also-offers-the-industrys-standout-solution-for-wholesale-floorplan-business-selected-time-after-time-by-the-leading-operators."],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Y1q3qBEAACMABdX4","type":"product","lang":"en-us","uid":"wholesale"},{"id":"YzRiMBEAACIAoWUb","type":"product","lang":"en-eu","uid":"wholesale"}],"data":{"product_type":"Wholesale","image":{},"icon":{"dimensions":{"width":128,"height":128},"alt":"Wholesale Icon","copyright":null,"url":"https://alfa-website-2022.cdn.prismic.io/alfa-website-2022/a3ad6be3-8c08-46ba-bf04-51482cfaeeb1_02-wholesale-auto.svg","id":"YzKzFBEAALVOma_T","edit":{"x":0,"y":0,"zoom":3.2,"background":"#fff"}},"label":"Wholesale in Alfa Systems 6","title":"Wholesale Floorplan","subheading":"Enabling complicated and costly high-volume processes to be handled with minimal effort.","slices":[{"variation":"default","version":"sktwi1xtmkfgx8626","items":[{}],"primary":{"anchor_id":null,"article_rich_text":[{"type":"heading4","text":"A single platform for all your asset and auto finance transactions, the always-on Alfa Systems supports the full customer and dealer journey. 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5.4pt}p.as{margin:0cm;margin-bottom:.0001pt;line-height:115%;font-size:11.0pt;font-family:\"Arial\",\"sans-serif\";text-align:justify;line-height:normal}span.x{font-size:10.0pt;font-family:\"Objektiv Mk3\",\"sans-serif\"}td.u{width:214.7pt;padding:0cm 5.4pt 0cm 5.4pt}span.s{font-size:10.0pt; font-family:\"Objektiv Mk3\",\"sans-serif\"}\n .fr-view-element{font-family: sans-serif;font-size: 12pt;line-height: 140%;padding: 20px;box-sizing: border-box;overflow-x: auto;min-height: 60px;text-align: left;margin-bottom: 10px;width: 837px;} .fr-view-element img{padding: 0 1px;} .fr-view-element .r{margin: 63.8pt 1.6cm 62.35pt 1.6cm;} .fr-view-element p{font-size: 10pt;}\n\n\n\n\n\u0026lt;/style\u0026gt;\n\u0026lt;title\u0026gt;\u0026lt;/title\u0026gt;\n\u0026lt;/head\u0026gt;\n\u0026lt;body\u0026gt;\u0026lt;img src=\"https://tracker.live.rns-distribution.com/track.live-rns/5429091_d9353a075fe0b610698e373da828b7e4.png\" width=\"1\" height=\"1\" /\u0026gt;\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;RNS Number : 1643M\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Hldgs PLC\u0026lt;/org\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;chron\u0026gt;14 November 2024\u0026lt;/chron\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"fr-view-element\"\u0026gt;\n\u0026lt;div class=\"r\"\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\u0026lt;chron\u0026gt;14 November 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"am\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"am\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"am\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;Q3 Trading update\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"am\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;Strong revenue growth in Q3, increased profit expectation for FY24\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt; (\"Alfa\" or the \"Company\"), a leading developer of mission-critical software for the asset finance industry provides a scheduled update on trading for the quarter ended \u0026lt;chron\u0026gt;30 September 2024\u0026lt;/chron\u0026gt;.\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Strong trading\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;As expected, revenue grew strongly to \u0026lt;money\u0026gt;\u0026amp;#163;28m\u0026lt;/money\u0026gt; for the quarter, up 14% on last year and up 16% at constant currency. Key financial highlights for Q3 are:\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"an\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;\u0026amp;#9679;\u0026amp;#160;\u0026amp;#160;\u0026amp;#160; Continued strong sequential growth in Subscription revenues, up 19% versus Q3 last year.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"ao\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;\u0026amp;#9679;\u0026amp;#160;\u0026amp;#160;\u0026amp;#160; Software revenues rose substantially from the lower level of the past 12 months with a shift back towards client-led development after a period of strong investment.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"ap\"\u0026gt;\u0026lt;span class=\"ad\"\u0026gt;\u0026amp;#9679;\u0026amp;#160;\u0026amp;#160;\u0026amp;#160; Services revenues in Q3 were in line with Q3 last year and are expected to grow in Q4.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;We expect further strong growth in Q4 and the Board continues to expect mid to high single digit revenue growth for the full year despite currency headwinds of 1-2 percentage points for the year. We now expect full year costs to come in \u0026lt;money\u0026gt;\u0026amp;#163;1m\u0026lt;/money\u0026gt; lower than expected, with some expected costs deferred into next year. As a consequence, we expect operating profit for FY24 will be \u0026lt;money\u0026gt;\u0026amp;#163;1m\u0026lt;/money\u0026gt; ahead of our previous expectations.\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Operational performance\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;The third quarter saw continued focus on investing in our product. All six pillars of Alfa Systems 6 have now been launched to the market. The final two instalments deliver \"Intelligent Automation\" and \"Collaborative Ecosystem\", making customers more efficient and competitive through AI enabled automated decision-making and effortless integrations to other systems.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;This new major version exemplifies the cutting-edge technology and architectural choices that set us apart from our competitors and delivers functionality and capabilities that will differentiate us further and continue to drive sales momentum long into the future. \u0026lt;span class=\"ab\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;We will continue to invest in our product to ensure it retains its functional and technical lead over the market.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;We had six customer deliveries in the quarter, following on from the thirteen deliveries in the first half and with further important deliveries scheduled for Q4. Our ability to successfully deliver implementations and upgrades is a key competitive advantage.\u0026lt;span class=\"ab\"\u0026gt;\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Successful conversion of the pipeline\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;As announced at the time of our half year results, in August we contracted with a very large and globally recognisable new customer in the US Auto market. Overall TCV at \u0026lt;chron\u0026gt;30 September 2024\u0026lt;/chron\u0026gt; was \u0026lt;money\u0026gt;\u0026amp;#163;205m\u0026lt;/money\u0026gt; which has increased 56% from this time last year and is the highest it has ever been, showing the exceptionally strong performance over the last 12 months in converting the pipeline.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;This strong pipeline conversion has continued into Q4 and since the quarter end we have signed contracts with a pre-eminent European auto manufacturer and with the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt; and US equipment finance subsidiaries of a leading Japanese banking group further increasing TCV. We have also\u0026lt;/span\u0026gt; \u0026lt;span class=\"aa\"\u0026gt;started work under a letter of engagement with a new North American auto finance prospect . There are currently nine prospects in our late-stage pipeline. We are providing services to seven of these under letters of engagement. We expect to close more of these prospects in the coming months.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;We remain very confident in the overall strength of the pipeline from early stage through to late stage.\u0026lt;br /\u0026gt;\n\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\u0026lt;person\u0026gt;Andrew Denton\u0026lt;/person\u0026gt;, Chief Executive Officer\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"al\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\"The launch of Alfa Systems 6 is a major milestone for the Company and I am delighted with the reaction that we have already received from customers and prospective customers in day to day conversations and at industry conferences. This has set the foundations for strong future growth in the business as evidenced by the conversion of a number of key prospects along with the continuing strength of the pipeline. We are well placed to achieve our increased expectations for the year and we remain confident in 2025's performance and in the longer-term outlook for the business.\"\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;Enquiries\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;table class=\"ar\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Andrew Denton\u0026lt;/person\u0026gt;, Chief Executive Officer\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Duncan Magrath\u0026lt;/person\u0026gt;, Chief Financial Officer\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Andrew Page\u0026lt;/person\u0026gt;, Executive Chairman\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"u\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;+44 (0)20 7588 1800\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Teneo\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;James Macey White\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Victoria Boxall\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"u\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;+44 (0)20 7353 4200\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Barclays\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Robert Mayhew\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Anusuya Gupta\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"u\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;+44 (0)20 7623 2323\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Investec\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Patrick Robb\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Virginia Bull\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"u\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;+44 (0)20 7597 4000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;org\u0026gt;Panmure Liberum Ltd\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Rupert Dearden\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;James Sinclair-Ford\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 286;\" valign=\"top\" class=\"u\"\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;+44 (0)20 3100 2000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;p class=\"as\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Notes to Editors\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Alfa has been delivering software systems and services to the global asset and automotive finance industry since 1990.\u0026amp;#160; Our agile methodologies and specialised knowledge of asset and automotive finance enables the delivery of large software implementations and highly complex business change projects.\u0026amp;#160; With an excellent delivery track record now into its fourth decade, Alfa's experience and performance is unrivalled in the industry.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Alfa Systems, our class-leading technology platform, is at the heart of some of the world's largest asset and automotive finance companies. Alfa Systems supports both retail and corporate business for auto, equipment, wholesale and dealer finance on a multijurisdictional basis, including leases/loans, originations and servicing. A cloud-native, end-to-end solution with integrated workflow and automated processing using business rules, Alfa Systems provides compelling solutions to asset finance companies.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"aq\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;Alfa Systems is currently live in 37 countries.\u0026amp;#160; Alfa has offices in \u0026lt;location value=\"LR/eur\" idsrc=\"xmltag.org\" \u0026gt;Europe\u0026lt;/location\u0026gt;, \u0026lt;location value=\"LR/anz\" idsrc=\"xmltag.org\" \u0026gt;Australasia\u0026lt;/location\u0026gt; and \u0026lt;location value=\"LB/nam\" idsrc=\"xmltag.org\" \u0026gt;North America\u0026lt;/location\u0026gt;.\u0026amp;#160; For more information, visit\u0026lt;/span\u0026gt; \u0026lt;span\u0026gt;\u0026lt;span class=\"s\"\u0026gt;\u0026lt;a href=\"http://www.alfasystems.com\"\u0026gt;www.alfasystems.com\u0026lt;/a\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;span class=\"x\"\u0026gt;.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\n\n\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;This information is provided by RNS, the news service of the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt;. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;United Kingdom\u0026lt;/location\u0026gt;. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact \u0026lt;a href=\"mailto:rns@lseg.com\"\u0026gt;rns@lseg.com\u0026lt;/a\u0026gt; or visit \u0026lt;a href=\"http://www.rns.com/\"\u0026gt;www.rns.com\u0026lt;/a\u0026gt;.\u0026lt;br/\u0026gt;\u0026lt;br/\u0026gt;RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt; use the personal data you provide us, please see our \u0026lt;a href=\"https://www.lseg.com/privacy-and-cookie-policy\"\u0026gt;Privacy Policy\u0026lt;/a\u0026gt;.\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt; END\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;TSTBIBDBDUBDGSX\u0026lt;/body\u0026gt;\u0026lt;/html\u0026gt;\n\n\u0026lt;/body\u0026gt;\n\u0026lt;/html\u0026gt;","news_provider":"Regulatory News Service","news_provider_slug":"RNS"},{"title":"Director/PDMR Shareholding","link":"https://polaris.brighterir.com/public/alfa_financial_soft/news/json_news/story/w181g1x","timestamp":"2024-10-28 13:52:00","category":"DSH","description":"Director/PDMR Shareholding","id":"w181g1x","article":"\u0026lt;html\u0026gt;\n\u0026lt;head\u0026gt;\n \u0026lt;meta 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140%;padding: 20px;box-sizing: border-box;overflow-x: auto;min-height: 60px;text-align: left;margin-bottom: 10px;width: 837px;} .fr-view-element img{padding: 0 1px;} .fr-view-element .r{margin: 63.8pt 1.6cm 62.35pt 1.6cm;} .fr-view-element p{font-size: 10pt;}\n\n\n\n\n\u0026lt;/style\u0026gt;\n\u0026lt;title\u0026gt;\u0026lt;/title\u0026gt;\n\u0026lt;/head\u0026gt;\n\u0026lt;body\u0026gt;\u0026lt;img src=\"https://tracker.live.rns-distribution.com/track.live-rns/5406566_d9353a075fe0b610698e373da828b7e4.png\" width=\"1\" height=\"1\" /\u0026gt;\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;RNS Number : 9118J\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Hldgs PLC\u0026lt;/org\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;chron\u0026gt;28 October 2024\u0026lt;/chron\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"fr-view-element displayHScroll\"\u0026gt;\n\u0026lt;div class=\"r\"\u0026gt;\n\u0026lt;p class=\"bz\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;\u0026lt;span style=\"color: rgb(0, 0, 0);\"\u0026gt;\u0026amp;#8203;\u0026lt;/span\u0026gt;\u0026lt;chron\u0026gt;28 October 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"ca\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3 class=\"bt\"\u0026gt;\u0026lt;span class=\"cb\" style=\"color: rgb(0, 0, 0);\"\u0026gt;Director / PDMR Shareholding\u0026lt;/span\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p class=\"cc\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cd\"\u0026gt;\u0026lt;span class=\"br\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt; (the \"Company\"), a leading developer of mission-critical software for the asset finance industry, confirms the following transaction in the Company's ordinary shares.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cd\"\u0026gt;\u0026lt;span class=\"bp\"\u0026gt;The information in this notification is disclosed in accordance with the requirements of the EU Market Abuse Regulation.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;table class=\"ce\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bl\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;1\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"bk\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;Details of the person discharging managerial responsibilities / person closely associated\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;person\u0026gt;Christopher Sullivan\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;2\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"bf\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;Reason for the notification\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Position/status\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;Non-Executive Director\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Initial notification /Amendment\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;Initial Notification\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;3\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"bf\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;Details of the issuer, emission allowance market participant, auction platform, auctioneer or auction monitor\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;LEI\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"be\"\u0026gt;213800C5UOZHUTNUGA28\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;4\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"bf\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bo\"\u0026gt;Details of the transaction(s): section to be repeated for (i) each type of instrument; (ii) each type of transaction; (iii) each date; and (iv) each place where transactions have been conducted\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ba\"\u0026gt;\n\u0026lt;td style=\"width: 13;\" rowspan=\"4\" valign=\"top\" class=\"bd\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bc\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Description of the financial instrument, type of instrument\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bb\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Ordinary shares of \u0026lt;money\u0026gt;\u0026amp;#163;0.001\u0026lt;/money\u0026gt; each\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ax\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"az\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ay\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ba\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bc\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;Identification code\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bb\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"aw\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ax\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"av\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bp\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"au\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Nature of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bp\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bp\"\u0026gt;Share sale\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"an\"\u0026gt;\n\u0026lt;td style=\"width: 13;\" rowspan=\"5\" valign=\"top\" class=\"at\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;c)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"as\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Price(s) and volume(s)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"ap\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ao\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"an\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"as\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"am\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"al\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;Prices (\u0026amp;#163;)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"ak\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;Volume(s)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ao\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"an\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"as\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"am\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"al\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;2.0024\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"ak\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;66,332\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ao\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"an\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"as\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"am\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"al\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"ak\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ao\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"an\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"aj\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ai\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"ap\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ah\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 13;\" rowspan=\"6\" valign=\"top\" class=\"ag\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;d)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Aggregated information\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ae\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ae\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;- Aggregated volume\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ae\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;As above\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ae\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;- Price\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ae\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ad\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ac\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"ab\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;e)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Date of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026lt;chron\u0026gt;22 October 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 13;\" valign=\"top\" class=\"bi\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;f)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"e\"\u0026gt;\u0026lt;span class=\"bj\"\u0026gt;Place of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"cf\"\u0026gt;\u0026lt;span class=\"bp\"\u0026gt;XLON\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cg\"\u0026gt;\u0026lt;span class=\"z\"\u0026gt;For further information:\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;table class=\"ch\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 285;\" valign=\"top\" class=\"v\"\u0026gt;\n\u0026lt;p class=\"ci\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cj\"\u0026gt;\u0026lt;span class=\"x\"\u0026gt;\u0026lt;person\u0026gt;Charlotte Caulfield\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"ci\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;Company Secretary\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"ci\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 281;\" valign=\"top\" class=\"t\"\u0026gt;\n\u0026lt;p class=\"ck\" style=\"text-align:right;\"\u0026gt;\u0026lt;span class=\"bx\"\u0026gt;+44 (0)20 7588 1800\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"bn\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\n\n\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;This information is provided by RNS, the news service of the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt;. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;United Kingdom\u0026lt;/location\u0026gt;. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact \u0026lt;a href=\"mailto:rns@lseg.com\"\u0026gt;rns@lseg.com\u0026lt;/a\u0026gt; or visit \u0026lt;a href=\"http://www.rns.com/\"\u0026gt;www.rns.com\u0026lt;/a\u0026gt;.\u0026lt;br/\u0026gt;\u0026lt;br/\u0026gt;RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt; use the personal data you provide us, please see our \u0026lt;a href=\"https://www.lseg.com/privacy-and-cookie-policy\"\u0026gt;Privacy Policy\u0026lt;/a\u0026gt;.\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt; END\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;DSHXVLFLZBLEFBF\u0026lt;/body\u0026gt;\u0026lt;/html\u0026gt;\n\n\u0026lt;/body\u0026gt;\n\u0026lt;/html\u0026gt;","news_provider":"Regulatory News Service","news_provider_slug":"RNS"},{"title":"Person Closely Associated Notification","link":"https://polaris.brighterir.com/public/alfa_financial_soft/news/json_news/story/x23m8lr","timestamp":"2024-09-13 12:03:00","category":"DSH","description":"Director/PDMR Shareholding","id":"x23m8lr","article":"\u0026lt;html\u0026gt;\n\u0026lt;head\u0026gt;\n 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color:black}p.cv{margin-top:0cm;margin-right:0cm;margin-bottom:10.0pt;margin-left:0cm;line-height:115%;font-size:11.0pt;font-family:\"Calibri\",\"sans-serif\";margin-bottom:0cm;margin-bottom:.0001pt;text-align: justify;text-justify:inter-ideograph}span.ah{font-size:10.0pt; line-height:115%;font-family:\"Open Sans\",\"sans-serif\";color:black}td.ad{width:199.05pt;padding:0cm 5.4pt 0cm 5.4pt}p.cw{margin-top:0cm;margin-right:0cm;margin-bottom:10.0pt;margin-left:0cm;line-height:115%;font-size:11.0pt;font-family:\"Calibri\",\"sans-serif\";text-align:right}span.ab{font-size:10.0pt;line-height: 115%;font-family:\"Open Sans\",\"sans-serif\";color:black}span.aa{font-size:10.0pt; line-height:115%;font-family:\"Open Sans\",\"sans-serif\"} .fr-view-element{font-family: sans-serif;font-size: 12pt;line-height: 140%;padding: 20px;box-sizing: border-box;overflow-x: auto;min-height: 60px;text-align: left;margin-bottom: 10px;width: 837px;} .fr-view-element img{padding: 0 1px;} .fr-view-element .z{margin: 63.8pt 1.6cm 62.35pt 1.6cm;} .fr-view-element p{font-size: 10pt;}\n\n\n\n\n\u0026lt;/style\u0026gt;\n\u0026lt;/head\u0026gt;\n\u0026lt;body\u0026gt;\u0026lt;img src=\"https://tracker.live.rns-distribution.com/track.live-rns/5349032_d9353a075fe0b610698e373da828b7e4.png\" width=\"1\" height=\"1\" /\u0026gt;\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;RNS Number : 1712E\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Hldgs PLC\u0026lt;/org\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;chron\u0026gt;13 September 2024\u0026lt;/chron\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"fr-view-element\"\u0026gt;\n\u0026lt;div class=\"z\"\u0026gt;\n\u0026lt;p class=\"ck\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;chron\u0026gt;13 September 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cl\" style=\"text-align:center;\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"cg\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;h3 class=\"cd\"\u0026gt;\u0026lt;span class=\"cm\"\u0026gt;Person Closely Associated Notification\u0026lt;/span\u0026gt;\u0026lt;/h3\u0026gt;\n\u0026lt;p class=\"cn\"\u0026gt;\u0026lt;span class=\"cc\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"co\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt; (the \"Company\"), a leading developer of mission-critical software for the asset finance industry, confirms the following transaction in the Company's ordinary shares.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"co\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;The information in this notification is disclosed in accordance with the requirements of the EU Market Abuse Regulation.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;table class=\"cp\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bx\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;1\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"bw\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;Details of the person discharging managerial responsibilities / person closely associated\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;person\u0026gt;Polly White\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;2\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"br\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Reason for the notification\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Position/status\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;PCA of \u0026lt;person\u0026gt;Matthew White\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Initial notification /Amendment\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;Initial Notification\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;3\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"br\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;Details of the issuer, emission allowance market participant, auction platform, auctioneer or auction monitor\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;LEI\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"bq\"\u0026gt;213800C5UOZHUTNUGA28\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;4\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 543;\" colspan=\"5\" valign=\"top\" class=\"br\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"bz\"\u0026gt;Details of the transaction(s): section to be repeated for (i) each type of instrument; (ii) each type of transaction; (iii) each date; and (iv) each place where transactions have been conducted\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"bm\"\u0026gt;\n\u0026lt;td style=\"width: 14;\" rowspan=\"4\" valign=\"top\" class=\"bp\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;a)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bo\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Description of the financial instrument, type of instrument\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bn\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Alfa Financial Software Holdings PLC Ordinary share of \u0026lt;money\u0026gt;\u0026amp;#163;0.001\u0026lt;/money\u0026gt; each\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"bj\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bl\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bk\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"bm\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bo\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;Identification code\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bn\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bi\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"bj\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bh\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bg\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;b)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Nature of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;Share sale by \u0026lt;person\u0026gt;Polly White\u0026lt;/person\u0026gt;, PCA of \u0026lt;person\u0026gt;Matthew White\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"az\"\u0026gt;\n\u0026lt;td style=\"width: 14;\" rowspan=\"4\" valign=\"top\" class=\"bf\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;c)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"be\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Price(s) and volume(s)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"bd\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"bc\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"bb\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ba\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"az\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"be\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ay\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"ax\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;Prices (\u0026amp;#163;)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"aw\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;Volume(s)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ba\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"az\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"be\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ay\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"ax\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;2.12\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"aw\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;828,551\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"ba\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"az\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"av\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"au\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 141;\" valign=\"top\" class=\"bc\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 142;\" valign=\"top\" class=\"bb\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 6;\" valign=\"top\" class=\"at\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 14;\" rowspan=\"6\" valign=\"top\" class=\"as\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;d)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Aggregated information\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;- Aggregated volume\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;828,551\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ar\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;- Price\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"aq\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;2.12\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr class=\"ap\"\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"ao\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"an\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;e)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Date of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026lt;chron\u0026gt;12 September 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 14;\" valign=\"top\" class=\"bu\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;f)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cq\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 191;\" valign=\"top\" class=\"bt\"\u0026gt;\n\u0026lt;p class=\"i\"\u0026gt;\u0026lt;span class=\"bv\"\u0026gt;Place of the transaction\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 338;\" colspan=\"4\" valign=\"top\" class=\"bs\"\u0026gt;\n\u0026lt;p class=\"cr\"\u0026gt;\u0026lt;span class=\"ce\"\u0026gt;XLON\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cs\"\u0026gt;\u0026lt;span class=\"ci\"\u0026gt;For further information:\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;table class=\"ct\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 285;\" valign=\"top\" class=\"af\"\u0026gt;\n\u0026lt;p class=\"cu\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Holdings PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cv\"\u0026gt;\u0026lt;span class=\"ah\"\u0026gt;\u0026lt;person\u0026gt;Charlotte Caulfield\u0026lt;/person\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cu\"\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;Company Secretary\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"cu\"\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 265;\" valign=\"top\" class=\"ad\"\u0026gt;\n\u0026lt;p class=\"cw\" style=\"text-align:right;\"\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;+44 (0)20 7588 1800\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ab\"\u0026gt;Notes to Editors\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"ab\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;Alfa has been delivering leading-edge technology to the global asset finance and leasing industry since 1990. Our specialised expertise enables us to deliver the most challenging systems transformation projects successfully.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;Alfa Systems, our class-leading SaaS platform, is at the heart of the world's largest and most progressive asset finance operations. Supporting all types of automotive, equipment and wholesale finance, Alfa Systems is proven at volume and across borders, and trusted by leading brands to manage complex portfolios, drive efficiency and sustainability, and enhance the customer experience.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;With full functionality for originations, servicing and collections, Alfa Systems is live in 37 countries, representing an integrated point solution, a rapid off-the-shelf implementation, or an end-to-end platform for the complex global enterprise. Alfa Systems 6, a breakthrough iteration of our software platform, launched in 2024.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;Alfa maintains exceptional customer satisfaction through an impeccable track record, with our experience and performance unrivalled in the industry. Our customers stick with us for the long term, because we deliver value that lasts for decades.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;Alfa has offices in \u0026lt;location value=\"LR/eur\" idsrc=\"xmltag.org\" \u0026gt;Europe\u0026lt;/location\u0026gt;, \u0026lt;location value=\"LR/anz\" idsrc=\"xmltag.org\" \u0026gt;Australasia\u0026lt;/location\u0026gt; and the \u0026lt;location value=\"LR/am\" idsrc=\"xmltag.org\" \u0026gt;Americas\u0026lt;/location\u0026gt;. For more information, visit us at\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;span\u0026gt;\u0026lt;span class=\"aa\"\u0026gt;\u0026lt;a href=\"http://www.alfasystems.com/\"\u0026gt;www.alfasystems.com\u0026lt;/a\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;span class=\"ai\"\u0026gt;\u0026amp;#160;or on LinkedIn.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"ak\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\n\n\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;This information is provided by RNS, the news service of the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt;. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;United Kingdom\u0026lt;/location\u0026gt;. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact \u0026lt;a href=\"mailto:rns@lseg.com\"\u0026gt;rns@lseg.com\u0026lt;/a\u0026gt; or visit \u0026lt;a href=\"http://www.rns.com/\"\u0026gt;www.rns.com\u0026lt;/a\u0026gt;.\u0026lt;br/\u0026gt;\u0026lt;br/\u0026gt;RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt; use the personal data you provide us, please see our \u0026lt;a href=\"https://www.lseg.com/privacy-and-cookie-policy\"\u0026gt;Privacy Policy\u0026lt;/a\u0026gt;.\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt; END\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;DSHGZGMLMFGGDZM\u0026lt;/body\u0026gt;\u0026lt;/html\u0026gt;\n\n\u0026lt;/body\u0026gt;\n\u0026lt;/html\u0026gt;","news_provider":"Regulatory News Service","news_provider_slug":"RNS"},{"title":"Holding(s) in Company","link":"https://polaris.brighterir.com/public/alfa_financial_soft/news/json_news/story/xpd6djx","timestamp":"2024-09-10 09:30:00","category":"HOL","description":"Holding(s) in Company","id":"xpd6djx","article":"\u0026lt;html\u0026gt;\n\u0026lt;head\u0026gt;\n \u0026lt;meta http-equiv=\"content-type\" content=\"text/html; 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font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;RNS Number : 5747D\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Hldgs PLC\u0026lt;/org\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;chron\u0026gt;10 September 2024\u0026lt;/chron\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"fr-view-element\"\u0026gt;\n\u0026lt;div class=\"ax\"\u0026gt;\n\u0026lt;p style=\"text-align:center;\" class=\"au\"\u0026gt;\u0026lt;span class=\"av\"\u0026gt;TR-1: Standard form for notification of major holdings\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;1. Issuer Details\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;ISIN\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Issuer \u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;ALFA FINANCIAL SOFTWARE HOLDINGS PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt; or Non-\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt; Issuer\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;2. Reason for Notification\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;An acquisition or disposal of voting rights; An acquisition or disposal of financial instruments\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;3. Details of person subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;BlackRock, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;City of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;Wilmington\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Country of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location value=\"LC/us\" idsrc=\"xmltag.org\" \u0026gt;USA\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;4. Details of the shareholder\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Full name of shareholder(s) if different from the person(s) subject to the notification obligation, above\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;City of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Country of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;5. Date on which the threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;chron\u0026gt;06-Sep-2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;6. Date on which Issuer notified\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;chron\u0026gt;09-Sep-2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;7. Total positions of person(s) subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"az\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ak\"\u0026gt;\n\u0026lt;p class=\"ba\" style=\"text-align:center;\"\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ai\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights attached to shares (total of 8.A)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights through financial instruments (total of 8.B 1 + 8.B 2)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total of both in % (8.A + 8.B)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total number of voting rights held in issuer\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ae\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Resulting situation on the date on which threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.190000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.380000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.570000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;16484407\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ac\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Position of previous notification (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.070000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.330000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.400000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8. Notified details of the resulting situation on the date on which the threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8A. Voting rights attached to shares\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Class/Type of shares ISIN code(if possible)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of direct voting rights (DTR5.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of indirect voting rights (DTR5.2.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of direct voting rights (DTR5.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of indirect voting rights (DTR5.2.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bd\"\u0026gt;\u0026lt;span class=\"y\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bd\"\u0026gt;\u0026lt;span class=\"y\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;15345728\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.190000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.A\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;15345728\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.190000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8B1. Financial Instruments according to (DTR5.3.1R.(1) (a))\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Type of financial instrument\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"r\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Expiration date\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"q\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Exercise/conversion period\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"r\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of voting rights that may be acquired if the instrument is exercised/converted\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 17%;\" class=\"p\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Securities Lending\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"n\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"l\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"n\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;12722\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 17%;\" class=\"k\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.000000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.B1\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"ad\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;12722\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.000000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8B2. Financial Instruments with similar economic effect according to (DTR5.3.1R.(1) (b))\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 15%;\" class=\"j\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Type of financial instrument\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Expiration date\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"q\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Exercise/conversion period\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Physical or cash settlement\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 15%;\" class=\"i\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;CFD\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Cash\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;1125957\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.380000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.B2\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"3\" class=\"ad\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;1125957\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.380000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;9. Information in relation to the person subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;2. Full chain of controlled undertakings through which the voting rights and/or the financial instruments are effectively held starting with the ultimate controlling natural person or legal entities (please add additional rows as necessary)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Ultimate controlling person\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt; of controlled undertaking\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights through financial instruments if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total of both if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0703927785\" idsrc=\"xmltag.org\" \u0026gt;BlackRock International Holdings, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0164448593\" idsrc=\"xmltag.org\" \u0026gt;BR Jersey International Holdings L.P.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 3, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Cayman 1 LP\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay Finco Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay IV Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1248724581\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Group Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1773037564\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Finance Europe Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2663136924\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Investment Management (UK) Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;4.620000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.380000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.000000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 4, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 6, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Delaware Holdings Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Institutional Trust Company\u0026lt;/org\u0026gt;, National Association\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 4, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 6, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Delaware Holdings Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2795777027\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Fund Advisors\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0703927785\" idsrc=\"xmltag.org\" \u0026gt;BlackRock International Holdings, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0164448593\" idsrc=\"xmltag.org\" \u0026gt;BR Jersey International Holdings L.P.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 3, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Cayman 1 LP\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay Finco Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay IV Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1248724581\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Group Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1773037564\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Finance Europe Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2340840106\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Advisors (UK) Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;10. In case of proxy voting\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt; of the proxy holder\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;The number and % of voting rights held\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;The date until which the voting rights will be held\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;11. Additional Information\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;BlackRock Regulatory Threshold Reporting Team\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\n\u0026lt;person\u0026gt;Jana Blumenstein\u0026lt;/person\u0026gt;\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\n020 7743 3650\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;12. Date of Completion\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;9\u0026lt;sup\u0026gt;th\u0026lt;/sup\u0026gt; \u0026lt;chron\u0026gt;September 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;13. Place Of Completion\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location\u0026gt;12 Throgmorton Avenue\u0026lt;/location\u0026gt;, \u0026lt;location value=\"LU/gb.eng.london\" idsrc=\"xmltag.org\" \u0026gt;London\u0026lt;/location\u0026gt;, EC2N 2DL, \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;U.K.\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\n\n\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;This information is provided by RNS, the news service of the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt;. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;United Kingdom\u0026lt;/location\u0026gt;. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact \u0026lt;a href=\"mailto:rns@lseg.com\"\u0026gt;rns@lseg.com\u0026lt;/a\u0026gt; or visit \u0026lt;a href=\"http://www.rns.com/\"\u0026gt;www.rns.com\u0026lt;/a\u0026gt;.\u0026lt;br/\u0026gt;\u0026lt;br/\u0026gt;RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt; use the personal data you provide us, please see our \u0026lt;a href=\"https://www.lseg.com/privacy-and-cookie-policy\"\u0026gt;Privacy Policy\u0026lt;/a\u0026gt;.\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt; END\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;HOLLMMPTMTTBMPI\u0026lt;/body\u0026gt;\u0026lt;/html\u0026gt;\n\n\u0026lt;/body\u0026gt;\n\u0026lt;/html\u0026gt;","news_provider":"Regulatory News Service","news_provider_slug":"RNS"},{"title":"Holding(s) in Company","link":"https://polaris.brighterir.com/public/alfa_financial_soft/news/json_news/story/x5kp2px","timestamp":"2024-09-09 10:31:00","category":"HOL","description":"Holding(s) in Company","id":"x5kp2px","article":"\u0026lt;html\u0026gt;\n\u0026lt;head\u0026gt;\n \u0026lt;meta http-equiv=\"content-type\" content=\"text/html; 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border-bottom:solid #666666 1.0pt;border-right:solid #666666 1.0pt; padding:.75pt .75pt .75pt .75pt}td.l{width:20.0%;border-top:none;border-left:none; border-bottom:solid #666666 1.0pt;border-right:solid #666666 1.0pt; padding:.75pt .75pt .75pt .75pt}span.m{font-size:10.0pt}\ntd.k{width:17.0%;border-top:none;border-left:none; border-bottom:solid #666666 1.0pt;border-right:solid #666666 1.0pt; padding:.75pt .75pt .75pt .75pt}td.j{width:15.0%;border:solid #666666 1.0pt;padding:.75pt .75pt .75pt 1.5pt}td.i{width:15.0%;border:solid #666666 1.0pt;border-top: none;padding:.75pt .75pt .75pt .75pt} .fr-view-element{font-family: sans-serif;font-size: 12pt;line-height: 140%;padding: 20px;box-sizing: border-box;overflow-x: auto;min-height: 60px;text-align: left;margin-bottom: 10px;width: 837px;} .fr-view-element img{padding: 0 1px;} .fr-view-element .WordSection1_tidyNotWord-41{margin: 63.8pt 1.6cm 62.35pt 1.6cm;} .fr-view-element p{font-size: 10pt;}\n\n\n\n\n\u0026lt;/style\u0026gt;\n\u0026lt;/head\u0026gt;\n\u0026lt;body\u0026gt;\u0026lt;img src=\"https://tracker.live.rns-distribution.com/track.live-rns/5340978_d9353a075fe0b610698e373da828b7e4.png\" width=\"1\" height=\"1\" /\u0026gt;\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;RNS Number : 4234D\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;Alfa Financial Software Hldgs PLC\u0026lt;/org\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026lt;chron\u0026gt;09 September 2024\u0026lt;/chron\u0026gt;\u0026lt;/div\u0026gt; \u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"fr-view-element\"\u0026gt;\n\u0026lt;div class=\"ax\"\u0026gt;\n\u0026lt;p style=\"text-align:center;\" class=\"au\"\u0026gt;\u0026lt;span class=\"av\"\u0026gt;TR-1: Standard form for notification of major holdings\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;1. Issuer Details\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;ISIN\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Issuer \u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;org value=\"LSE:ALFA\" idsrc=\"xmltag.org\" \u0026gt;ALFA FINANCIAL SOFTWARE HOLDINGS PLC\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt; or Non-\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt; Issuer\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;UK\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;2. Reason for Notification\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;An acquisition or disposal of voting rights\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;3. Details of person subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;BlackRock, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;City of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;Wilmington\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Country of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location value=\"LC/us\" idsrc=\"xmltag.org\" \u0026gt;USA\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;4. Details of the shareholder\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Full name of shareholder(s) if different from the person(s) subject to the notification obligation, above\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;City of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"an\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;Country of registered office (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;5. Date on which the threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;chron\u0026gt;05-Sep-2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;6. Date on which Issuer notified\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;chron\u0026gt;06-Sep-2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;7. Total positions of person(s) subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"az\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ak\"\u0026gt;\n\u0026lt;p class=\"ba\" style=\"text-align:center;\"\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ai\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights attached to shares (total of 8.A)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights through financial instruments (total of 8.B 1 + 8.B 2)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total of both in % (8.A + 8.B)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ah\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total number of voting rights held in issuer\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ae\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Resulting situation on the date on which threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.070000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.330000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.400000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;15987319\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"ac\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Position of previous notification (if applicable)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;4.990000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.300000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.290000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8. Notified details of the resulting situation on the date on which the threshold was crossed or reached\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8A. Voting rights attached to shares\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Class/Type of shares ISIN code(if possible)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of direct voting rights (DTR5.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of indirect voting rights (DTR5.2.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of direct voting rights (DTR5.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of indirect voting rights (DTR5.2.1)\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bd\"\u0026gt;\u0026lt;span class=\"y\"\u0026gt;GB00BDHXPG30\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bd\"\u0026gt;\u0026lt;span class=\"y\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;14985970\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.070000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.A\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;14985970\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;5.070000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8B1. Financial Instruments according to (DTR5.3.1R.(1) (a))\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Type of financial instrument\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"r\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Expiration date\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"q\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Exercise/conversion period\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"r\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of voting rights that may be acquired if the instrument is exercised/converted\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 17%;\" class=\"p\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Securities Lending\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"n\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"l\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 16%;\" class=\"n\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;12719\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 17%;\" class=\"k\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.000000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.B1\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"2\" class=\"ad\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;12719\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.000000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;8B2. Financial Instruments with similar economic effect according to (DTR5.3.1R.(1) (b))\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 15%;\" class=\"j\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Type of financial instrument\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Expiration date\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"q\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Exercise/conversion period\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Physical or cash settlement\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Number of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 15%;\" class=\"i\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;CFD\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;Cash\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;988630\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.330000\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td class=\"u\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;Sub Total 8.B2\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td colspan=\"3\" class=\"ad\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"v\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;988630\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"t\"\u0026gt;\n\u0026lt;p class=\"be\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;0.330000%\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;9. Information in relation to the person subject to the notification obligation\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"am\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;2. Full chain of controlled undertakings through which the voting rights and/or the financial instruments are effectively held starting with the ultimate controlling natural person or legal entities (please add additional rows as necessary)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;table style=\"width: 542;\" class=\"bc\" cellspacing=\"0\" cellpadding=\"0\"\u0026gt;\n\u0026lt;tbody\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"aa\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Ultimate controlling person\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt; of controlled undertaking\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;% of voting rights through financial instruments if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"z\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aj\"\u0026gt;Total of both if it equals or is higher than the notifiable threshold\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0703927785\" idsrc=\"xmltag.org\" \u0026gt;BlackRock International Holdings, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0164448593\" idsrc=\"xmltag.org\" \u0026gt;BR Jersey International Holdings L.P.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 3, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Cayman 1 LP\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay Finco Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay IV Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1248724581\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Group Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1773037564\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Finance Europe Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 1)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2663136924\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Investment Management (UK) Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 4, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 6, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Delaware Holdings Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 2)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Institutional Trust Company\u0026lt;/org\u0026gt;, National Association\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 4, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 6, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Delaware Holdings Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 3)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2795777027\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Fund Advisors\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 2, Inc.\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:4001288025\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Financial Management, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0703927785\" idsrc=\"xmltag.org\" \u0026gt;BlackRock International Holdings, Inc.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:0164448593\" idsrc=\"xmltag.org\" \u0026gt;BR Jersey International Holdings L.P.\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Holdco 3, LLC\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock Cayman 1 LP\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay Finco Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org\u0026gt;BlackRock Cayman West Bay IV Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1248724581\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Group Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:1773037564\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Finance Europe Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;tr\u0026gt;\n\u0026lt;td style=\"width: 20%;\" class=\"w\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;BlackRock, Inc. (Chain 4)\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;org value=\"ACORN:2340840106\" idsrc=\"xmltag.org\" \u0026gt;BlackRock Advisors (UK) Limited\u0026lt;/org\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"ag\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;td class=\"ad\"\u0026gt;\n\u0026lt;p class=\"bb\"\u0026gt;\u0026lt;span class=\"m\"\u0026gt;\u0026lt;br /\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/td\u0026gt;\n\u0026lt;/tr\u0026gt;\n\u0026lt;/tbody\u0026gt;\n\u0026lt;/table\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;10. In case of proxy voting\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;\u0026lt;org\u0026gt;Name\u0026lt;/org\u0026gt; of the proxy holder\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;The number and % of voting rights held\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ap\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"aq\"\u0026gt;The date until which the voting rights will be held\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026amp;#160;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;11. Additional Information\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;BlackRock Regulatory Threshold Reporting Team\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\n\u0026lt;person\u0026gt;Jana Blumenstein\u0026lt;/person\u0026gt;\u0026lt;br /\u0026gt;\n\u0026lt;br /\u0026gt;\n020 7743 3650\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;12. Date of Completion\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;6\u0026lt;sup\u0026gt;th\u0026lt;/sup\u0026gt; \u0026lt;chron\u0026gt;September 2024\u0026lt;/chron\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ar\"\u0026gt;\n\u0026lt;p class=\"ay\"\u0026gt;\u0026lt;span style=\"font-weight: bold;\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;13. Place Of Completion\u0026lt;/span\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;div class=\"ao\"\u0026gt;\n\u0026lt;p class=\"a\"\u0026gt;\u0026lt;span class=\"at\"\u0026gt;\u0026lt;location\u0026gt;12 Throgmorton Avenue\u0026lt;/location\u0026gt;, \u0026lt;location value=\"LU/gb.eng.london\" idsrc=\"xmltag.org\" \u0026gt;London\u0026lt;/location\u0026gt;, EC2N 2DL, \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;U.K.\u0026lt;/location\u0026gt;\u0026lt;/span\u0026gt;\u0026lt;/p\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\u0026lt;/div\u0026gt;\n\n\n\u0026lt;div style=\"text-align:left;font-family:Arial, Helvetica, sans-serif; font-size: 10pt;\"\u0026gt;\u0026lt;div\u0026gt;This information is provided by RNS, the news service of the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt;. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the \u0026lt;location value=\"LC/gb\" idsrc=\"xmltag.org\" \u0026gt;United Kingdom\u0026lt;/location\u0026gt;. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact \u0026lt;a href=\"mailto:rns@lseg.com\"\u0026gt;rns@lseg.com\u0026lt;/a\u0026gt; or visit \u0026lt;a href=\"http://www.rns.com/\"\u0026gt;www.rns.com\u0026lt;/a\u0026gt;.\u0026lt;br/\u0026gt;\u0026lt;br/\u0026gt;RNS may use your IP address to confirm compliance with the terms and conditions, to analyse how you engage with the information contained in this communication, and to share such analysis on an anonymised basis with others as part of our commercial services. For further information about how RNS and the \u0026lt;org\u0026gt;London Stock Exchange\u0026lt;/org\u0026gt; use the personal data you provide us, please see our \u0026lt;a href=\"https://www.lseg.com/privacy-and-cookie-policy\"\u0026gt;Privacy Policy\u0026lt;/a\u0026gt;.\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt; END\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;\u0026lt;div\u0026gt;\u0026amp;#160;\u0026lt;/div\u0026gt;HOLLLMLTMTTMMLI\u0026lt;/body\u0026gt;\u0026lt;/html\u0026gt;\n\n\u0026lt;/body\u0026gt;\n\u0026lt;/html\u0026gt;","news_provider":"Regulatory News Service","news_provider_slug":"RNS"}]},"footer":{"id":"Y1q7CxEAACEABee4","uid":"footer","url":null,"type":"footer","href":"https://alfa-website-2022.cdn.prismic.io/api/v2/documents/search?ref=Zz4i-RAAACMA0yxc\u0026q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Y1q7CxEAACEABee4%22%29+%5D%5D","tags":[],"first_publication_date":"2022-10-27T17:14:05+0000","last_publication_date":"2024-11-19T17:36:29+0000","slugs":["footer"],"linked_documents":[],"lang":"en-ap","alternate_languages":[{"id":"Y1q3rREAACEABdYd","type":"footer","lang":"en-us","uid":"footer"},{"id":"YwVZRhAAACIAmXs_","type":"footer","lang":"en-eu","uid":"footer"}],"data":{"sign_up_title":"Stay up to date.","sign_up_title_investors":null,"sign_up_description":"Sign up and we’ll be in touch with more information about Alfa and Alfa Systems.","sign_up_description_investors":null,"button_label":"Sign 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2325","quick_links":[{"link":{"id":"Y1q7sxEAACEABerj","type":"page","tags":[],"lang":"en-ap","slug":"alfa-systems-6","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-10-01T18:23:27+0000","uid":"product","url":"/en-ap/product","link_type":"Document","isBroken":false},"link_label":"Product"},{"link":{"id":"Y1q7rREAAN14BerD","type":"page","tags":[],"lang":"en-ap","slug":"completing-complex-projects-all-over-the-globe-since-1990","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-05-03T10:33:32+0000","uid":"about","url":"/en-ap/about","link_type":"Document","isBroken":false},"link_label":"About Us"},{"link":{"id":"Y1q7yBEAAN14Beto","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-02-09T10:27:58+0000","uid":"news-and-insights","url":"/en-ap/news-and-insights","link_type":"Document","isBroken":false},"link_label":"News and Insights"},{"link":{"id":"Y1q7qxEAACMABeq0","type":"page","tags":[],"lang":"en-ap","slug":"weve-got-the-tech.weve-got-the-opportunities.all-were-missing-is-you.","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-06-21T10:09:47+0000","uid":"careers","url":"/en-ap/careers","link_type":"Document","isBroken":false},"link_label":"Careers"}],"legal_links":[{"link":{"id":"Y1q7yhEAAF5wBet9","type":"page","tags":[],"lang":"en-ap","slug":"-","first_publication_date":"2022-10-27T17:15:00+0000","last_publication_date":"2024-02-07T18:31:17+0000","uid":"trademark-notice","url":"/en-ap/trademark-notice","link_type":"Document","isBroken":false},"link_label":"Trademark 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