A fintech solution that ignites true business optimization capabilities and serious value -creation in banks
AQOPTIMIZER is a unique enterprise banking optimization platform developed in close collaboration with - and proven by - leading progressive banks in the Nordics. It dramatically improves the bank’s capabilities for strategic execution, frontline optimization and universal efficiency.
Many banks struggle with siloed, inconsistent, and difficult-to-access data, which prevents them from forming a complete, accurate, and timely view of customer and product profitability across the organization.
Banks often underutilize the significant growth potential hidden within their internal data and AI opportunities, missing out on new insights, better predictions, and more effective business optimization.
Frontline staff frequently lack practical, real-time pricing and optimization support, making it difficult for them to negotiate effectively, respond to changing market conditions, or ensure customer decisions align with the bank’s strategy.
Pricing and approval workflows are typically fragmented, slow, and manually driven, leading to inconsistent outcomes, operational bottlenecks, and unnecessary risk exposure across customer segments and products.
Legacy banking systems are often inflexible, difficult to update, and poorly suited for modern analytics, which restricts a bank’s ability to run business scenarios, model risk -return impacts, or adapt to new regulatory or competitive requirements.
Many banks rely on disconnected systems that hinder data integration, automation, and scalable analytics.
Many banks lack clearly defined, riskaligned appetite and return targets that are consistently applied across the business, making it challenging to steer portfolios toward sustainable profitability and balanced growth.
Inefficient allocation of resources and costs - driven by weak transparency, limited analytics, and outdated processes - reduces profitability, slows execution, and prevents banks from directing efforts where they create the most value.
ENVIRONMENT
Corporate strategy
Regulation RoE requirements
Risk Limits
INCOME
Interest (loans,..)
Other earnings
Liq. yield
General Fees
Funding
Capital COSTS
Expected loss
Interest
Credit ratings
CAPITAL REQ. Collateral
Exposure levels
AQOPTIMIZER delivers fully risk -based and individualized pricing that incorporates credit risk, capital requirements, funding costs, and operational expenses, ensuring every offer meets the bank’s return and riskappetite thresholds.
By embedding these quantitative risk and profitability metrics directly into the pricing engine, AQRISK empowers frontline teams to negotiate confidently, stay within strategic boundaries, and consistently achieve risk -adjusted profitability targets.
The platform provides holistic profitability insights at customer, product, and portfolio levels, replacing fragmented systems with one unified analytics engine that reveals true value drivers across the entire business.
With granular attribution of costs, capital usage, and income dynamics, It helps banks identify their most profitable segments, eliminate unproductive exposures, and prioritize growth where it generates the strongest returns.
Real-time pricing capabilities let the frontline instantly model different deal options, compare profitability outcomes, and see full economics in secondsdramatically improving response times and customer engagement.
Integrated price-approval workflows streamline the frontline’s daily tasks by automating governance, enforcing pricing rules, and removing manual handovers, allowing them to close deals faster with greater accuracy.
AQRISK’s simulation and stress -testing tools help both management and frontline teams understand how changes in risk grades, interest rates, or customer behaviors impact deal economics, supporting more informed and forwardlooking conversations.
Automated reporting ensures frontline users receive clear, consistent insights without relying on back-office teams, giving them the transparency and confidence needed to make better, faster customer decisions.
Corporate / Business
Retail / Privates
rates ”ENTERPRISE”
AQOPTIMIZER can start in a CORE version that gives management and specialists a clear, data -driven view of profitability and opportunities. It can easily be expanded to an ENTERPRISE version that gives the frontline real -time pricing and profitability insights, enabling faster decisions and stronger commercial results.
AQOPTIMIZER powers 14 banks across the Nordics and has more than 4,500 daily users. We are proud of the fact that our customer -base includes both large, regional and smaller banks - it shows the broad appeal our platform has.
The many new customer and our high -growth is a testament that we provide something unique and highly value-creating to the market.
EXPERIENCED ROI RANGES
> 20 -50 bps net interest margin improvement
> 12-25% uplift in cross -sell revenue
> 7 -16% increase in efficiency gains
> 5 -10% reduction in credit loss
BUSINESS BENEFITS
Deep new business insights
Optimized decision -making at scale
Strengthen revenue and profitability
Reduction in credit loss
Resource optimization
More business from customer potentials
Low churn and high net promotor score
Full documentation of customer pricing
Stronger standing with the FSA
AQRISK Banking Solutions
> Kompagnistræde 10, Copenhagen - DK
> Platz der Einheit 2, Frankfurt - DE www.aqrisk.com
4-8 months
Schedule demo > er@aqrisk.com > +45 31328848 Contact