Realise all of your process, product and compliance requirements.

Unify, connect and adapt - in one versatile platform.

An unbeaten track record of project delivery, using the best people in the business.

#1 Derisking Your Systems Replacement Project through Phased Implementation

#2 Agility in Data Migration: Onboarding Portfolios Efficiently and Effectively

#3 Integration - Leveraging the Power of an Open Platform

Various individuals from Alfa draw on their talent and experience to discuss how you can work in an agile fashion to deliver quick and often.

Part 1: Balancing Risk and Reward

Part 2: Using Machine Learning in the Wild

Part 3: Moving Forward with Machine Learning

Ahead of the formation of Alfa iQ, the intelligence platform for asset finance, Alfa shared its research and opinion on AI and machine learning in the industry.

Part 1: Exploring digitalisation in the asset finance industry

Part 2: Realising your digital journey

Competitive pressures and changing customer expectations are compelling companies in the sector to take on the digitalisation challenge. The move to digitalisation is challenging, and presents critical issues - but the rewards are significant.

Towards energy resilience: closing the efficiency gap

LIBOR Reform: The Impact for Auto and Equipment Finance Providers

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Alfa Financial Software Holdings PLC

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Supporting all types of auto, equipment and wholesale finance business, Alfa Systems uses leading-edge digital technologies to deliver proven functionality and performance.

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.

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By Industry

We help bring your business together, or transform it completely.

With our combined project and delivery experience of over 30 years, you're in safe hands with Alfa.

Professional Services | Alfa

Alfa offers further professional services in the form of business process consultancy, technical architecture, application ownership consultancy, UI design, project management and training consultancy.

Our asset finance solutions are designed with scalability and agility at the forefront, ensuring that our customers can not only react the quickest in a changing market, but also lead the market through innovation. Our professional services ensure that our customers are in the best position to capitalise on the advantages offered by Alfa Systems.

Having a solid, trusted relationship is of utmost importance to us, and the service provided by Alfa has been outstanding. Proactive in their approach, they have been exceptionally supportive to the team. We have always found the business easy to deal with, knowledgeable and reliable, and we look forward to working with Alfa going forwards.

Professional Services

Learn about our extensible platform that enables you to integrate your point solutions with Alfa Systems.

Extensible Platform | Alfa

Alfa Systems has been designed to enable our customers to extend and embed functionality throughout their asset finance systems landscapes, using industry-standard technologies and approaches.

To facilitate real-time data flow, customers are able to integrate Alfa Systems seamlessly with both leading-edge and legacy systems.

In the increasingly digitalised industry of asset finance, a robust solution API is a critical requirement. Alfa Systems' broad, highly granular API catalogue allows full control of the contract lifecycle. Associated processes can be controlled, and driven by, external systems; thus exposed in multiple technologies and providing power in the form you need it most.

Alfa seeks to design APIs, and Alfa Systems functionality used by APIs, such that logic is implemented through configuration wherever possible; for example, in features such as frame agreements, custom facts and workflow webhooks. This allows our customers to maintain their integrations’ behaviour without engaging a development team.

"Alfa Systems gives us key API capabilities that weren’t available in our legacy core banking platform, enabling us to launch a wider range of new products to the market, improve speed and efficiency, and offer a significantly improved service to our brokers and their customers."


Alfa Systems provides the tools and processes to enable the delivery of digital strategies which leverage the power of our customers’ systems, exposing and orchestrating various system APIs. Our customers customise their integrations in a way that best represents their business processes, providing simpler, dedicated endpoints that can be amended as their processes and requirements change.

More access, immediacy and control for consumers

Custom-built digital apps and self-serve solutions

Simplified API combining data and function from multiple systems

Custom endpoints over Alfa Systems' extensive API and others

Orchestrated system APIs across business processes

The Alfa Systems solution is a Java-based, strongly typed, object-oriented programming environment that allows developers to produce integration flows easily, including flow visualisations. It is built on best-of-breed open-source tools, providing a production-proven, flexible toolbox for building integration components.

"We now operate a far more integrated and robust solution, and with Alfa’s support we have been able to seamlessly integrate our end-to-end business processes. Our entire operational arm is now able to work more cohesively using integrated customer case management and highly configurable workflow, ultimately enabling PEAC to better service its customer and partner base.”


Alfa consultants have a wealth of experience in enterprise integration patterns, cross-system architecture and the leasing industry in general, and this allows us to collaborate with our customers on overall solution architecture, integration design, and the development of integration flows, incrementally instantiating customer ownership of integration flow configuration.

Zoot Solutions

Experian

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Tomorrow's Journey

Jumio

Vertex

As the drive for integration of products and services continues, Alfa is always looking to engage with other solutions providers to enhance our product’s functional reach. If you believe that your equipment or automotive finance solution could integrate with Alfa as part of an enterprise implementation, we’d love to hear from you.

The Alfa Systems solution has been successfully integrated with hundreds of different products in diverse areas. Recent examples include:

Extensible Platform

Manage every aspect of the collections and recovery process in Alfa Systems.

Collections and Recovery | Alfa

Alfa Systems manages the entire collections and recovery process. Automated arrears and delinquency functionality enables quick and effective management of your operations, while rules-driven workflow accelerates income and reduces bad debt.

Alfa Systems’ collections functionality supports every stage of the collections and recovery process and is fully configurable to your business practices, with arrears matrices and associated workflow made bespoke to your business needs.

Business rules drive the creation of workflow cases triggered by events such as underpayment or overpayment, allowing customers to begin arrears processing without the need for report-driven manual case creation.

Subsequently, Alfa Systems automates omnichannel customer communications and management of the arrears until resolution, including repayment and promise-to-pay plans, and breakage tracking. This automated process is designed specifically to your requirements, and can be tailored to function differently for particular product types, payment methods, arrears periods, and more. Read more in Process Automation.

"Alfa’s comprehensive documentation was highly valuable, especially around workflow and collections - which was thrust into the spotlight by Covid.”

Detailed delinquency information is logged in Alfa Systems and can be viewed at the contract level or an aggregate customer level, making it quick and simple to respond to credit bureau queries or disputes.

Alfa Systems supports a number of configurable, automated features to help you manage the accounting impact of delinquency, including bad debt provisioning and non-accruals processing.

"Alfa Systems’ collections features allow us to get paid more quickly, minimise bad debt, and improve our overall cash forecasting."

Repossessions and recovery are handled through dedicated workflow, utilising a wide range of Alfa Systems' functionality to ensure returns are maximised whilst adhering to regulatory controls.

Collections and Recovery

Automate your business processes with Alfa Systems' powerful workflow and business rules to eliminate risk and improve your response times.

Process Automation | Alfa

Alfa and Alfa Systems provide unparalleled support in converting your high-level business processes into configured workflows and business rules, minimising manual intervention, reducing operating costs and enabling better customer service.

Alfa Systems’ powerful workflow and business rule capabilities allow you to configure your business processes to take place without human input wherever possible, giving you complete control over task management and tracking, notification, escalation and workforce management.

Sophisticated routing of cases, controlled by business rules, allows any mix of manual and automated steps, enabling intelligent automation of tasks and allocation of work to users. Your asset finance processes are mapped directly into the system and standardised across the business.

"Our entire operational arm is now able to work more cohesively using integrated customer case management and highly configurable workflow, ultimately enabling PEAC to better service its customer and partner base.”


The objective of business process development is to convert high-level business processes into detailed business processes. These can then be translated into a series of steps which define the configuration of Alfa Systems workflows and business rules.

This clear and configurable visual representation of business processes, including a view of team interactions, allows Alfa customers to review operations, increase efficiency and improve customer experience.

Alfa’s comprehensive documentation was highly valuable, especially around workflow and collections - which was thrust into the spotlight by Covid.”


Working together in close partnership, we will map your existing business process onto the Alfa Systems platform, but also take the opportunity to reassess them and identify any improvements that can be made by leveraging Alfa Systems' auto and equipment finance functionality.

Alfa Systems provides full tracking of work items, giving you the opportunity to analyse and refine processes continually for maximum business benefit, without the need for burdensome report-based work. Benefits include a clear audit trail of which user has performed which actions, and management information on key areas, including individual users, bottlenecks, inefficiencies, and assignable causes.

Through automatic allocation of work to the correct users and user groups, your organisation will see improved efficiency. Customer service is notably improved by more efficient customer contact, while automation and business rules help prevent incorrect manual decisions and user error.

Process Automation

Alfa Systems’ remarketing and disposal tools for asset finance manage the end-of-term process for your entire portfolio seamlessly.

Remarketing and Disposal | Alfa

Alfa Systems’ remarketing and disposal tools manage the end-of-term process for your entire portfolio, seamlessly.

Able to manage tens of thousands of assets a month for a single customer, embedding Alfa Systems in your organisation is proven to be effective at considerable scale. Highly automated actions and decisions allow your teams to focus on exception processing.

Through a coalescence of a number of key Alfa Systems features, your users can establish a powerful remarketing and disposal landscape. Workflow forms the foundation, allowing different teams to work together throughout the process, whilst incorporating Alfa Systems functionality and integration capability.

"The seamless nature and connectivity of the new platform enables both the front- and back-office teams to access the same end customer and partner data, allowing for a truly unified customer view and enhanced data integrity.”


Alfa Systems’ integration capability supports data flow between remarketing and disposal systems landscapes, including dealer grounding and repossessions, inspection, valuation, auction and title services. This includes the ability to configure workflow-embedded webhooks to trigger external services based on process and business rule configuration, without the need for complex logic to be built into integrations.

Using Alfa Systems’ remarketing tools, we can minimise risk and achieve lower costs and faster throughput.”


Task automation via workflow (generating termination quotes, raising invoices, letter generation, movement request generation and vehicle deregistration) and control automation via business rules (such as recharge of damage and excess usage) effect a rapid and fully compliant remarketing and disposal process.

Automated, rules-based recharge of damage and excess usage

Remarketing and Disposal

Alfa Systems can be used seamlessly across different regions, timezones, currencies and languages.

Multicountry | Alfa

Multicountry features in Alfa Systems cover all of the languages, currencies and accounting standards required by a complex, geographically dispersed business.

A multicountry rollout of new software is a complex undertaking. At Alfa, one of our key strengths is understanding the unique challenges this entails. We are adept at minimising the complexity, and futureproofing your multijurisdictional operations.

Alfa Systems’ multicountry functionality enables asset finance providers to use one platform across multiple companies and jurisdictions. By consolidating existing systems onto the Alfa Systems platform, our customers ensure that their local operations are simplified and centralised, configuring companies differently according to local requirements, and removing the need for multiple, region-specific platforms. Key benefits include:

Standardising reporting and business intelligence

Centralising and harmonising business operations

Alfa Systems is multilingual with Unicode support, meaning that business practices and processes can be utilised by end users in any country with no language barriers. Meanwhile, multicurrency functionality enables asset finance businesses to operate seamlessly across different geographies.

Through its multiregulatory features, Alfa Systems supports any number of different accounting standards for different companies, generating full accounting and reporting for both local and international standards.

"Alfa Systems was the cornerstone of our four-year, multi-phased project, which successfully harmonised and simplified systems and business processes across the continent.”


Thanks to extensive documentation and comprehensive application ownership, Alfa provides customers with the self-sufficiency to grow and expand. This enables customers to add new countries or regions to their operations whenever they choose. Currently, one global bank is using Alfa Systems' asset finance software in 10 countries, and adding more countries each year without our assistance.

Alfa’s experience in assisting with multicountry implementation strategies sets us apart from our competitors. We have many such operations running for our customers in both automotive and equipment finance. Additionally, our extensive experience unifying legacy systems enables us to migrate all existing data from multiple different sources and geographies onto Alfa Systems.

"As a global bank which offers automotive finance in many countries, our requirements are complex. Today we run our operations on a stable, performant, extensible and future-proof platform throughout Europe and beyond. The platform is harmonised and operates on a truly global basis, and is ready for new regions to be incorporated.”


Another of our current implementations, for a major transportation business, is joining 14 countries on the same database across Western and Eastern Europe. Meanwhile, we are working with a Tier 1 European bank which has started a full roll-out in seven western European countries. Our strong multicountry delivery track record is why this household name chose Alfa.

Multicountry

Automate your servicing requirements with Alfa Systems.

Servicing | Alfa

Alfa Systems allows you to automate your servicing requirements flexibly, enabling sophisticated customer and dealer self-serve, and empowering your users.

Powerful workflow and business rule capabilities allow your processes to be mapped directly into the system and standardised across the business, automating all of your invoicing, payments and accounting for a wide range of assets in multiple jurisdictions.

"Alfa Systems' bulletproof accounting engine and automated invoicing, billing and payments have given us a massive efficiency boost."

Sophisticated routing of cases, controlled by business rules, allows any mix of manual and automated steps, enabling intelligent automation of tasks and allocation of work to users. Read more in Process Automation.

Furthermore, workflow configuration ensures users have the right tools at their fingertips to complete their task, whether performing a restructure, reversal or payoff, or processing customer record changes.

Any contractual changes to lease agreements can be changed or reversed at any time, with no need for rebooking. Alfa maintains a complete audit history, detailing all changes and transactions performed across the system, including before-and-after snapshots.

All of Alfa Systems’ servicing functionality can be exposed to dealers and customers to allow sophisticated self-serve through digital apps and APIs. Read more in Extensible Platform.

"Alfa’s comprehensive documentation was highly valuable, especially around workflow and collections - which was thrust into the spotlight by Covid.”


Sophisticated pricing and accounting engine

Product support across multiple jurisdictions

Identical pricing engine for quotation and in-life changes

Support for securitising contracts individually or in bulk

Ability to change or reverse any transaction

Automation through business rules and workflow

Customer and dealer self-serve through apps and APIs

Automated invoicing, billing and payments

Alfa Systems supports both retail and corporate business, including complex leases and loans, usage-based products and risk-free rates. Read more in Expansive Product Support.

Multicountry features in Alfa Systems cover all of the languages, currencies and accounting standards required by a complex, geographically dispersed business. Read more in Multicountry.

Alfa Systems is built for finance and accounting professionals, who face a host of intricate challenges and increasing regulatory complexity, and require automation of financial transactions, traceability, and agility. Read more in Accuracy and Compliance.

Servicing

Alfa Systems' middle office functionality enables you to automate credit decisioning, documents and payouts.

Middle Office | Alfa

Middle Office in Alfa Systems allows your operation to run at greater efficiency, enabling greater throughput and business growth.

With automated, transparent credit decisioning and sophisticated document and payout handling, Alfa Systems' asset finance software gives you further control through credit bureau integration, customisable underwriting screens and scorecards.

Alfa iQ integration provides class-leading support for decisions using advanced machine learning techniques, augmenting the automated decisioning support provided by Alfa Systems.

Workflow in Alfa Systems allows you to control task management, notification, escalation and workforce management; then automate system behaviour using Business Rules, reducing operating costs and providing better customer service. Read more in Process Automation.

Alfa’s document management features include e-signature support, and let you integrate with any dedicated solution or use your own templates. All of your letters, statements and invoices are attached automatically to the customer or contract for future reference. You can generate documents at strategic points in the lifecycle, or automatically in volume, with tracking and audit built in.

With anti-money laundering, accounts payable and title management facilities also available, your operations run at greater efficiency, enabling greater throughput and business growth.

"We can now configure our middle office processes visually, ensuring they are consistent, repeatable and compliant.”

Configurable, rules-driven business processes

Document generation, storage, tracking and audit

"...with Alfa Systems we have full and immediate control over product configuration, enabling us to deliver flexible lending products to meet the needs of our clients. As well as this, fundamental tools like business processes and reports - instead of being a hindrance - provide us and our partners with greater insight.”

Middle Office

Alfa Systems' point of sale functionality enables you to have a seamless omnichannel sales offering.

Point of Sale | Alfa

With omnichannel support, Point of Sale in Alfa Systems addresses all of an asset finance provider’s needs around quotation, product configuration and new business.

Alfa Systems’ quotation system empowers brokers, vendors and end customers to handle the entire asset finance product set, from retail credit agreements to complex tax-based leasing.

Finance quotes are delivered via Point of Sale and bespoke digital apps, providing a responsive user interface for mobile, tablet and desktop. Working in close collaboration with our customers, we assemble digital apps quickly and efficiently using POSkit, Alfa Systems’ library of UI components, and following a ‘design thinking’ methodology. Read more in Extensible Platform.

“The excellent usability in the front end means our dealers achieve complex tasks with minimal fuss.”

With sophisticated evaluation, sales workflow and business rules (see Process Automation), Point of Sale and associated Alfa Systems digital apps feature automated, real-time credit decisions. A single, integrated pricing engine can solve for multiple targets on a before- or after-tax basis for leases or loans.

Quotes can be evaluated for numerous components, including rate, commission, rental and residual value, with financial structures defined for each market. Integration with industry-standard catalogues allows complete asset classification, including vehicle options, while value-added products such as maintenance can also be defined as part of an overall product template.

These templates can be created and deployed rapidly, enabling optimum speed to market and featuring fully flexible payment profiles configured as required. Commissions and subsidies can then be calculated automatically from converted quotes.

"Alfa Systems is so easy to configure that we don’t need to be technical experts in it; we have the partnership with Alfa, and this enables us to be experts in our own products and our own market.”

Multiple input channels, from broker-based to self-service, provide support for numerous brands and routes to market. Transactions can be started on one channel and picked up on another, optimising quote throughput.

Frame or master agreements allow you to set vendor-specific defaults and rules, meaning the end user enters only minimal detail within preconfigured restrictions.

“With Alfa Systems we have full and immediate control over product configuration, enabling us to deliver flexible lending products to meet the needs of our clients.”

Master agreements and pipeline management

Single, integrated pricing engine for quotation and in-life changes

Bespoke digital apps built against Alfa’s API using our component library

Responsive UI for mobile, tablet and desktop

Optimised communication between sales and underwriting

Point of Sale

Alfa Systems' robust wholesale floorplan financing functionality enables you to process any and all aspects of your wholesale business.

Wholesale Floorplan | Alfa

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 industry’s standout solution for wholesale floorplan business, selected time after time by the leading operators.

Alfa Systems manages the entire unit lifecycle for wholesale floorplan financing. Delivered to dealers, distributors, auditors and finance providers via a customisable user interface and authority model, our wholesale floorplan financing software enables complicated and costly high-volume business processes to be handled with minimal effort.

Alfa Systems supports product sets required by dealers, including commercial loans, retail commission, cash accounts, interest-offset accounts and dealer reserves.

"Because of the single-system nature, our wholesale assets are easily quoted and transferred onto retail contracts, giving us accurate whole-life profitability."

Wholesale in Alfa Systems incorporates high levels of automation, especially mass or bulk changes, including for interest rates, capital repayments/instalments (curtailments) and contract restructuring. Workflow and business rules provide excellent support in configuring your business processes to take place automatically without human input, wherever that is possible.

The value of running your wholesale or floorplan finance business on Alfa Systems is considerable. Our customers often consolidate an array of existing systems, utilities and workarounds, creating a highly simplified systems landscape.

Those who also onboard a retail portfolio enjoy a single view of retail and wholesale, and are able to net wholesale transactions off against each automatically. Only when you are using a single platform can the same vehicle in wholesale become a contract in your retail business.

Wholesale Floorplan

Alfa Systems is a cloud-native platform that enables you to get up and running quickly and eliminates the need to have on-premise servers.

Cloud Hosting | Alfa

Alfa’s ‘cloud first’ approach sees many of our customers hosted securely on the AWS public cloud.

Cloud customers can manage their environments online.

Alfa’s hosting service deploys our asset finance system securely in the AWS public cloud, providing geographical flexibility and rapid deployment while removing the responsibility of application support, monitoring and availability from our customers.

"We were able to utilise the system’s existing set-up and best-practice behaviour to give us a head start, rather than spending time and effort taking a blue-sky approach to definition."


Each customer’s Alfa Systems environment is deployed in a Virtual Private Cloud, completely isolated from all other customers using Alfa’s hosting services. Our Security-as-a-Service provider monitors security event logs 24 hours a day, with high-severity incidents reported to Alfa within 15 minutes.

"Our cloud instance is always-on, and has allowed us to scale easily as our portfolio grows.”


Alfa is compliant with ISO27001, ISO27018 and the SOC2 controls for availability, integrity and confidentiality. We can deploy Alfa Systems in geographical proximity to users while meeting data residency regulations, ensuring that performance and compliance requirements can be met in the same solution.

The following are just some of the techniques that we employ to ensure that we remain ISO27001, ISO27018 and SOC2 compliant in security:

Cloud authentication of end-user credentials

Continuous monitoring for vulnerabilities

Routine penetration and disaster recovery testing

Alfa’s Application Support team provides remote support to both on-premise and hosting service customers, and is responsible for investigating application issues. For our cloud customers, Alfa acts as a Managed Server Provider, administering, monitoring and proactively managing the environment. As each environment is deployed separately, our customers remain in control of application releases and change deployment.

Alternatively, an on-premise deployment allows you to keep all infrastructure under your control, while private cloud infrastructure providers can be used if required.

Alfa Systems is a fully managed infrastructure stack hosted in the cloud, with rapid scalability and geographical flexibility. More cost-efficient than an on-premise install, using Alfa Systems in the cloud removes the burden of application support, monitoring and availability.

Full capabilities of the Alfa Systems platform

Comprehensive 24/7 monitoring, alerting and scheduling

Alfa Systems v5.7

Alfa and the UN Sustainable Development Goals

Innovation in Implementation Series

Gold-Accredited Alfa Makes Top 20 in Investors in People

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