atrium
Corporate banking
on a shared data foundation.
Origination, structuring, valuation, decision, servicing—all in one system on one data layer. Relationship managers, back office, risk, appraisers and syndicate partners work on the same case.
The Data Reset Loop.
The same information is restructured at every interface. The balance sheet from the core banking system is sent as a PDF, retyped in the back office, reformatted in Excel for the committee, then forwarded to the syndicate partner as a PDF.
This isn't bad software. It's a structural pattern. The processes around it exist largely just to compensate for this regression.
Solve the data problem and most of these processes collapse.
Process Software
Classic process software digitises the workflow, not the data. The more you build, the more rigid the system.
Freeform Tools
Freeform tools promise the opposite — and collapse under the complexity as soon as structures are used across organisations.
On Two Failing Categories
Both share the same blind spot
A Stable, Shared Data Layer
Guardrails where complexity demands them.
Freedom where it works.
Different sources
Banks, real estate agents, and appraisers each bring their own information
Organized by purpose
Information reorganized into logical groups that match how decisions are made
Process platform
Credit processes in the logic in which they actually run.
Data platform
A company, a property, a financing exist once in the model.
General Information
Property TypeOffice Building
LocationMunich, Germany
Size2,450 sqm
Year Built2018
Securities
Collateral1st Rank Mortgage
Market Value€8.5M
LTV Ratio65%
GuaranteesCorporate Guarantee
Financial Data
Loan Amount€5.5M
Interest Rate3.45% p.a.
Annual Rental Income€680K
Borrower RatingA- (Excellent)
Three products. One foundation.
Built for enterprise.
Made for humans.
atlas
The whole real estate market
in one interface and much more.
Enter an address. See the market picture. Generate a valuation draft. Benchmark a portfolio. From a single location to a macro forecast.
argus
See who is
behind a company.
Shareholders, holdings, ultimate beneficial owners, recursively resolved from the registers. Monitoring included. One dossier instead of three systems.
From the institution to the ecosystem.
The most expensive Data Reset is the one between organisations. That's precisely where it has been accepted as unavoidable. It isn't.
We started in the corporate banking business of the Sparkassen-Finanzgruppe, in cooperation with S-Management Services. The next step isn't the next institution — it's that data is no longer torn apart across institutional boundaries.
We're building the shared data layer that an entire industry runs on.
Shared
Layer
Layer
Make data work for you.
Talk to us about atrium, atlas, argus, or about the whole platform.