Data-driven value creation


Data is extremely valuable if utilized properly for optimizing the business. Data serves as input to predictive modelling and deeper understanding, which supports stronger decision-making. Financial institutions are endowed with massive amounts of data and the future winners will be the ones best equipt to gain competitive advantages from data.

Data Science

To derive valuable business information from data, we apply advanced quantitative methods, deep learning, bayesian reasoning and compound visualizations by using powerful data science tools. Unapparent patterns and relations, can be detected and utilized systemically by use of quantitative methodology and analysis.


To scale optimal analytical decision-making across the business, with hundreds of daily users and supporting specialists as well as non-technical employees, our end-user solutions is fintech. Although our solutions often concern complex underlying matters, we provide very user-friendly solutions that are easy to learn and apply.






AQClients360 is our client optimization solution.

The application supports financial advisors with easy and fast assessments of client profitability and allows for a wide range of evaluations and actions on clients.

It automatically assesses client profitability of every single client on a daily basis and furthermore offers a flexible scenario engine for evaluating consequences from potential business changes.

The application provides extreme value-creation as it helps improve the entire revenue base by tuning branch offices, reduces credit losses and helps do more with fewer resources.

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AQProfitability is our profitability analysis and reporting solution.

Having a detailed understanding and overview of profitability across the organization and products, financial advisors, credit ratings, sectors etc. is often an overwhelming task. AQProfitability solves this by providing an out-of-the-box, easy to use, advanced business intelligence solution, that offers a full break-down of profitability in seconds.

The application provides high value-creation via deep business insights wrt. profitability, interest rate levels and interest rate scenarios. It furthermore saves resources on business intelligence development, maintenance and reporting support.

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AQCreditPlus is our credit, risk and capital related solution.

Working with credit analysis, credit risk and capital adequacy many analytical 'pains' arise frequently.

The AQCreditPlus application is an 'umbrella' application dedicated to support specialists in solving typical analytical tasks/problems. It helps automate manual and ad-hoc tasks and perform them systematically and very fast - allowing for more efficient use of resources.

The application is in non-stop development and new supported tasks are added continuously.

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AQOpRisk is our operational risk management solution.

Operational risks concern potential losses due to people, internal processes, systems and external events.

Operational risk is the second most (to credit risk) important risk category in retail banking, yet managing operational risks is rarely properly understood or prioritized. Reasons are likely the intangible nature of operational risks and the diverse tasks required to manage operational risks effectively.

The AQOpRisk application solves this and supports all the diverse tasks required in one full operational risk platform that helps perform professional operational risk management with few resources.

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New bank partnership


We are excited to announce that Vestjysk Bank and AQRisk have entered into a new fintech partnership.

Vestjysk Bank is a full-service bank that advises private and corporate customers locally and regionally via 29 branch offices in Jutland. It ranks as the 8th largest bank in Denmark.

AQRisk will provide Vestjysk Bank with the fintech application AQOpRisk, which supports optimizing operational risk management by easy incident capture and review – assessment of potential operational events and the control and insurance environment - calculation of risk and capital adequacy and as well as provide flexible business intelligence risk and regulatory reporting. All of it very effectively with few resources required.

Operational risk is typically the second largest (to credit) risk exposure in banks and managing operational risks professionally requires solving complex and very diverse tasks. The AQOpRisk application helps solve and optimize these tasks as an innovative consolidated operational risk platform - all fully integrated within Vestjysk Bank’s datacenter – BEC Financial Technologies.

Visit Vestjysk Bank.

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Solution announcement


Going global means going multilingual!

In 2021 AQRisk will expand internationally which means supporting a wide array of languages.

The AQRisk solution suite has now been extended to support all major and Nordic languages. That means individual users can now select (and change) the preferred language dynamically on-the-fly across the AQRisk solution suite.

So financial institutions with offices across countries/languages or simply employees with different native tongues can now use AQRisk fintech solutions in their preferred language.

The number of languages supported will increase going forward.

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New bank partnership


We are thrilled to announce that AQRisk enters into partnership with Sparekassen Vendsyssel.

Sparekassen Vendsyssel is a very successful danish financial institution with 43 branch offices. Vendsyssel rank among the 10 largest retail banks in Denmark.

By tapping into the AQRisk analytics platforms Vendsyssel will enhance utilization of data, advanced analytics, automation and state-of-the art business intelligence reporting.

Sparekassen Vendsyssel Board of Management comment on the new partnership: “We look forward to working with AQRisk - it will enhance our foundation for decision-making with data-driven high-end solutions. The solutions will provide stronger support to our employees, so they can strengthen cooperation with our customers even more and we can optimize the business via deeper insights”

Visit Sparekassen Vendsyssel here.

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