{"id":15350,"date":"2026-11-07T10:06:10","date_gmt":"2026-11-07T10:06:10","guid":{"rendered":"https:\/\/www.zootsolutions.eu\/?p=15350"},"modified":"2026-11-07T11:08:02","modified_gmt":"2026-11-07T11:08:02","slug":"studie-digitalisierung-baufinanzierung-finnland","status":"publish","type":"post","link":"https:\/\/www.zootsolutions.eu\/de\/studie-digitalisierung-baufinanzierung-finnland\/","title":{"rendered":"Baufinanzierung bei Banken digitalisieren: Was Finnland zeigt | Whitepaper"},"content":{"rendered":"

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[et_pb_line_break_holder] --> .zws-wp .lede{font-size:19px;line-height:27px}<!-- [et_pb_line_break_holder] --> .zws-wp .logos{flex-wrap:wrap}<!-- [et_pb_line_break_holder] -->}<!-- [et_pb_line_break_holder] --><\/style>\n<p><!-- [et_pb_line_break_holder] --><\/head><!-- [et_pb_line_break_holder] --><body style=\"margin:0\"><!-- [et_pb_line_break_holder] --><!-- START --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"zws-wp\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 2) Banner: Design wie bisher, plus Tagline --><!-- [et_pb_line_break_holder] --> <\/p>\n<header class=\"banner\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"wrap\"><!-- [et_pb_line_break_holder] --> <!-- Tagline = Kategorie-Pills, jeweils mit Link auf die deutsche WP-Kategorie (Slugs ungepr\u00fcft, bitte anpassen) --><!-- [et_pb_line_break_holder] --> <\/p>\n<ul class=\"tags\"><!-- [et_pb_line_break_holder] --> <\/p>\n<li><a href=\"https:\/\/www.zootsolutions.eu\/de\/tag\/whitepaper\/\">Whitepaper<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><a href=\"https:\/\/www.zootsolutions.eu\/de\/kategorie\/baufinanzierung\/\">Baufinanzierung<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><a href=\"https:\/\/www.zootsolutions.eu\/de\/kategorie\/kreditentscheidung\/\">Kreditentscheidung<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li><a href=\"https:\/\/www.zootsolutions.eu\/de\/category\/modulare-architektur\/\">Modulare Architektur<\/a><\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<h1>Baufinanzierung bei Banken digitalisieren: <strong>Was Finnland zeigt<\/strong><\/h1>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/header>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 3) Content links | Asset + HubSpot-Formular rechts --><!-- [et_pb_line_break_holder] --> <main class=\"main\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"wrap\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"grid\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<article class=\"copy\"><!-- [et_pb_line_break_holder] --> <pee class=\"lede\">Der finnische Baufinanzierungsmarkt steht an einem strukturellen Wendepunkt. Die Nachfrage zieht an, die Erwartungen der Kunden steigen, FiDA r\u00fcckt n\u00e4her \u2013 und die meisten Finanzierungsprozesse sind nach wie vor langsam, fragmentiert und manuell.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee>Finnland hat eine der st\u00e4rksten digitalen Grundlagen Europas: elektronische Identit\u00e4t, ein positives Kreditregister, nationale Bev\u00f6lkerungs- und Immobiliendaten und hochgradig digitale Kunden. Dennoch bearbeiten viele Kreditgeber Baufinanzierungen weiterhin mit Altsystemen, statischen Entscheidungsmodellen und manuellen \u00dcbergaben. Mit steigenden Volumen wird diese L\u00fccke zum Wettbewerbsrisiko.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee>Im Whitepaper <strong>\u201eFuture-proofing Finnish mortgage lending: From legacy barriers to digital leadership\u201c<\/strong> zeichnen BearingPoint Finnland und Zoot Solutions eine Vision f\u00fcr die Baufinanzierung im Jahr 2030 \u2013 und einen praktikablen Weg dorthin. Das Paper verbindet sofort wirksame Verbesserungen mit den strukturellen Ver\u00e4nderungen, die f\u00fcr ein vollst\u00e4ndig digitales, kundenzentriertes Finanzierungs\u00f6kosystem n\u00f6tig sind, und veranschaulicht sie an zwei Kundenbeispielen.<\/pee><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <pee class=\"kt\"><strong>Das Whitepaper zeigt, wie finnische Kreditgeber heute schon:<\/strong><\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<ul><!-- [et_pb_line_break_holder] --> <\/p>\n<li>die f\u00fcnf Schwachstellen beseitigen, die heutige Finanzierungsprozesse ausbremsen<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Finanzierungszusagen unter Vorbehalt in Echtzeit erteilen \u2013 genau dann, wenn der Kunde sie braucht<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>Standardf\u00e4lle automatisieren und nur echte Ausnahmen an Kreditpr\u00fcfer weiterleiten<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>eine modulare, zukunftsf\u00e4hige Kreditplattform aufbauen, ohne alles auf einmal abzul\u00f6sen<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>sich auf FiDA, Embedded Finance und kontrollierte KI entlang des gesamten Finanzierungszyklus vorbereiten<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<li>den Wandel in kleinen Schritten umsetzen \u2013 mit einer Roadmap in vier Schritten und zwei Kundenbeispielen vom Erstk\u00e4ufer bis zur Anschlussfinanzierung<\/li>\n<p><!-- [et_pb_line_break_holder] --> <\/ul>\n<p><!-- [et_pb_line_break_holder] --> <\/article>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<aside class=\"side\"><!-- [et_pb_line_break_holder] --> <\/p>\n<section class=\"asset\" aria-label=\"Whitepaper\"><!-- [et_pb_line_break_holder] --> <span class=\"label\">Whitepaper (Englisch)<\/span><!-- [et_pb_line_break_holder] --> <\/p>\n<h3>Future-proofing Finnish Mortgage Lending: From Legacy Barriers to Digital Leadership<\/h3>\n<p><!-- [et_pb_line_break_holder] --> <pee class=\"sub\">Eine gemeinsame Perspektive von BearingPoint Finnland und Zoot Solutions \u00b7 Sprache: Englisch<\/pee><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"img\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" src=\"https:\/\/www.zootsolutions.eu\/wp-content\/uploads\/2026\/11\/Featured-Image_White-Paper_-BearingPoint-Zoot-Solutions.webp\"<!-- [et_pb_line_break_holder] --> width=“1200″ height=“630″<!-- [et_pb_line_break_holder] --> alt=“Whitepaper \u201eFuture-proofing Finnish mortgage lending: From legacy barriers to digital leadership\u201c von BearingPoint Finnland und Zoot Solutions \u2013 gedrucktes Cover und Seite mit der Executive Summary“<!-- [et_pb_line_break_holder] --> title=“Future-proofing Finnish mortgage lending \u2013 Whitepaper von BearingPoint Finnland und Zoot Solutions“><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/p>\n<section class=\"formbox\" aria-label=\"Download-Formular\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- HubSpot-Formular DE (EU-Region); Submit-Button-Text im Formular: \u201eWhitepaper herunterladen\u201c --><!-- [et_pb_line_break_holder] --> <\/p>\n<div id=\"hs-form-whitepaper\" class=\"hs-wrap\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js-eu1.hsforms.net\/forms\/embed\/v2.js\"><\/script><!-- [et_pb_line_break_holder] --> <script><!-- [et_pb_line_break_holder] --> hbspt.forms.create({<!-- [et_pb_line_break_holder] --> portalId: \"146170234\",<!-- [et_pb_line_break_holder] --> formId: \"b2961c31-eade-499d-a5e0-0292f43c76ae\",<!-- [et_pb_line_break_holder] --> region: \"eu1\",<!-- [et_pb_line_break_holder] --> target: \"#hs-form-whitepaper\"<!-- [et_pb_line_break_holder] --> });<!-- [et_pb_line_break_holder] --> <\/script><!-- [et_pb_line_break_holder] --> <pee class=\"form-note\">Hinweis: Das Whitepaper ist auf Englisch.<\/pee><!-- [et_pb_line_break_holder] --> <\/section>\n<p><!-- [et_pb_line_break_holder] --> <\/aside>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --> <!-- 4) Autoren \/ Partner (BearingPoint zuerst) --><!-- [et_pb_line_break_holder] --> <\/p>\n<section class=\"authors\" aria-label=\"Autoren\"><!-- [et_pb_line_break_holder] --> <span class=\"pill\">Autoren<\/span><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"author-list\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"author\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" class=\"photo\" src=\"https:\/\/www.zootsolutions.eu\/wp-content\/uploads\/2026\/11\/Ninni-Winter.webp\" width=\"160\" height=\"160\" alt=\"Ninni Winter\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><strong>Ninni Winter<\/strong><span class=\"role\">BearingPoint Finnland<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"logo\"><img decoding=\"async\" src=\"https:\/\/www.zootsolutions.eu\/wp-content\/uploads\/2026\/11\/bearing-point-logo-scaled.png\" alt=\"BearingPoint\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"author\"><!-- [et_pb_line_break_holder] --> <img decoding=\"async\" class=\"photo\" src=\"https:\/\/www.zootsolutions.eu\/wp-content\/uploads\/2026\/11\/Eckart-Gartner.webp\" width=\"160\" height=\"160\" alt=\"Eckart G\u00e4rtner\"><!-- [et_pb_line_break_holder] --> <\/p>\n<div><strong>Eckart G\u00e4rtner<\/strong><span class=\"role\">Zoot Solutions<\/span><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/p>\n<div class=\"logo\"><img decoding=\"async\" src=\"https:\/\/www.zootsolutions.eu\/wp-content\/uploads\/2026\/09\/logo-ZootSolutions-color.svg\" alt=\"Zoot Solutions\"><\/div>\n<p><!-- [et_pb_line_break_holder] --> <\/div>\n<p><!-- 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Dennoch bearbeiten viele Kreditgeber Baufinanzierungen weiterhin mit Altsystemen, statischen Entscheidungsmodellen und manuellen \u00dcbergaben. Mit steigenden Volumen wird diese L\u00fccke zum Wettbewerbsrisiko.<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","iawp_total_views":23,"footnotes":""},"categories":[155,152],"tags":[187],"class_list":["post-15350","post","type-post","status-publish","format-standard","hentry","category-decisioning","category-baufinanzierung","tag-whitepaper"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/posts\/15350","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/comments?post=15350"}],"version-history":[{"count":6,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/posts\/15350\/revisions"}],"predecessor-version":[{"id":15518,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/posts\/15350\/revisions\/15518"}],"wp:attachment":[{"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/media?parent=15350"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/categories?post=15350"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zootsolutions.eu\/de\/wp-json\/wp\/v2\/tags?post=15350"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}