Let us say a company FinCo is to provide captive financial business services (BPO – Business Process Outsourcing) to smaller banks or credit unions, the implementation of the service delivery can be hosted in the cloud and can be sold as a business cloud or implemented in the cloud depends on the FinCo’s business model.

The various captive financial business services that can be provided as the business cloud:

• Captive financial business process management – Develop a standard business life cycle and design & implement the business processes in the cloud. The standard captive financial business processes can be extended for the customized business processes for each bank or credit union customers or even a captive financial
• Score card development – The major pieces are FICO score (almost 350+ attributes) and internal credit model
• Base Residual Risk model for the collateral (car)
• Base Pricing Model – Based on the company’s score card , residual risk of the collateral (car) and marketing strategy
• Loan origination – (From customer inquiry to discounting/booking the loan in the portfolio system)
• Floor planning – (whole sale inventory management, insurance, consignment, electronic fund transfer and etc)
• Remarketing (after market life cycle)
• Asset based securitization

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