We understand home loan and savings banks

Horn & Company is your partner for strategic issues in the building society and lending business, for operational excellence and digital transformation.

Building Societies in Transition: Actively Shaping the Future

The building society of tomorrow is being built today. Changing customer expectations, digital sales models, and growing regulatory requirements are putting pressure on the industry—while at the same time, ESG, data & AI, and efficient processes are opening up new opportunities. Demographic change, a shortage of skilled workers, and the need for future-proof refinancing further exacerbate the situation.

The answer lies in three strategic priorities: Further develop the business model. Transform digitally. Secure competitiveness. It is crucial to deploy available investment funds strategically where they will have the greatest impact.

Horn & Company – Your Partner for Sustainable Change

We have been guiding building societies through precisely these challenges for many years. Together with our clients, we don’t just develop concepts on paper—we achieve measurable results. From strategic realignment to sales and process optimization to the implementation of modern technologies: We stand for strong execution.

Our range of services includes:

Increasing profitability through sustainable efficiency and growth strategies
Lending business – strategically tapping into and securing growth
Transformation toward customer-centric, agile organizations
AI & Technology – Innovation with a sense of proportion and tangible benefits

Shape the future of your building society – with us.

At a Glance: Automation of the Lending Business

The automation of processes in the lending business is a particularly timely topic. Early adopters are already reaping benefits from automating lending processes, such as

loan approvals at the first point of contact (time-to-yes),
significantly reduced application processing times (time-to-money),
efficiencies through the automation of administrative tasks,
independence from fluctuating order volumes through scalability, and
increasing profitability

The integration of new technologies such as artificial intelligence and machine learning accelerates the realization of this potential and provides early adopters with additional competitive advantages.

Our services for home loan and savings banks

We support you in strategy development, digital transformation, the expansion of excellence in sales and back office processes as well as in questions relating to regulatory challenges and risk management.

Home Loan & Savings Banks Consulting

Optimized Process Management

Horn & Company is your partner for optimizing existing processes and for implementing effective new ones.

Home Loan & Savings Banks Consulting

Sustainability Transformation in Banking

The sustainability transformation – great challenges come with great opportunities. Horn & Company is your partner to adress these holistically.

Home Loan & Savings Banks Consulting

Horn & Company Modular Strategy Process

Horn & Company advises you holistically from the development to the implementation of your business strategy.

Home Loan & Savings banks Consulting

Agile Organization

Financial service providers are facing complex requirements, while the pressure for effective transformation is increasing.

Home Loan & Savings Banks Consulting

Holistic Cost Management

Horn & Company is your consulting partner for establishing sustainable and effective cost management.

technology &
transformation

Experience with Horn & Company how you can turn your ideas and goals into measurable transformation successes with the use of technology.

Experience our Competence

Artificial Intelligence & data

From new use cases and AI operating models to ethical considerations: Horn & Company shows you how to use AI effectively and impactfully to generate added value and transform your business model for the long term.

Experience our competence

Our experts for home loan and savings banks

An eye for what is feasible: In addition to the specialist, market and industry knowledge of our experts, our clients appreciate our pragmatic approach on the way to customized and innovative solutions. Feel free to contact us!