Nykredit is Denmark’s largest mortgage lender and one of the country’s leading financial institutions, with a market-leading position in Danish mortgage lending. To support its customer-and advisor-driven business model, Nykredit continuously invests in digital tools that help advisors navigate complex credit processes and make well-documented credit decisions.
Credit advisors at Nykredit navigate a rule-intensive process, from initial customer dialogue through assessment and final credit decision. The complexity of the domain, combined with limited digital tooling meant that the overall process was less efficient than it needed to be.
At the same time, Nykredit was facing a hard deadline migrating with Spar Nord, meaning a replacement solution had to be delivered quickly with no room for a lengthy greenfield build. The challenge was clear: deliver a complex customer- and advisor-driven, production-grade solution in a compressed timeframe, across a domain with many stakeholders and intricate business rules.
“The solution has strengthened our ability to deliver consistent, high-quality credit advisory services while reducing complexity for our advisors. The partnership with &money allowed us to move quickly, align business and technology priorities, and deliver a business-critical platform significantly ahead of schedule.”
Rather than starting from scratch, &money took a platform-first approach. Nykredit is already using the &money Engage platform, and the Credit Rule Engine was built as a modular add-on on top of it reusing existing services, security infrastructure, and operational components. This dramatically reduced time-to-market without sacrificing quality or scalability.
The solution provides advisors with a guided, intuitive workflow that walks them through each step of the credit process. Real-time feedback on creditworthiness, automatic calculations, and data fetched directly from source systems ensure that advisors always work with accurate, up-to-date information.
The underlying rules engine is intentionally generic and layered separating UI, business logic, and integrations, making it straightforward to adapt as credit rules and business needs evolve. The engine can also be used in other banks and banking domains.
The close collaboration between &money & Trifork development team and BEC/Nykredit’s domain specialist and business stakeholders was itself a key accelerator. Business and development worked as one team referred to as the “the joint success team”, with continuous prioritization and rapid decision-making. The result: 95% of functionality was delivered a month ahead of deadline.
“Building on &money Engage, we delivered a complex, production-ready solution ahead of a hard deadline. The platform now offers a generic, reusable rules engine that can grow into new domains and clients — proof that platform-first is the key to speed.”
Since go-live March 2026, the solution has been adopted rapidly across the organisation:
The Credit Rule Engine demonstrates what becomes possible when a capable platform, tight business collaboration, and an iterative delivery model come together. &money and Trifork delivered a production-ready solution at record speed and built a foundation that can continue to grow into other banking domains.
With the foundation in place AI intelligence has now been added to the workflow. Trifork’s Corax AI platform is integrated to provide AI assisted support in the credit process – helping advisors navigate complex cases, surface relevant information faster, and make better-informed recommendations. This brings the power of enterprise AI into the daily workflow of Nykredit’s advisors, built on a platform already trusted and in active use.
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