Commerz Real: Digitalization creates new product range for financial service providers

About the Case Study

How can I digitalize my business model and make it more efficient? Commerz Real, a wholly owned subsidiary of Commerzbank, asked itself this question. In order to expand its product range and establish agile processes at the same time, Commerz Real contracted AOE to develop a solution for the automated, digital calculation of leasing contracts for moveable assets. In addition, AOE is supporting Commerz Real in its transformation to an agile, future-oriented project implementation.

Business Benefits

  • ComLease expands the product portfolio of Commerz Real and Commerzbank
  • ComLease automatically links existing information with additional data
  • ComLease enables faster processing of contracts with a lower error rate
  • With ComLease, Commerz Real can react directly to market developments at Commerzbank branches and offer optimal leasing conditions
  • ComLease is intuitive and easy to use

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Calculation of Leasing Conditions

Flexible, transparent calculation of leasing conditions and contract terms, based on customer data, type of investment object and contract conditions with individual offer immediately available.

Digital Business Model

The digital offering comprises the entire automated process, from inquiry to supplier check, from the creation of the most important conditions to the signature-ready contract.

Efficient Digitalized Processes

By digitalizing processes, offers can be created and edited much faster and more efficiently. Leasing contracts can finalized at the Commerzbank branch within a few minutes and handed over to customers for signature.


Management Summary: Go-Live in only 9 months

ComLease is an intuitive solution for the calculation and creation of leasing contracts for movable capital goods in a complex banking environment, which gives Commerz Real a competitive edge in the market. With the application, Commerz Real is breaking new ground in active customer consulting and in developing further digital financial products. At the same time, ComLease is an example of the successful design of digital business models and the launch of digital products, with the development and implementation of the solution being completed in just nine months. In addition to digital product development, AOE also supported Commerz Real in transforming the project teams involved with the implementation of agile methods.

Klaus Meyer
Together with AOE, we were faced with the task of digitalizing our process for calculating, creating and processing leasing contracts for movables as quickly as possible and bringing it to market. Thanks to the new ComLease tool, we were able to do this in an impressive manner. At the same time, we were able to integrate agile processes into the company.
Klaus Meyer
Managing Director
Commerz Real Mobilienleasing GmbH

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