Commerz Real: Digital Financial Products open up new Business Segments

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 the processes, offers can be processed and created much faster and more efficiently. Leasing contracts can be handed over to customers at the Commerzbank branch within a few minutes, ready to be signed.

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.

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.

Case Study Video

Challenge: Digitalization of processes and products

Commerz Real's goal was to develop an application that would enable the Commerzbank customer advisor to calculate and process leasing contracts for movable assets, such as vehicles, machines, or equipment, directly at the bank branch’s point of sale. Previously, the Commerz Real employee carried this out in the SAP-based inventory system for the customer advisor.

The advantages of the digitalized process are obvious: The customer advisor can create individual, alternative offers in direct communication with the customer. The time-consuming and resource-intensive process of collecting the individual components of the contract was completely digitalized.

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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

Solution: Leasing contracts ready for signature in just a few minutes

Together with the Commerz Real project team, AOE developed a product vision for an application that collects a multitude of data on the customer, the investment object, and the leasing contract type, validates it in real time, and calculates suitable leasing terms and rates. The application was fully integrated into the IT system landscapes of Commerzbank and Commerz Real in order to gather the necessary data only once and to be able to calculate suitable leasing offers. The result: ComLease, an innovative application with a high-quality customer experience.

With the ComLease application, the customer advisor can convert an offer into a contract ready for signature with just a few additional details. The reduced processing effort for calculating leasing costs and preparing quotations thus fits in with Commerz Real's strategy of also offering small-volume business in movables leasing – and, with a view to the future, in direct online sales as well.

Features of the application:

  • Object Search: Selection of leasable movable assets such as machines, equipment or vehicles
  • Individualized Contracts: Control of contractual conditions, contract types (leasing and hire purchase) and settlement types (sale-and-lease-back, order entry)
  • Calculation of leasing rates: Automated calculation of leasing rates for the selected object, including flexible leasing term based on data updated daily
  • Object Management: Commerz Real internal administration of contract types and depreciation periods

Leasing contracts created with ComLease can be tailored to the individual needs of each customer. The tool answers questions such as “What are my monthly leasing costs?” or “What is my final instalment?”

Go-Live within only 9 months

Together with Commerz Real, AOE succeeded in developing the application within nine months and introducing it at the Commerzbank branches at the point of sale. The application completely covered all processes automatically, from the inquiry to the contract-ready signature.

At the same time, AOE supported the company in the agile transformation of the project's work flows. Before the start of the project, the Commerz Real team was introduced to the agile methodology in an AOE workshop. During the development phase, the agile Scrum framework was utilized, with the agile processes and ceremonies being exemplified by the AOE team and the Commerz Real team being continuously supported and coached. This made it easier for Commerz Real to introduce agile methods in its own company successfully.

Business Benefits

  • ComLease is a pioneering application in the financial sector that automatically links existing information from Commerzbank and Commerz Real systems with just a little additional information and generates a contract that is ready to be signed within the SAP inventory system.
  • ComLease is an outstanding example for digitalizing financial services, expanding the product portfolio of Commerz Real and Commerzbank, and serves as a model for other comparable developments.
  • The application enables contracts to be processed much more quickly with a lower error rate. Thanks to the digitalized processes, Commerz Real can process considerably more contracts per month than before.
  • With the help of ComLease, Commerz Real can react flexibly to market developments directly at the Commerzbank branches and thus offer leasing conditions that are in line with the market. In this way, the application supports the achievement of the goals of the customer advisors and the company.
  • ComLease is intuitive and easy to use. With just a few clicks, customer advisors can present each customer with an optimal, individually tailored offer.


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.

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