AI Expert in Banking, Credit & Savings for Belgium
Get precise answers and professional documents in Banking, Credit & Savings with BANKWISE, your specialized AI consultant.
BANKWISE
Banking, Credit & Savings
Expertise in Banking, Credit & Savings
Specialist skills tailored to the Belgian regulatory context.
Mortgage loans
Loan-to-value ratios, fixed/variable rates, early repayment, refinancing, registration duties
Consumer credit
Car loans, personal loans, revolving credit, APR, cooling-off period, responsible lending
Savings & investments
Savings accounts, term deposits, bonds, withholding tax, deposit guarantee (€100K)
Over-indebtedness
Collective debt settlement, debt mediation, Central Individual Credit Register, seizure protection
Outstanding balance insurance
Medical questionnaire, exclusions, premiums, claim procedure, mandatory vs optional
Guarantees & securities
Mortgage registration, mandates, personal guarantees, pledges, AIPP
Accounts & payment methods
Current accounts, basic banking service, SEPA, cards, fees, switching service
SME financing
Investment credit, cash credit, straight loans, public guarantees (Sowalfin/PMV)
Leasing & renting
Financial leasing, operational leasing, fleet management, tax treatment, residual value
Factoring & cash management
Factoring, invoice discounting, cash pooling, treasury optimization
Banking regulation
FSMA, NBB, MiFID, PSD2, anti-money laundering, KYC, consumer protection
Digital banking
Online banking, mobile payments, PSD2/open banking, fintech, digital identity
Use cases for your business
SME financing, investment credit, leasing, factoring — BANKWISE optimizes your business financing.
Investment financing
Find the right financing mix for business investments
Vehicle leasing
Compare leasing vs purchase for your company fleet
Optimize cash flow
Improve treasury management and working capital
SME factoring
Use factoring to improve cash flow and reduce payment delays
Bank guarantees
Understand and obtain bank guarantees for contracts and tenders
Coup de Pouce loan
Access subordinated loans from private individuals with tax benefits
Use cases for individuals
Mortgage, car loan, savings, over-indebtedness — BANKWISE guides you through your financial decisions.
Simulate a mortgage
Calculate borrowing capacity and monthly repayments for a property purchase
Refinance your loan
Evaluate whether refinancing your mortgage is worthwhile
Overcome over-indebtedness
Understand options for collective debt settlement and debt mediation
Choose your savings
Compare savings accounts and investment options in Belgium
Challenge bank fees
Dispute excessive or unjustified bank charges
First property purchase
Step-by-step guide for first-time buyers in Belgium
Discover the impact
A complete platform
More than a chatbot: professional tools to manage your business.
25 specialized AI agents
Each sector has its dedicated expert, trained in Belgian law and practices.
Smart chat
Contextual conversations with web search and document analysis.
Document vault
Secure storage with automatic AI analysis and deadline alerts.
AI meetings
Multi-agent meetings with automatic synthesis and PDF export.
AI document editor
Draft, correct and translate professional documents.
Regulatory monitoring
Automatic tracking of legal changes impacting your sector.
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