NachlassDialog provides a digital inheritance management platform for banks and insurers, guiding heirs through the probate process in the institution's branded interface. The software automates document handling, regulatory compliance, and status tracking while offering both digital and in-person service options. It integrates with existing core banking systems via interfaces or robotic process automation.
Funding
Funding not disclosed
Founders
Product
Problem
With demographic change, the number and complexity of inheritances are rising, often involving multiple bank accounts, insurance policies, and complex family situations. Heirs face long bureaucratic processes with little structure or transparency, while banks and insurers struggle with slow manual workflows, regulatory compliance risks, and the challenge of serving bereaved customers empathetically.
Solution
NachlassDialog offers a secure software platform for banks and insurers to handle probate proceedings digitally from start to finish. The solution begins when a death is reported and heirs are invited to register on the platform, where they can upload documents, track status, and communicate with the institution. Staff use a parallel portal to manage cases with checklists, automated documentation, and status tracking. The platform supports regulatory requirements such as money-laundering-compliant video identification and legally binding signatures, and can be flexibly combined with in-person branch services for older or less digitally-savvy customers.
Target Audience
Primary customers are banks, financial institutions, and insurance companies that handle inheritance cases and seek to digitize and streamline their probate workflows while improving customer experience for heirs.
Features
- Document management and extraction that collects key information from inheritance certificates and testaments while ensuring all heirs are considered
- Vorgangsmanagement (case management) with central case overview, checklists, documentation, and status handling
- Regulatory compliance including anti-money-laundering (geldwäschegesetz) compliant video identification and qualified electronic signatures (QES)
- Hybrid service model allowing switching between branch-based and digital processing for heirs with limited digital access
- Cloud hosting in German data centers via the fintus Cloud, certified according to ISO 27001
- Integration options with core banking systems via interfaces or robotic process automation (RPA)