stoEr is a service provider that digitalises banks’ mortgage processes, and streamlines the entire flow from user interface to IT operations. The solution – the first of its kind in the Swedish mortgage market – makes possible for banks to meet their customers where they spend most of their time and money – online. stoEr’s solution allows the banks’ customers easy and quick handling of their mortgage using mobile, tablet or computer; individualised mortgage offers – and application approved – in less than one minute! Mortgage as an e-service improves user experience and level of service, speeds up response times and streamlines the bank’s processes. Furthermore, by moving the mortgage market online, banks are able to attract new customers. stoEr’s “Mortgage-as-a-Service” solution releases mortgage processing from the bank’s legacy IT systems environment. In addition, the digital infrastructure and service platform are continuously updated in line with new legal requirements, directives and regulations. stoEr brings together a unique mix of specialist expertise in banking and IT, with experience in the development of digital solutions for payments, e-commerce and financial services. stoEr also has in-house legal specialists in the national and international regulations of the banking and finance sector.