Banking CRM and Data Management

With over 20 years track record, Horizon enables blue-chip companies and financial institutions to seize new market opportunities quickly and easily, with our web-based and mobile applications for loan issuance and management, mortgage, insurance, credit card services and loyalty management. In addition to that, they can easily expand their market outreach providing option to their intermediaries and agents to adopt a white labelling model.

We aggregate data from internal and third party systems with Social Media and Big Data to allow organisations to unlock sentiment and contact insights from both social media channels and internal, company owned resources and legacy systems.


HSS provides proven and affordable CRM software solutions for the mortgage market. Its iClarity Framework addresses specific mortgage lifecycle needs, whilst integrating the sales, origination and decision-making processes with all front and back-office procedures to condense the mortgage process into minutes rather than weeks.

A ground-breaking technology, it became a blueprint for the industry and drew recognition in the form of two Gold Standard Mortgage Strategy Technology Service Awards.

Loan Origination

iClarity can be optimised for the design, build and deployment of complete solutions for credit card and loan origination systems, providing management of data capture, access to credit reference agencies, decisioning systems and applying process to offer and completion.

The HSS team has a long track record of developing and delivering loan origination and CRM systems for some of the world’s leading finance institutions, including Barclaycard, Capital One Bank, First Direct Bank and Bank of Scotland.

Key features of HSS loan origination technology solutions, powered by iClarity, include:

  Delivery of products and services directly to customers, through intermediaries or call centre, web, chat and e-mail channels

  A web based front-end to ensure customers can apply, receive a decision and print their documents over the web with no operator intervention

  A seamless intermediaries channel, enabled by the iClarity capability for white labelled portals and a scalable architecture that enables integration with existing intermediary systems


HSS provides proven and affordable software solutions for the insurance market. Its iClarity Framework addresses specific lifecycle needs for traditional insurance, direct insurance and intermediaries, whilst integrating the sales, origination and decision-making processes with all front and back-office procedures.

The HSS team has been involved in the development and deployment of a number of ground breaking solutions for the insurance market, including a market leading web-based CRM solution for MORE TH>N, and the entire technology infrastructure underpinning the revolutionary HealthFund medical insurance provider.

HSS solutions combine infinitely customisable, ready-made components for key business processes, including:

  User, groups, intermediaries, policy, product web administration

  Customer relationship and case management

  Workflow and task management

  Calculation engine (e.g. Quotes, Fees, Payments, Interests)

  FSA compliant KFI Suite

  Billing, payments and fund management

  Document management (generation, scanning and online uploading)

  Communication channel (emails, chat, SMS and letters)

  Third party system integration (QAS, Bank Wizard, banking, accounting and back office software, sourcing systems, decisioning engines)

  On-line help and chat facilities

  Claims, underwriting

  Management information

  Integrated content management

If you have any questions about iClarity banking CRM solutions please contact:

Sir Richard Heygate, CRM Director,       Email:

Vesselin Vassilev, CEO,         Email: