Public procurement notice: Prior Information Notice Without Call For Competition
Published: 2021-05-07
Buyer: Statens Pensjonskasse Forvaltningsbedrift
Country: NO
Contract type: Services
CPV classification: 48000000 | 48400000 | 48442000 | 48800000 | 48812000: Financial information systems

Technical requirements: In connection with evaluation of alternative concepts for replacement of our loan management system connected with housing loans, Statens pensjonskasse (Norwegian Public Service Pension Fund) (SPK) will publish this market survey. The purpose of this survey and a possible future procurement is to ensure the best possible framework conditions on the system side for loan applications and management. We want to get a better overview of the supplier market, specifically to map possible suppliers of solution offering the necessary functionality and simultaneously correctly tailored system support for our business. We primarily want information about suppliers and solutions that can support the entire loan process (application and management), but we are also curious about solutions that safeguard parts of the process.
SPK manages the housing loan scheme on behalf of the state. This is a contract for state employees who are connected to the Main Tariff Agreement. SPK's members and pensioners can apply for housing loans of up to NOK 2 300 000 with security in their own home. We grant loans to purchase housing, refinancing and loans for renovation of their own housing. In addition, SPK manages loan schemes for both members in the pension scheme for pharmacy activity and Jernbanen’s (railway) pension fund. Separate terms apply for these schemes.
SPK has approx. 300 000 active members and in addition 300 000 members who receive a pension from us. Currently, approx. 39 000 use the loan scheme and the the total loan portfolio is approx. NOK 40 000 000 000. The number of new loan applications processed annually varies from 5 000 to 15 000.
The loan section currently consists of 17 employees who work both with application processing and loan management. The section also work closely with other department such as call centres, finance and accounting.
SPK's loan system currently consists of a part for application processing and a part for management of the loan portfolio, hereunder ongoing changes to loans, deposits and withdrawals and reconciliation with our accounts department.
In addition to the loan system, the loan section also uses multiple other systems specifically related to loan applications. These are largely external systems within credit information, registration, invoicing and payment, property value estimation, property information, electronic signing and archiving, public contact register, debt collection and SPK's own pension system.
The loan system will safeguard the user needs in a good manner. The users are defined as loan-takers/members, but also internal case processors and managers, management and finance/accounting. The loan system should as a minimum cover the following functions:
The loan system must have the possibility of an interface to relevant external and internal systems. The most automated processes possible are also desired in order to avoid unnecessary manual work and reduce the risk of errors. This includes consent-based solutions.
SPK uses common and modern off-the-shelf applications for joint and support services organisation-wide and follows the supplier recommended update plan for these. We are highly focused on security, and have a strict access regime. We gladly choose cloud services. Installations on local clients are controlled by automated central distribution. We require a well-functioning and easily accessible user support from all our external partners.
As a government management company, SPK has clearly defined cost efficiency requirements. SPK shall secure competitive loan products for its members without inflicting unnecessary costs on either them or us. In our evaluation of cost/benefit for IT system support includes the size of funds for management, and the number of employees in the Loan Section are also included as important factors.
We encourage suppliers that provide IT support services that match our needs to respond to this market survey. This applies whether or not the tenderer can deliver a solution that covers the entire described process, or only parts of it. We kindly ask that suppliers describe their systems relative to the requirements we describe and preferably state experience from comparable deliveries. Furthermore, we would like suppliers to state a rough cost level for the recommended solution (non-binding). We will treat all replies and cost estimates as confidential. The reply must be in Norwegian or English. Tenderers are otherwise free to formulate their reply.