This development is also illustrated by the new study from the European AVM Alliance (EAA) and the European Mortgage Federation (EMF) on the “Use of Automated Valuation Models (AVMs) in Europe,” published on 15 May 2025.

Leading through technology

The study analysed data from 16 European countries. It shows: in ten countries — including Germany, Ireland and the UK — the use of AVMs has increased significantly in recent years. Not only has the volume grown, but the areas of application have also broadened.

A clear trend is that valuation processes are becoming increasingly data-driven, consistent and objective. The study makes clear that regulatory requirements — in particular the EBA guidelines and the new version of the Capital Requirements Regulation (CRR3) — have significantly contributed to the proliferation of AVMs.

With Accumate, you're on the cutting-edge

As an active member of the EAA, on-geo is involved early in regulatory processes and actively helps shape them. This gives us the opportunity to adapt our products to new requirements well in advance of their becoming mandatory for the market.

One example is Accumate: the EAA-certified AVM software gives financial institutions the ability to systematically and efficiently monitor their holdings, detect changes at an early stage, and reliably implement regulatory requirements for revaluation and risk monitoring. In addition, Accumate delivers property valuations and analyses in seconds with just one click. In doing so, it meets all requirements for transparency and verifiability, increasingly demanded by both national supervision and European regulations.

A trend with growing responsibility

The study on the use of AVMs in Europe clearly shows how much the industry is being transformed by digitalisation. As AVMs become more widespread, demands for transparency, documentation and traceability are also rising. Whereas in many countries sale prices serve as benchmarks, other markets—due to limited market data or regulatory reasons—rely on expert valuations. In collateral monitoring, AVMs are increasingly replacing the previously widespread house-price indices — in accordance with European requirements such as the recently amended CRR.

Given these demands and challenges, valuation models today must deliver more: they must be scalable, comply with regulatory requirements and be operationally efficient. At on-geo we not only understand these changes — we actively help shape them.