Sprzedaż produktów bankowych
Zautomatyzowaliśmy ponad 30 procesów bankowych w BNP Paribas, przyspieszając sprzedaż produktów bankowych oraz cyfrową obsługę…
10-fold increase in loan sales thanks to automation of the decision-making process
OUTCOMES
Results of partnership
Decision-driven
analytics
Access to user data enabled continuous improvement of the application form and increased process efficiency.
Sales volume
growth
More than a tenfold increase in credit approvals following process optimisation and automation deployment.
Conversion risk
management
Real-time monitoring and recovery of abandoned credit applications within the digital journey.
PROJECT
Genesis and business expectations
The project focused on the design and implementation of an online credit application solution, integrated with e-commerce platforms and supporting the financing of consumer purchases. The Polish branch of a global consumer bank approached Altkom Software with a request to deliver a comprehensive solution based on Camunda technology.
The delivered platform was built on Altkom’s proprietary product – the Digital Banking Platform – which leverages Camunda as its core process engine. This approach enabled significantly faster and more efficient management of process automation, as well as accelerated deployment of new functionalities.
PROJECT TIME
2019 – present
INDUSTRY
Banking
COUNTRY
Poland
SERVICES AND SOLUTIONS
TECHNOLOGIES
Camunda
Angular
Java
Oracle
Elasticsearch
OpenShift
Apache Kafka
Apache Camel
The client
Who have we helped?
Our client is a leading consumer finance company with a presence in 16 European countries. More than 14,500 employees provide financial products and services to 18 million customers at 130,000 points of business partners.
REQUIREMENTS
Business challenges
The client identified several strategic areas for optimisation:
- Streamlining sales processes for instalment loans and cash loan servicing in the online channel;
- Reducing the involvement of the Call Centre team in the execution of sales processes;
- The ability to quickly implement a new product – a cash loan – available to both existing and new customers;
- Capturing data on users who have abandoned the application process for further analysis and optimisation of the conversion path.
ACTIONS
Project execution process
Analysis of system requirements for two independent solutions: an instalment loan application system and a cash loan application system.
SOLUTION
Scope and delivery model
- The Digital Banking Platform was integrated with the banking systems via a dedicated user login service.
- The use of the Service Bus service made it possible to receive data from the scoring and decision engine, to handle communication with the customer (SMS, e-mail) and to confirm the status of payments used for identity verification.
- Process management was carried out using the Camunda engine.
- The use of a modular and scalable architecture enabled the Digital Banking Platform to be adapted to the bank’s dynamically changing business needs in an efficient and timely manner.
