OUTCOMES
33% faster
process execution
Reusing bank data for authentication and pre-filling reduced processing time by one third.
Integrated leasing process
Connection with banking and insurance systems streamlined application handling and reduced client-side steps.
65% of operations automated
Digital solutions enabled automation of over 65% of previously manual tasks, improving efficiency and minimising the risk of errors.
PROJECT
We were hired for a project that would enable bank customers to start their car/IT equipment leasing application process directly in their banking app. The goal was to provide access to easy processing and authentication via the app, so that customers would not need to go through gateways or make any payments before the contract was duly processed. In addition, they would also be able to start their application process on partners’ websites and undergo authentication through the banking app.
We started by looking at business requirements and identifying the challenges of process integration with banking systems. Our main goal was to expand the offer available to the bank’s business customers and enable leasing application processing without the need for customer authentication through payment.
PROJECT TIME
2023
INDUSTRY
Leasing
COUNTRY
Poland
SERVICES AND SOLUTIONS
TECHNOLOGIES
Java
Apache Camel
Elasticsearch
Apache Kafka
Oracle
PrimeNG
Angular
HTML
Spring
Camunda
Our client is one of the largest financial institutions in Poland. For more than 20 years, it has provided finance services (leasing or loan) to companies and enterprises all over the country. It offers financing options for, e.g. vehicles, IT equipment, machines, electronic devices and investment projects. Its clients include both SMEs and the largest companies active in the Polish market.
The target leasing solution had to meet several key business requirements:
Delivering a leasing project of this scale was a challenge, but we managed to execute it smoothly, thanks in part to the use of components from our proprietary solutions — the Digital Product Centre and the Digital Leasing Platform.
In addition, our prior experience working with the financial sector proved invaluable during the solution integration — it helped us avoid many typical challenges, such as adding insurance offerings or implementing processes within electronic banking systems.
ACTIONS
Identifying the needs of the institution, as well as its customers and business partners.
We maximised the use of digital tools to create and develop the concept of the leasing application process. Some customer data are automatically uploaded to the application via the banking app. Application processing time was shortened by using the QES (the bank) or digital signatures (the leasing company) for identity verification. To aid this process, we employed the decision and workflow engine, Camunda BPM, along with our original Digital Leasing Platform.
The leasing platform that helped digitise the partner channel and allowed customers to start the process in their banking app contains the following features:
