OUTCOMES
Financing Decision
in 3 Minutes
Automated end-to-end process – from application submission to real-time credit decision.
Reduced
Time-to-Market
Flexible configuration of forms and leasing products allows rapid deployment of new offers.
20+ System
Integrations
The platform was integrated with over 20 systems without disrupting ongoing operations.
PROJECT
Our client – a large financial institution – approached us because it wanted to move its leasing portfolio online. The idea was to create a solution for two target groups: product providers (who might want to add leasing as a method of payment in their stores) and entrepreneurs (who might want to be able to tap convenient financing options at any time or place, and through any channel).
The project started with sales process automation in the partner channel (e-commerce); we then moved on to optimise the financing process in the physical channel and embed the leasing application process in the banking channel.
Our task was to design the architecture of the solution and develop the business requirements, as well as to test and maintain the system once it has been deployed. In our design, we focused on developing a dedicated interface that would allow new partners to be easily connected, which was the key aspect of the project.
PROJECT TIME
2020 – present
INDUSTRY
Leasing
COUNTRY
Poland
SERVICES AND SOLUTIONS
TECHNOLOGIES
Amazon Web Services
Apache Camel
Elasticsearc
Apache Kafka
Oracle
PrimeNG
Angular
HTML
HAProxy
Spring
Camunda
Our client is one of the largest financial institutions in Poland. For over 20 years, it has offered financing options such as leasing and loans to businesses and companies throughout the country. The financing has covered, e.g. vehicles, IT equipment, machines, devices and investment projects. Their clients include SMEs and the largest companies on the Polish market alike.
The new leasing solution had to meet several criteria:
Implementing a leasing project on such a scale was a challenge, but the entire process was efficiently managed, thanks in part to the use of components from our proprietary solutions – the Digital Banking Platform and the Digital Leasing Platform. Additionally, our previous experience working with the financial sector proved invaluable during the integration of the solution — we were able to avoid many difficulties, such as adding an insurance offer or implementing processes in online banking.
ACTIONS
Defining the needs of the bank, as well as their clients and business partners.
With a focus on maximising digital opportunities, we developed and implemented a dedicated leasing platform whose open microservices architecture uses REST APIs to easily communicate with internal and external systems, including partners. We took a low-code approach to the project, using the popular Camunda BPM platform as a workflow and decision automation engine.
The client’s leasing platform was equipped with modules and functionalities, allowing:
We also took care of the needs of the bank’s business partners, who can now launch their financing process in one of two ways: through a dedicated API or via plug-ins available for all the popular e-commerce platforms (PrestaShop, Magento, WordPress).