- Lead applications – effective conversion of potential customers.
- Current account application – quick online registration.
- Business account application – digital banking for SMEs.
- Sole proprietorship account opening – the possibility to establish a business and open an account simultaneously.
Altkom
Digital Banking Platform
A low-code platform for designing, automating, and evolving digital banking processes across the entire customer lifecycle—from onboarding and product sales to post-sales service and day-to-day financial management. It complements the existing bank architecture by connecting sales, service, and integration processes within a single, coherent layer.
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4× faster offer management
across sales systems -
Up to 80% lower acquisition costs
through automation -
Fully digital processes,
no paper and no wet signatures -
Up to 10× lower back-office costs
with automation and AI
CHALLENGES
What do you want to achieve with your banking platform?
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Effective lead acquisition and management. I want to manage leads more effectively through personalization, intelligent scoring, and full visibility of the process—from first contact to customer decision.
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Agile product and offer management. I want to configure products and promotions independently, respond to market changes in real time, and shorten the rollout of new offers.
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Simple and consistent customer processes. I want to streamline digital applications, enable automatic data prefill and validation, and deliver a seamless omnichannel experience at every stage.
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Efficient post-sales operations. I want to automate processes, leverage AI and analytics, and handle customer service digitally, without paper or delays.
SOLUTION
Altkom Digital Banking Platform
Fintechs and neobanks launch new features every 2–4 weeks. In traditional banks, the same process often takes 4–6 months. Our platform helps close this gap by enabling flexible product rollout without rebuilding existing systems. Fintech-level agility with bank-grade scale and security.
With Altkom Digital Banking Platform, you can build modern customer journeys without costly modernization programs and with limited involvement from IT teams.
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Retail and corporate banking
One platform supporting both areas through shared processes and a common architecture.
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Fast time-to-market
Low-code configuration and modification of banking products without long or costly implementation cycles.
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Omnichannel and Conversational UI
Consistent customer interactions across digital channels, chat, and voice, with natural, context-aware personalization.
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Financial services ecosystem
Open APIs enabling the integration and development of external services within the bank’s ecosystem.
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End-to-end process automation
Digital application handling, data validation, and integrations with registers and core banking systems within a single process.
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Full document digitization
Electronic agreements, e-signatures, and automated document verification—no paper, no manual handling.
DBP CAPABILITIES
Comprehensive handling of banking applications along with the entire process
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- Deposits – quick online deposit creation,
- Credit cards – apply for a credit card in a few clicks.
- Bank accounts – opening current, savings, foreign currency and children’s accounts.
- Loans – cash, revolving, consolidation, mortgage and instalment loans.
- Brokerage account – investing without unnecessary formalities.
- IKE/IKZE – fast handling of pension products,
- Investment funds – agreements for receiving and transmitting orders.
- Working capital loans for SMEs – financing for companies available online.
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- Password reset – quick and secure login data change.
- Changing credit card limits – real-time adjustment.
- Customer data update – changing ID, linked account.
- Customer recertification – data verification in accordance with regulations.
- Generic signature – online document authorisation.
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- Password reset – quick and secure login data change.
- Changing credit card limits – real-time adjustment.
- Customer data update – changing ID, linked account.
- Customer recertification – data verification in accordance with regulations.
- Generic signature – online document authorisation.
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- 500+/800+ – automated submission.
- 300+ – funding for students in one place.
- Family Care Capital – convenient application for financial support.
- Childcare subsidy – a quick process with no unnecessary paperwork.
- PFR Financial Shields – application and redemption for entrepreneurs.
OFFER
Select your area of interest and see how our platform can support your bank’s growth
Portals
Modern banking portals tailored to different user groups, providing intuitive operation and quick access to key functions.
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Sales Portal
For bank employees – enables application submission, status monitoring, and sales process optimisation.
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Partner Portal
For intermediaries and cooperating institutions – it allows creating sales offers, handling financial applications and tracking loan decisions.
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Electronic banking
A self-service online space providing access to banking products, documents and additional services 24/7.
Product Factory
Flexible creation and management of banking offers.
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Product Offer Factory
Intuitive design and modification of financial offers using a visual configuration tool.
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Product Catalog Extentions
A centralised product and service database, ensuring consistent and convenient banking offer updates.
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Score Engine
Automated risk modelling and loan decision-making based on flexibly defined rules.
Process Center
Full control over banking processes, their management and optimisation.
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Process Library
A collection of ready-to-use processes enabling quick implementation and standardisation of operational activities.
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Workflow Engine
Automated execution and orchestration of banking processes according to established business rules.
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Easyform Builder
Creation and management of dynamic forms adapted to different banking processes.
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Process Desinger
Designing, optimising and automating business processes using an intuitive visual editor.
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Easydoc Builder
Creation, management and automation of banking document generation.
AI Center
Advanced artificial intelligence supporting the automation and optimisation of business processes.
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Classi AI OCR
Automated document classification and text recognition (OCR) to speed up data processing and eliminate manual work.
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AI LeadBoost
Intelligent analysis and scoring of potential customers, increasing sales effectiveness.
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AI Knowledge Base
A self-learning knowledge base for quick access to information and automated responses to customer enquiries.
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Banking Assist
Automation of standard banking processes, speeding up customer service and reducing operational costs.
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Senti AI
Customer sentiment analysis based on voice and text, supporting improved service quality and personalised interaction.
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AI Lead Generator
Automatic search and acquisition of potential customers based on data analysis and user behaviour.
Tools
A set of tools supporting the efficiency and automation of banking processes.
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Co-browsing
Shared screen review with the customer in real time, supporting the completion of the application process.
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e-Signature
Secure and fast electronic document signing, eliminating paper documentation and reducing the time of operations.
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Business Activity Monitoring
Access to the current status of the application and submitted customer data – in real time. Identification of bottlenecks and overloads in the process.
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Analyses
Advanced analytics for financial, sales and operational data, supporting business decision-making.
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KYC
Customer identity verification and risk assessment based on data from 60 sources.
IMPLEMENTATION
New banking products – faster than ever
The Digital Banking Platform eliminates technological and operational barriers, enabling the rapid introduction and modification of financial products. With flexible configuration, you can test, scale and adapt your offer in real time, responding to your customers’ needs in days, not months.
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1 – 2 days
for changing offer parameters (e.g. interest rate, credit period).
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1 week
for standard products (e.g. mortgages, cash loans).
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1 month
for complex products (e.g. mortgage loan with insurance).
PARTNERSHIP
Experience the system in practice
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Demo
Make an appointment to demo the system and speak to our expert.
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Workshop
Share all your needs and expectations during the workshops.
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Offer
Receive the offer and decide if Digital Banking Platform is the right solution for you.
Filip Wachowiak
Business Development Manager
BENEFITS
Why is it worth it?
As shown by Deloitte’s “Digital Banking Maturity 2024” research, digital banking leaders are distinguished by several key aspects. Find out how the Digital Banking Platform addresses the challenges of modern banking and supports innovation in the financial sector.
85% of digital leaders allow accounts and financial products to be opened remotely, eliminating the need to visit a branch.
The DBP allows for full digitisation of the application process – from the application submission to digital signature.
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