- Banking
- Business process automation
Implementation of omnichannel credit limit and overdraft sales via web and mobile channels
3 M
40 %
7 x
40 +
5 +
5 x
Challenge
Complex product offering, legacy-migrated products, and omnichannel requirements
Unlike simple credit products, revolving credit limits and overdrafts require handling a wide range of product variants – including offerings migrated from other banks. Additionally, complex income source validation and integration with the banking ecosystem (100+ integration services) created significant technical and architectural challenges.
Key Requirement
Project
Shared goal as a guiding principle – simplifying the process while supporting edge cases
Defining a shared objective with the client enabled the team to significantly simplify the main process flow while still supporting complex scenarios, such as non-standard income sources.
Continuous technical validation from the earliest stages of the project allowed for ongoing mitigation of integration risks across more than 40 integration services and 5+ internal systems.
Solution
Online activation of additional credit funds – for 3M users
The implementation enabled bank customers to activate credit limits and overdrafts online across five access channels. The omnichannel approach gave customers full flexibility in choosing their preferred journey, while providing the bank with a scalable tool for customer acquisition and increased sales volume.
Key Decision
Results
3 M
40 %
7 x
40 +
5 +
5 x
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Client
Sector
Service
Technologies
Competencies
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Krzysztof Chyliński
Head of Advisory
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