Automation of credit limit application

The client decided to expand their market offering by enabling the sale of credit products (such as revolving credit lines and overdraft facilities) via web and mobile platforms, while also embracing an omnichannel sales approach (starting the process in one channel and completing it in another). In addition to the challenges already described in the credit card application initiative, products like credit limits or account overdrafts introduced new complexities. These included a broad product range and the need to support existing products, including those migrated from other banks. A results-focused approach allowed the project team to consistently move in the direction expected by the client.

Thanks to the establishment of a shared goal with the client, the project team was able to significantly simplify the processes while still accommodating special cases (e.g., complex income sources). Integration with the bank’s environment (involving over 100 integration services) posed a challenge, but technical verification carried out from the beginning of the project helped mitigate this risk early on.