- Banking
- Business process automation
Omnichannel credit card sales process with simplified risk assessment implementation
3 min
30 %
7 x
80 +
10 +
5 x
Challenge
80+ integrations, 7 departments, conflicting priorities – and a customer who expects a card in 3 minutes
The involvement of multiple business units with different priorities (customer experience vs. risk management) created the main organizational challenge. On the technical side, the goal was to integrate the sales process with the entire banking ecosystem – over 80 integration services, multiple vendors, diverse technologies, and heterogeneous data models.
Key Requirement
Project
A balance between risk and conversion – earned, not imposed
A result-oriented, professional approach enabled effective analytical work in a highly complex, multi-departmental environment.
A key achievement was the development of a simplified risk assessment model – a compromise between Digital Banking requirements (customer experience) and the Risk Department (banking stability). Early technical validation throughout the project significantly reduced integration risk across more than 80 services.
Solution
3 minutes from application to contract – immediate large-scale adoption after launch
Following implementation, bank customers rapidly began using the new functionality at scale – with 30% of credit card applications submitted via digital channels. The simplified risk assessment model combined with an omnichannel process directly contributed to increased sales volumes and reduced operational costs.
Key Decision
Results
3 min
30 %
7 x
80 +
10 +
5 x
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Client
Sector
Service
Technologies
Competencies
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Krzysztof Chyliński
Head of Advisory
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