- Banking
- Business process automation
End-to-end digitalization of the corporate lending process with complete elimination of paper and email workflows
5 mo
72 x
62 x
10 x
13 x
Challenge
Paper, email, and manual document exchange in a modern bank
The corporate lending process relied heavily on paper-based documentation and email communication. The project objectives were ambitious: achieve full end-to-end digitalization, reduce both Time-to-Decision and Time-to-Market, eliminate email as a communication channel, ensure a high level of security, and integrate seamlessly with core banking systems and internal databases – all within just five months.
Key Requirement
Project
Flowee as the Foundation – process modeling, forms, and decision rules
The solution was built on Flowee, Finture’s proprietary BPM platform. Choosing Flowee addressed two critical project challenges: the need to coordinate requirements across multiple banking departments (Product, Sales, Risk, and Back Office) and the extremely tight delivery timeline. Flowee enables incremental prototyping and continuous expansion of functionality, allowing process changes, new forms, and decision rule updates to be implemented without a full development cycle.
To accelerate delivery, the project was divided into independent workstreams aligned with individual business units, enabling parallel execution and ensuring the deadline was met.
The implemented workflow covered the entire corporate credit application lifecycle:
- Initiation – A relationship manager starts the process within the bank’s internal system, and the corporate client receives a notification through the customer portal.
- Customer completion – The client provides required information, uploads supporting documents (such as financial statements), and electronically signs the application.
- Verification and analysis – Automatic validation, task assignment to specialists, and integrations with external credit and debt verification services.
- Credit decision – The customer receives the decision through the portal, with additional follow-up tasks generated when required.
- Finalization – Contract signing and secure access to all documentation through the customer portal.
Solution
13 processes, 72 forms, zero emails – delivered in 5 months
Finture delivered a complete workflow system for VeloBank, covering 13 processes, 72 forms, 62 manual tasks, and 10 business rules. Corporate clients now manage the entire credit journey electronically – from application to contract – through an intuitive customer portal. The bank gained a solution that enables rapid rollout of new credit products without requiring core system redevelopment.
Key Decision
Results
5 mo
72 x
62 x
10 x
13 x
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Case study
Business process automation in Insurance
Deployment of a BPM platform with DMN enabling agile process changes independent of legacy system release cycles.
Service
Business process automation
We deliver complete end-to-end credit workflows – from customer portal and e-signature to integration with internal banking systems and credit bureaus.
Service
Business process inventory and analysis
We map and digitize complex cross-departmental processes, delivering ready-to-implement workflows aligned with sales, risk, and back-office requirements.
The optimal tool
for process automation
Velo x Flowee
Flowee in practice – see what our client has to say!
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Krzysztof Chyliński
Head of Advisory
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