So, what does the process look like? It consists of tasks for sales (Customer Advisor), risk (Antifraud, Credit Analyst, Credit Decider, Collateral Valuation) and operations (Credit Administration for Contracts and Credit Startup).

Flowee can be integrated with external databases such as BIK, BIG, MIG BR, MIG DZ, KRS, CEiDG, G2I, which enables automatic customer verification. As a result, the time to obtain the data necessary for creditworthiness assessment is significantly reduced.

To perform a credit analysis and creditworthiness assessment, it is no longer necessary to log into multiple systems separately. Flowee presents the credit analyst and decision-maker on one screen – all the essential financial data, ratios, and rating, in a clear and structured manner.

In Flowee, the credit process also includes setting and accepting pricing terms for a deal - generally treated as a separate process in other sales tools. With Flowee, the credit and sales processes are controlled in one place.

Flowee also allows for the integration of the credit administration area – a generator of credit agreements and insurance contracts can be used here, and the contracts prepared in this way can be sent for signature to any application responsible for the electronic signing of documents, e.g. Qualified Signature (Autenti). The loan activation itself also does not have to be a manual activity for accounting teams – it too can be a fully automated process, thanks to integration with the bank's central accounting system. Flowee can also integrate with AMRON to speed up property valuations and reporting.

Thanks to email notifications, we can notify participants of each new task assigned to a role in the process at each stage of the process. Any participant in the process carrying out his task can request a so-called "consultation" - for example, to the legal department or the translation team. And he will do it without interrupting his work - ordering a consultation does not block the task. Notification of the response from the department being consulted will allow him to complete the task based on the material or data provided in the consultation. dzięki notyfikacjom mailowym. Każdy uczestnik procesu realizujący swoje zadanie może zlecić tzw. „konsultację” – np. do działu prawnego czy zespołu tłumaczy. I zrobi to bez przerywania swojej pracy – zlecenie konsultacji nie blokuje zadania. Powiadomienie o odpowiedzi z zapytanego o konsultację departamentu pozwoli dokończyć zadanie w oparciu o dostarczone materiały czy dane. 

Each task has a background calculation of completion time, which makes Flowee an excellent tool for measuring and analyzing the completion time of individual tasks and entire E2E processes. This allows for the optimization of processes, identifying their bottlenecks and, as a result, gaining strategic advantage by reducing Time-to-Market (TTM), Time-to-Decision (TTD), Time-to-Agreement (TTA), and Time-to-Cash.