IT solutions for leasing
Leasing process automation – from application to insurance renewal
Leasing process automation – from application to insurance renewal
Replace manual activities throughout the leasing contract lifecycle with processes executed by a BPMS engine integrated with the leasing company’s systems, insurers and external registries.
5 areas
of leasing processes ready for automation
TOP 5
leasing company for which we implemented insurance sales automation
BPMN 2.0
processes modeled and modified by the business
Leasing process automation
What is leasing process automation?
What is leasing process automation
Leasing process automation means replacing manual activities throughout the leasing contract lifecycle with processes executed by a BPMS engine.
- Application and risk scoring
- Insurance sales
- Contract approval and signing
- Policy renewals
The engine integrates with the leasing company’s systems, insurers and external registries. Well-designed automation shortens application processing times, reduces manual operational work and unlocks new revenue streams – such as high-volume sales and renewals of insurance policies for leased assets.
Finture delivers these solutions for financial institutions in Poland
For a top-five leasing company in the Polish market, we built a system for automated motor insurance sales and renewals.
The system queries multiple insurers online and presents comparable offers in a regulatory-compliant format.
Automation scope
Which leasing processes can be automated?
In a typical leasing company, automation can cover five key areas. The greatest returns usually come from high-volume, repetitive processessuch as policy renewals, contract-related requests and application processing through partner channels.
1
Application & Customer onboarding
2
Scoring & Leasing decision
3
Contract servicing – from framework agreements to post-sale requests and instructions
4
Insurance sales & Renewals for leased assets
5
Contract closure & Buyout
Application & Scoring
Data pulled directly from registries, decisions based on business rules.
- Retrieving data from business databases and government registers
- Feeding the scoring model without manual data entry
- Automated or analyst-assisted paths – business teams change the rules, not IT
Framework agreements & Contract requests
High volume, low complexity per case – an ideal candidate for automation.
- Framework agreements with corporate clients
- Assignments, schedule changes and early termination
- Full automation with exception handling and escalation to a human
Insurance sales & renewals
The process with the greatest revenue leverage.
- Parallel API queries to multiple insurers
- Comparable offers at the point of contract
- Mass renewals without manual employee involvement
Manual vs. Automated
What does the leasing process look like
before and after automation?
What does the leasing process look like prbefore and after automation?
Phase of
Manual process
Automated process (BPMS)
Application
Form + manual data entry into multiple systems
Data retrieved directly from registries, with validation at the source
Scoring & decision
Analyst collects data from multiple systems
Automated scoring; only exceptions are routed to an analyst
Insurance
Offer from a single insurer or an external broker
Parallel API queries to multiple insurers, with comparable offers
Policy renewals
Manual lists and reminders – handled when the team has capacity
Mass policy renewal process with automated communication
Contract requests
Email-based workflow, with statuses tracked in spreadsheets
Workflow with full status visibility and SLA monitoring
Case study
How does automated insurance sales work in leasing?
Multiple insurers at once
The system queries multiple insurance companies online for available offers.
Comparable presentation
Despite differences in offer structures, quotes are presented in a comparable format that meets regulatory requirements.
BPM + microservices
New insurers and motor insurance risks can be configured without rebuilding the system.
3 min
offer preparation time from customer application
5 +
insurance companies integrated
50 +
integration services
10 +
integrated systems
- Banking · Leasing
TOP 5 leasing company in Poland
For a TOP 5 leasing company in the Polish market, Finture built a solution designed to increase the sales and renewal of motor insurance policies for leased vehicles.
The system queries multiple insurance companies online for available offers and, despite differences in their structures, presents them in a porównywalny, comparable format that meets regulatory requirements.
An architecture based on a BPM engine and microservices i mikroserwisy makes it possible to add new insurers and configure motor insurance risks without rebuilding the system.
Technologies
What technologies
power leasing process automation?
At the core of leasing process automation is a BPMS (Business Process Management System) that executes processes modeled in BPMN 2.0 and integrates the lessor’s systems through APIs. Finture uses Flowee BPMS – a Camunda 7 fork developed by Finture – together with a microservices architecture. This makes it possible to connect new processes with existing systems, including legacy solutions built with Delphi, VB6, or older Java EE, without replacing them.
Flowee BPMS
Developed by Finture as a fork of Camunda 7
Microservices
New processes alongside existing systems
Legacy-friendly
Delphi, VB6, older Java EE - without replacement
Integrations leasing operations depend on
External registries and databases
Customer and asset verification during the application process
Insurer APIs and UFG
Quotes, policies, and coverage verification
Accounting and core systems
Consistent contract data throughout the entire lifecycle
Partner platforms (dealers, vendors)
Application workflow across the sales channel
Regulatory Compliance
Solutions for the financial sector must meet KNF requirements and the DORA regulation.
BPMS-based process automation supports compliance by design: every process has a full audit trail, explicitly defined decision rules, and measurable SLAs.
- KNF
- DORA
- Audit trail
- SLA monitoring
- BPMN 2.0
First step
Where should you start
with leasing process automation?
The best starting point is a high-volume process with a measurable cost of manual handling – most often policy renewals or contract requests. A pilot on a single process lets you validate integrations, measure the actual return on investment, and build internal support before automating additional areas.
01
Workshop
A workshop where we jointly map the process using BPMN 2.0.
02
Process selection
Identify the activities to automate and the decision points that should remain with people.
03
Pilot
A pilot focused on a single process – measuring the actual return before scaling.
04
Scaling
Expand automation to additional areas: applications, framework agreements, contract requests, and buyouts.
FAQ
Frequently asked questions
Leasing process automation: questions and answers
What is leasing process automation?
Leasing process automation means executing key activities throughout the leasing contract lifecycle – including applications, scoring, contract servicing, insurance sales, and policy renewals – through a BPMS process engine integrated with the company’s existing systems, instead of relying on manual work. People handle exceptions and non-standard decisions rather than every individual case.
Does automation require replacing the leasing system?
No. A BPMS engine acts as a process layer on top of existing systems, including legacy solutions, and communicates with them through APIs or dedicated integrations. Replacing the core system is not a prerequisite for getting started. In many cases, the first step is to automate processes around the existing system.
How can automation increase insurance sales for leased assets?
The leasing system already contains the required customer and asset data. This allows the automation layer to request quotes from multiple insurers via API and present them in a comparable format when the contract is signed and at every renewal. The lessor can sell insurance without relying on external intermediaries, while automated mass renewals help retain the portfolio without additional workload for the team.
Ile trwa wdrożenie automatyzacji pierwszego procesu?
[DO UZUPEŁNIENIA: realne widełki z projektów Finture – np. zakres pilotażu w tygodniach/miesiącach.]
Nie publikować bez potwierdzenia z zespołem delivery.
Are automated leasing processes compliant with KNF and DORA requirements?
Yes – provided that the process platform offers an audit trail, access controls, and measurable operational performance. BPMS processes use explicitly defined business rules and maintain a complete execution history, making it easier to demonstrate compliance with KNF requirements and DORA’s digital operational resilience requirements.
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Get in touch
Let’s talk about your processes
If you manage operations or IT at a leasing company and want to understand the true cost of manually handling policy renewals or contract requests, book a free process workshop with Finture experts. In one hour, we’ll map a single process and show you where automation can deliver the fastest return.
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