Automating Account Closure: From Manual Operations to Full Process Automation

Our banking client aimed to eliminate manual work and streamline the time-consuming account-closing process. We designed and implemented an automated system based on webMethods BPMS, replacing Excel- and SharePoint-based workflows with a unified digital solution that now handles account closures automatically from start to finish.

Technologies

webMethods BPMS, webMethods Integration Server, Application Platform (Software AG), Java, Spring Framework, AngularJS, CAF, Oracle Database

Client

One of the largest banks in Poland, with a majority of Polish capital. The bank serves individual customers, SMEs, local governments, housing communities, and large corporations, offering a comprehensive range of financial services. Known for its commitment to innovation, the bank continuously improves internal efficiency and customer service through digital transformation initiatives.

Challenge

The bank’s savings and current account closure process was entirely manual:

  • Data was tracked in Excel and shared through SharePoint, with employees manually performing each closing step on multiple screens.
  • The lack of automation made the process slow, error-prone, and difficult to monitor.
    The client needed a centralized system that would digitize the workflow, ensure data integrity, and ultimately automate the entire process to reduce time and manual effort.

Project journey

The project was executed in four stages, using an Agile approach with 2-week sprints. Each sprint delivered functional components ready for integration and testing within the bank’s environment.

Key steps included:

  • Migrating business operations from Excel and SharePoint into a centralized BPMS system.
  • Gradually automating process paths, moving from manual operations to full automation for standard account closures.
  • Implementing exception handling for non-standard or error cases.
  • Introducing a Case Management system for managing customer applications and enabling reporting and process monitoring.
  • Coordinating efforts between multiple teams — BPMS, ESB, and API — to ensure smooth integration of approximately 30 external services related to account management, customer data, and currency rates.
    By the final stage, the system could automatically close accounts end-to-end without user intervention, except in cases requiring manual review.

Results

  • Fully automated process for closing current and savings accounts.
  • Centralized and documented process management improving knowledge sharing and control.
  • Significant time savings through elimination of manual operations.
  • Reduced risk of human error, increasing accuracy and reliability.

See how we automated complex banking processes for one of Poland’s largest financial institutions

Discover how process orchestration, system integration, and multi-stage automation turned a manual, error-prone workflow into a fully digital solution.

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