Business Automation: Cash Loan Application Process for Individual Customers

Our banking client aimed to automate and simplify the cash loan application process for individual customers. We designed and implemented a digital “One-Click Loan” system that enables customers to apply for and receive a decision online or via mobile — quickly, securely, and without visiting a branch.

Technologies

webMethods BPMS, webMethods ESB, JMS / Universal Messaging, SOAP, Oracle Database, Java, Spring Boot

Duration

12 months

Client

A major international universal bank operating in Poland, offering a wide range of financial services including personal banking, loans, leasing, investments, and insurance.
Recognized as one of Poland’s most innovative banks, it continues to lead digital transformation by adopting solutions that enhance efficiency, security, and user experience across online and mobile channels.

Challenge

The bank wanted to automate the cash loan application process to make it fully digital, fast, and customer-friendly.

The goal was to deliver:

  • A “One-Click Loan” process accessible via mobile and web applications.
  • End-to-end automation — from application submission to decision — without requiring customer visits.
  • A reliable, measurable process with advanced monitoring and error recovery capabilities.

8

Team members

12 months

Project timeline

Project journey

Following initial workshops, our team conducted a comprehensive system analysis to design and implement an optimized loan application process.

Key steps included:

  • Design and implementation of the full loan workflow using webMethods BPMS, ensuring process automation and traceability.
  • Integration of banking services via the webMethods ESB (Enterprise Service Bus), enabling efficient error handling, KPI tracking, and process recovery.
  • Connection with internal systems (e.g. customer abandonment notifications, marketing campaign triggers) through JMS queues using webMethods Universal Messaging.
  • Development of supporting applications in Java (Spring Boot) and storage of customer applications in Oracle Database.
  • SOAP-based communication layer between the user interface and business process layer, ensuring secure and consistent interactions.

Results

  • Fully automated online loan application process accessible from web and mobile apps.
  • Improved customer experience through the “One-Click Loan” approach.
  • Enhanced operational insight with real-time KPI tracking and process monitoring.
  • Increased efficiency through integrated, recoverable, and scalable process automation.

See how we helped automate loan applications for one of Poland’s leading banks

Discover how process automation, system integration, and real-time monitoring transformed the “One-Click Loan” into a seamless digital experience.

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