Automating the Online Instalment Loan Process for Individual Customers

Our client aimed to simplify and accelerate the instalment loan process for individual customers by creating a fully automated, online solution. The new process enabled customers to apply directly from partner store websites and receive fast credit decisions — all without visiting a branch.

Technologies

webMethods BPMS, webMethods Optimize, Java, Spring Boot, Oracle Database, JSF PrimeFaces, SOAP Services

Client

A universal bank operating in Poland for nearly 20 years, recognized as one of the country’s most recommended financial institutions. The bank serves retail, corporate, agricultural, SME, and consumer finance clients and is part of one of the 10 largest financial groups in the world, operating in 49 countries and serving over 52 million customers globally.

Challenge

The bank needed to automate and digitize the instalment loan sales process for individual customers. Previously, applying for a loan required manual steps and direct interaction with bank staff. The client wanted:

  • A seamless online loan application integrated with partner e-commerce websites.
  • Fast, fully digital onboarding, including identity verification via a small transfer (PLN 1).
  • Real-time monitoring of applications and decision-making through measurable KPIs.

The goal was to shorten the customer journey to 15 minutes and reduce the time to decision to under 3 minutes.

9

Team members

6 months

Project timeline

Project journey

The project was implemented using Agile and sprint-based delivery, with iterative analysis and development in close collaboration with other bank vendors.

Key steps included:

  • Designing and implementing an automated loan process on webMethods BPMS to orchestrate all services involved in loan application and approval.
  • Integrating webMethods Optimize to monitor KPIs such as application volume, approval rate, and process completion times.
  • Developing supporting applications in Java (Spring Boot) with data stored in Oracle DB.
  • Building the front-end using JSF PrimeFaces, providing a clear and user-friendly interface.
  • Enabling communication between services and users through SOAP-based integrations.
    The result was a fully digital loan application available on all partner store websites, enabling customers to complete the process end-to-end online.

Results

  • Automated online loan process available directly on partner e-commerce websites.
  • Reduced application steps to 4 and decision time to under 3 minutes.
  • Customer application completed in under 15 minutes, fully online.
  • Real-time KPI tracking to monitor efficiency and offer performance.

See how we helped a leading Polish bank digitize loan applications and speed up credit decisions

Discover how process automation, KPI-driven optimization, and seamless online integration reduced decision times to minutes and improved customer experience.

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