Client

An insurance company, part of an international conglomerate and a leading insurer in Central and Eastern Europe.

Expectations

The client sought an IT tool/system that would enable agile, rapid, and independent implementation cycles of existing IT systems to respond to current business changes by modifying or creating new data flows between IT systems.

Project

The client initiated a business process optimization program, necessitating a tool to support both business and IT in implementing and optimizing new business processes. This tool needed to facilitate ongoing, agile changes, independent of the existing IT systems’ implementation cycle and release schedule. Following a thorough requirements analysis, the decision was made to implement a BPM platform with a DMN module, integrated with existing IT systems, particularly in the claims handling area.

Results

The implementation of a proprietary BPM class solution enabled agile process design, decision rule management, versioning, and integration with the client’s domain systems. The integration with existing IT systems, including the call center, claims handling, and policy systems, was facilitated by the platform’s built-in universal connectors. This allowed process optimization to occur outside the legacy systems, aligning with the project’s initial goals.

Client

A major financial institution, ranked among the top 5 banks in Poland, aiming to enhance the security of the account opening process.

Expectations

The client sought to increase security in the fundamental banking process of account opening, especially since many processes are conducted remotely without physical verification of the account owner. The goal was to verify the customer’s identity by matching data from identification documents with a ‘selfie’ photo taken during the process.

Project

The remote account opening process required balancing multiple expectations and stakeholders. The product and electronic banking departments aimed for maximum process simplification to improve conversion rates, while the risk, compliance, and security departments focused on maintaining the Bank’s security and stability. Customers demanded both innovation and simplicity alongside robust security measures. The Project Team proposed a ‘Selfie’ verification solution that met these diverse expectations. Leveraging their experience, the team efficiently integrated the Selfie component into the Bank’s environment and account opening process.

Results

Post-implementation, customers widely adopted the new functionality, significantly enhancing process security while maintaining a high level of customer experience. The new method eliminated the need for contract signing via couriers, greatly shortening the overall process duration.

Client

An insurance company, part of an international conglomerate and a leading insurer in Central and Eastern Europe.

Expectations

The client required an IT tool/system that would allow for agile, rapid, and independent implementation cycles of existing IT systems. This tool needed to respond to business changes by modifying or creating new data flows between IT systems.

Project

The client initiated a business process optimization program, which highlighted the need for a tool to support both business and IT in the implementation and optimization of newly established business processes. This tool was required to facilitate ongoing, agile changes independent of the existing IT systems’ implementation cycles and release schedules. Following a comprehensive requirements analysis, the decision was made to implement a BPM platform with a DMN module, integrated with existing IT systems, particularly in the area of claims handling.

Results

Finture delivered a proprietary BPM class solution, enabling the agile design of processes, decision rule management, versioning, and integration with the client’s domain systems. The integration with the client’s existing IT systems—including call center, claims handling, and policy systems—was streamlined by the platform’s built-in universal connectors. This allowed process optimization to occur outside legacy systems, aligning with the project’s original goals.

Client

A major financial institution, ranked among the top 5 banks in Poland, aiming to increase sales through remote channels.

Expectations

The client sought to boost revenue from the sale of additional products via remote channels and attract new customers to the Bank. Additionally, they aimed to fully automate the process to ensure appropriate margins for the delivered solution.

Project

To enhance its offer for individual clients in web and mobile channels, the client decided to launch the option of purchasing digital gift cards. The project involved multiple business units, including sales, e-banking, and various IT departments. The Project Team was tasked with developing a solution that allowed the introduction of new types of cards in a configurable manner, featuring dynamic amounts and settlement methods. This solution was successfully implemented in the production environment, meeting the client’s expectations regarding time, budget, and functionality.

Results

The implementation provided customers with a new functionality to easily and digitally purchase gift cards, favored for their convenience, ease of use, and safety. For the Bank, it generated a new income stream with minimal costs and risks. Additionally, this solution became a distinguishing feature for the Bank in the competitive market.

Client

A large organization with over 10,000 employees, including couriers, seeking to improve the automation of internal IT processes related to access management.

Expectations

The client required a solution to support internal IT processes, specifically for automating access management to IT resources, including inference, approval, and commissioning. Given the high employee turnover, the goal was to streamline processes, reduce service time, minimize errors, and enhance security by limiting access to the necessary minimum.

Project

Historically, the client prioritized business processes, delaying the automation of internal IT processes. However, frequent staff turnover and increasing security concerns elevated the priority of implementing an IT4IT solution. The project involved a comprehensive inventory of all processes and their execution methods, which was a significant challenge. The next step was to standardize processes and define necessary acceptance levels for commissioning. Finture provided improvements such as automated acceptance and renewal of permissions.

The implementation of a BPMS class tool (webMethods) enabled rapid response and process modifications. The solution was successfully integrated into the client’s infrastructure.

Results

The solution is widely used by the client’s employees for every change request related to permissions and access. The process allows for tracking the status and execution time of each order, leading to significant improvements in efficiency and security.

Client

A major financial institution, ranked among the top 5 banks in Poland, seeking increased automation in the area of credit instructions.

Expectations

The client aimed to enhance automation in issuing credit instructions to reduce operational costs. One key idea was to introduce the handling of instructions via the Internet channel.

Project

The client sought to meet growing market expectations for handling credit instructions, including:

• Early loan repayment
• Changing the account for loan repayment
• Suspending loan installments
• Extending the loan period
• Changing the repayment date

Previously submitted at the Bank’s branches, these instructions were made accessible through electronic and mobile banking channels. This move alleviated the burden on physical branches and provided customers with greater and easier access to these services. Following the launch of this functionality in 2020, after the COVID-19 pandemic, customers began massively submitting applications for installment suspension. The Design Team responded swiftly by automating the Backoffice, which managed 80% of basic cases.

Results

Post-implementation, customers widely adopted the new functionality, significantly reducing process handling costs and increasing sales volume. The introduction of a simplified credit risk assessment and omnichannel procedure greatly improved the customer experience.

Client

A major financial institution in the leasing industry, ranked among the top 5 lessors, aiming to boost motor insurance sales.

Expectations

The client sought to increase sales of insurance renewals and leases by enabling the online generation of competitive offers from various insurance companies.

Project

The project aimed to provide the client with the capability to offer online insurance. By analyzing client preferences, the system could generate tailored proposals to meet individual needs. The process was streamlined to allow easy tracking of status and further development.

Results

Post-implementation, the client gained the ability to offer online insurance, tailor proposals based on client preferences, and simplify the entire process. This not only facilitated tracking the status of each proposal but also allowed for ongoing process enhancements. This solution significantly improved efficiency and customer satisfaction, driving increased sales of insurance renewals and leases.

Client

A major financial institution, ranked among the top 5 banks in Poland, aiming to enhance efficiency in its business processes.

Expectations

The client serves large enterprises in the corporate sector, where each new client expects the swift launch of various accompanying products and individual services, as agreed with their dedicated advisor. The existing onboarding process, managed by the bank’s employees, was sub-optimal, involving numerous business units in an unstructured manner, making it difficult to monitor.

Project

The analytical work undertaken by the FINTURE team was divided into several stages. The initial stage involved a comprehensive inventory of processes related to onboarding new corporate clients. This effort identified 27 individual processes concerning intra-bank orders for specific products (such as multicash, electronic banking, payment cards, etc.) and the parameterization of accounts according to customer arrangements and expectations. Reviewing the AS-IS processes provided the basis for an in-depth analysis and the preparation of optimization maps for individual workflows.

Results

The final documentation included a set of recommendations from the FINTURE analytical team, highlighting process optimization points and TO-BE workflow diagrams. The outcome was a development roadmap for the IT systems involved in process flows, aimed at significantly improving efficiency and monitoring capabilities.