Case Study #1

Web Application for the Workflow-based Automated Processing of Credit Card Applications

Benefits for the customer
  • 75% of the appications are now running over the new system.
  • Cost saving of at least 35% in the field of the application processing.
  • Time saving of at least 33% compared to the time needed previously for the processing completion of newly arrived credit card applications.
  • Minimal time-to-market, since the initial system has been in place within 7 months from order date and since then tunings/adaptations dictated by market changes are gradually delivered within development cycles of 2 to 3 months.
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Benefits for the user or team
  • Location independence: Regardless of whether the user is located at the main-, the regional- or the home-office, the web-based application is always accessible via an Internet Browser.
  • Zero training: The application is self-explanatory and user-friendly because it always proposes automatically the next possible processing steps in a consistent way.
  • No paper: The online application processing has made paperless processing a major relief for the team.
  • No system breaks: System breaks are avoided since the users use a single user interface all the way beginning from the capturing of the application data throughout the entire solvency check and approval process cycle until the establishment of the new customer, the embossing of the credit cards and the automatic archiving of the contract-related documents.
  • Auditability: The application supports auditable tracking and adherence of the organizational structure of the customer’s company, i.e. the user actions are recorded and internal rules of competences can be easily configured in a way it is guaranteed that users access only functions being allowed on the granted authorization level.

Content of the project; what is the application doing?
  • The main goal of the project was the conversion of the processing for credit card applications submitted in approx. 15 different countries from manual paper work to a web-based automated solution.
  • The application always proposes automatically the next possible processing steps.
  • The application is also communicating with third party systems being in-house or outside the customer’s premises; for example with creditworthiness reporting systems of credit agencies, card embossing systems, etc.
  • The application is designed modular in a way that new or changed requirements can be added at any time. For example new steps may be easily added and existing steps may be removed to/from the processing workflow as well as user rights may be adapted according to user competences to perform certain functions.

Technology behind
The application is built on the ULTRA4 Platform UltraCore™.

Case Study #2

Workflow-Based web app for the management of Credit Card processes

Benefits for the customer
  • Almost 100% of the day-today work processes are now running over the new system.
  • Doubling of the processed cases for the major financial product.
  • Cost saving of six-digit euro amounts per year.
  • Worldwide operating: About 400 Users in the headquarter and in the regional offices in 15 countries are working with the multilingual web application.
  • Flagship project for efficiency: The application is the key for driving efficiency by cross-national standardization, automation and optimization of processes.
  • Gradual development and rollout of as much as 90 different workflow types within a time period of 7 years, based on an agile prioritization reflecting the respective market needs and available budget.
  • Minimal time-to-market with development cycles between 3 and 8 months.
Read more...
Benefits for the user or team
  • Location independence: Regardless of whether the user is located at the main-, the regional- or the home-office, the web-based application is always accessible via an Internet Browser.
  • Reduced complexity: since the application is running workflow based, users have less complexity in performing the different daily operations.
  • No system breaks: One application provides all data necessary, no processing forced in several different systems.
  • Automatisms and Standards: automated and standardized processes and job schedules allows the users to focus more on the content of business cases. Users do not have to perform manual tasks or any diligent work.
  • Auditability: The application supports auditable tracking and adherence of the organizational structure of the customer’s company, i.e. the user actions are recorded and internal rules of competences can be easily configured in a way it is guaranteed that users access only functions being allowed on the granted authorization level.

Content of the project; what is the application doing?
  • In the middle of the last decade it was decided to expand from the client server technology to a web-based solution written in JAVA.
  • The main goal of the project was the development of a central web-based credit card workflow system for processing customer-related cases from all countries for international and cross-departmental collaboration in Customer Services, Authorization, and Accounting & Collections.
  • It is specifically focusing in improving the efficiency of the daily work of the employees based in the headquarter as well as in all regional offices worldwide. The application is supporting multiple languages.
  • The application is communicating with all third-party systems needed in order to act as the one system providing or handling all necessary data like financial system data, card management system data or special data for the purpose of invoice printing.
  • The application is designed modular in a way that new or changed requirements can be added at any time. For example new steps may be easily added and existing steps may be removed to/from the processing workflow as well as user rights may be adapted according to user competences to perform certain functions.

Technology behind
The application is built on the ULTRA4 Platform UltraCore™.

Customer’s opinion on ULTRA4 
  • Problem solver: If there are no resources in IT available then ULTRA4 solves the problems. Many services would not have been provided without ULTRA4. Even performance problems were tackled quickly. More and more responsibility was taken by ULTRA4.
  • Speed of implementation: ULTRA4 delivers timely and fast.
  • Flexibility: Changes are made quickly. “What was possible was made possible in few time”. ULTRA4 has no rigid point of view.
  • Link between departments and IT: Developers of team ULTRA4 and users of the departments work closely together. Each new case is presented as prototype and time to market is realized as short as possible. Changes in the software could be adapted always almost in a very short time.

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