Case study > Banking & Financial Services > Electronic and Online Loan Application for Bank Pekao
Edge One Solutions supported Bank Pekao in developing the Electronic Loan Application (EWK) and Online Loan Application (WKO) for business customers. The solutions allow companies to apply for financing remotely through PekaoBiznes24 and a dedicated web platform.
The project covered creditworthiness calculations, automated decisions, document workflows, integration with the Bank’s systems and a dedicated module for back-office teams.
Bank Pekao wanted to make business lending available without requiring customers to visit a branch or meet a relationship manager. The goal was to enable companies to apply for credit from any location and at any time, through PekaoBiznes24 electronic banking and a dedicated WKO web application.
The challenge was to combine a seamless customer experience with complex credit-process logic. The solution needed to support preliminary creditworthiness calculations, automated decisions, document generation, online authorisation and integration with the Bank’s core systems.
Improving operational efficiency was equally important. The Bank needed a solution that would support company and financial-document verification, ensure compliance with internal procedures and enable approved products to be launched efficiently in the core banking system.
The project delivered two complementary solutions. EWK enables business customers to submit applications for available credit products through PekaoBiznes24. WKO is a browser-based application that allows companies to apply for credit directly online.
The scope covered end-to-end application handling: preliminary credit-limit calculations, automated credit decisions, document generation and signing, attachment handling, online authorisation and automated product activation in the Bank’s systems.
A dedicated WKO indirect module was also developed for back-office teams, supporting employees from company verification and financial-document assessment to handling applications in line with the Bank’s procedures.
End-to-end online handling: business customers can complete the credit process remotely, without visiting a branch.
Automated decisions and product activation: backend integration enables automated credit decisions and product activation in the core system.
Higher operational efficiency: the WKO indirect module streamlines application assessment and document generation for back-office teams.
