Case study > Banking & Financial Services > Online Credit Process for Business Customers
Edge One Solutions supported Bank Pekao in delivering a fully digital end-to-end lending process for business customers — from financing simulations and loan applications to contract signing and loan activation.
The solution connected the customer-facing application, back-office processes and integrations with the Bank's systems, automating application processing and streamlining the management of a complex lending workflow.
Bank Pekao aimed to provide business customers with access to lending products without the need to visit a branch. The goal was to create a fully digital end-to-end lending process that would guide customers from financing simulations to contract signing — entirely remotely.
The key challenge was connecting the front-end application with a complex back-end architecture and sophisticated business process logic. The solution needed to deliver a seamless customer experience while supporting system integrations, data flows and the successive stages of the lending process.
Another important requirement was to design a process that would enable the Bank's teams to monitor, manage and optimise workflows while maintaining full control over critical stages of the lending process.
The Edge One Solutions team contributed to the development of an online lending process for business customers, covering the front-end, back-end and integration with tools supporting business process management.
The back-end was built using Java and a Domain-Driven Design architecture. Kafka was used for event processing, while Swagger and OpenAPI supported API documentation. IBM BPM was responsible for managing complex lending workflows in real time.
The front-end was developed using Angular and an event-driven approach. The team extended the internal component library and adapted it to the solution's requirements, ensuring a consistent customer experience throughout the lending process.
The result was an online lending process that enables business customers to complete each stage of financing without visiting a branch. The solution connects the digital application with the back-end, the Bank's systems and business process management tools.
The event-driven architecture and integration with IBM BPM enabled workflow automation and real-time process management. The Bank gained greater control over individual process stages, including their monitoring and continuous optimisation.
The result is a more accessible and convenient lending process for businesses, along with a technological foundation that supports the development of digital financial products and more efficient operations.
