Bank
automation by PNN, on example of automation of loan system, using IBM BPM.
Business case: automation loan
department of a bank.
Objectives:
one of the largest Ukrainian bank needed
automate it’s loan department.
The
owners of the bank wanted to be able to make a decision
for loans on big sums of money in one hour after there would be a request for a
credit. It was decided to implement IBM-Web Sphere and to develop some unique
modules from scratch.
Why in fact IBM WebSphere was chosen?
IBM provides a
platform that can be used to simplify automatic sharing data and information
between different systems even if they were developed by different companies and
hosted on different servers. In case you want to merge just two different
systems you can utilize any technology to connect them, but if there are a lot
of systems and data has to be exchanged rapidly, you have to use some standard
platform for integration.
IBM
Web Sphere (or IBM BPM) – is one of such reliable platforms, popular, proven and
trustworthy.
Integrating all the databases
First of all PNN implemented:
- IBM WebSphere Process Server – responsible for
executing the business logic of interaction between all integrated
applications;
- A tool for gathering data about potential
borrowers, using IBM Web Sphere Enterprise Service Bus (ESB 7.0).
To give a loan, bank employees have to gather
all possible information about the borrower. Usually, loan manager has to make requests
to a group of inner-bank systems. For example, an account
status, a history of reference, the risk assessment. There are also
external systems, such as interbank loans register, the database of the Ministry of Internal Affairs of Ukraine,
courts and so on, and so on.
These databases
provide us with necessary data in the form of web services. Our goal is to
connect them to a shared bus communication – Enterprise Service Bus. Thus the
system automatically collects all the necessary information about the
trustworthiness of the borrower.
All
operators from lending department are working with a unified interface in one
and the same server. We have developed it with IBM Web Sphere Portal 7.0 and
IBM Web Sphere Business Space. All the information stores on this server. Each
employee has a controlled access to this information. The degree of access is
determined by management personnel. Since all software resides on a server that
allows one to: update software, to give or deny access to certain actions of
staff, change computers without losing information, because it is stored on the
server bank.
Monitoring and optimizing
The next step was
taken by us when the system was the done. We have developed a module for
monitoring. It was made to know what really happens in the system. It is
necessary to keep track of “narrow” places of the system. The tool also helps to optimize the system.
Monitoring
and optimizing the whole system was designed with IBM WebSphere monitor 7.0
Additionally:
- To estimate the degree of risk a particular
potential borrower. We connected to Credit Scoring. It is a decision-agent from the
company Experian. By the number of parameters it estimates the degree of risk.
- We have also joined the bank’s internal
databases. These databases are stored in Oracle 11.
- Operating system we worked with was Linux Red
Hat.
- The language for programming we used was
primarily J2EE.
As a result:
- We automated all the business processes of
credit department.
- The bank had reached a qualitatively new level
of customer service.
- The bank carried in the top three banks in the
Ukrainian and Russian market.
- Bank embodied idea to automate the loan department. Now a
decision on loans takes just 60 minutes.
PNN – a professional in business processes
automation.