Conclusions from the implementation of the Business Account Generator at Credit Agricole using Eximee

Implementation of the Business Account Generator at Credit Agricole

Opening a Business Account is one of the first touchpoints a client has with the bank—this process shapes the first impression, begins the relationship, and creates an opportunity to build trust.

The objectives of implementing the Business Account Generator were:

• To support advisors in opening business accounts by automating the process,
• To improve documentation quality (the system reminds users about required elements, ensuring data completeness),
• To streamline the business account opening process,
• To increase operational efficiency and enhance customer experience.

The process was launched on the Eximee Low-Code Development Platform, which allows for rapid deployment of business solutions without the need to build applications from scratch or possess advanced programming knowledge.

The tool automates the collection of required data and the creation of all documents necessary to open a business account.

The implementation of the generator was carried out in two stages.

Functionalities introduced in the first phase:

• Collecting all necessary data in a single form for the process,
• Automatic generation of documents based on the entered data,
• Validation of key data (e.g., NIP, REGON, PESEL) for accuracy.

Functionalities introduced in the second phase:

• Automatic retrieval of data from public registers such as KRS, CEIDG, and GUS,
• Automatic retrieval of data from the bank’s internal databases (for existing bank clients).

Challenges before implementation

The main challenge before implementation was to reduce the time required to process an application (including document verification and account opening) submitted by an advisor. Thanks to the implemented solutions, this time was reduced by an average of 8% per application.

What contributed to longer processing times?

One key factor was the need for manual data entry by advisors, which often led to corrections being required. This not only prolonged the processing time but also consumed additional operational resources.

A tool that collects all necessary data and generates complete documentation greatly supports the advisors’ work and improves overall efficiency.

Business benefits of implementing the Business Account Generator

One of the most significant benefits of the implemented tool is the reduction in processing time:

• For correctly completed applications:
  • Accounts for sole proprietors/farmers: processing time was reduced by an average of 6%.
• For applications with identified data inconsistencies:
  • All legal forms: processing time was reduced by an average of 9%.

Although these savings may seem small at first glance, at a larger scale—30, 50, or especially 300 applications—the time saved becomes significant.

Faster document generation

The tool significantly reduced the time required to generate documents. After implementing automatic data retrieval in applications, the time needed to collect data and generate documents was reduced by nearly 40%—for simple legal forms.

Reduction in data collection and document generation time for simple legal forms.

Improved document quality

The system automatically checks for completeness and generates all required documents. As a result, only fully completed applications with all necessary attachments move on to the next verification stage.

Following the implementation of the generator, the number of complete applications increased by:

• 45% in the first phase,
• 49% in the second phase.

The average number of corrections per application decreased by 60%.

Faster document archiving

Adjustments to the layout, shorter printouts, and improved readability contributed to a reduction in archiving time by 8%.

Reduction in document corrections

Thanks to automation in retrieving data from public registers, internal bank databases, and transferring recurring data across documents, discrepancies caused by manual entry were eliminated.

The tool also enables validation of data requiring specific formats and lengths, such as NIP, REGON, and PESEL, allowing inconsistencies to be detected already at the form-filling stage.

• The number of contracts requiring corrections dropped from 65% to 55%, a decrease of 10 percentage points.
• The number of previously detected document errors was reduced by nearly 50%.

Percentage of agreements requiring corrections and percentage of errors detected in documents before and after implementation.

Improved employee satisfaction

Feedback from a staff satisfaction survey indicates that the new tool has improved working conditions. As employees highlight: 

Contract handling from the new generator is significantly better – advisors spend less time making corrections, and the overall process is simpler.

Conclusions

These visible process improvements demonstrate Credit Agricole’s readiness for growth and optimization. Improving documentation quality, reducing processing time, and boosting satisfaction among clients and employees are important steps toward fostering long-term relationships with business customers.