According to a 2021 study by Alior Bank, nearly half of Poles were willing to communicate with a virtual assistant. By the end of June 2023, Polish banks had accumulated nearly 15 million customers categorized as “mobile-only," as reported by Puls Biznesu. A growing number of customers are choosing online contact over in-person or phone communication.
This trend indicates the necessity for banks to expand their communication channels. We are currently focusing on one such channel – chat – in collaboration with PKO Bank.
This channel is essential to address customer needs and, concurrently, to lower expenses and alleviate the workload on agents (e.g., by automating repetitive conversations).
While we are already progressing with the third stage, this case study pertains to the first two stages – a chat designed for non-logged-in customers and launching chat contextually in the loan purchase and onboarding process.
Our team developed the chat with the customer's perspective in mind.
Servicing customers with mortgages at Santander Bank involves a complex process, spanning multiple channels such as call centers, electronic banking, and branches. Therefore, it required consistency and various improvements for the bank's employees.
To facilitate the team's work and, as a result, improve the customer experience. Our task was to shorten the time spent negotiating mortgage terms. This, in turn, was to enable flexible scaling of the team handling the process and eliminate errors resulting from employee overload while serving customers in different channels. The orchestration of employees' activities in different channels significantly increased customer satisfaction.
As usual, we started with gathering requirements and mapping needs. We developed a blueprint of the process (in Camunda) and the employees' roles (in Keycloak). It allowed us to clearly define what features were required in the MVP version and what should be delivered later.
We developed the applications iteratively. The increments depended on the client's needs and testing results. This way, the bank had a functioning process from the beginning, and successive elements were added gradually without having to shut down the whole process. Also, the iterative increments facilitated the introduction of subsequent people into the project.
When configuring the Eximee Dashboard, we took into account how each group of employees would use it, which views they would need and which they would not. After launching the tool, we gathered their feedback and implemented the findings.
Work on the Eximee Dashboard project took several months. Each project phase was led by a person with critical competencies for that particular stage.
The most important elements included in the application for bank employees are:
The task list displays tasks resulting from the steps defined in the process. They are assigned to a particular group of employees (determined by role in Keycloak).
An employee can see their assigned tasks or tasks not assigned to any employee. In addition, people with a higher level of authorization, such as team managers, can see all tasks regardless of whether and to whom they are assigned.
The case list displays all process instances – ongoing and completed. It allows an employee to see, for example, all cases of a particular customer or all customers with the same case type.
The case list can include the cases at the stage of automated tasks and cases where an error has occurred, e.g., a service call error. An employee can invoke the same service again, thus resuming the process without contacting support.
The forms can be displayed in different ways, e.g., for a call center employee and a branch employee, there may be different views. Completing the form is one and the same step in the process and has the same effect, regardless of the channel in which it is completed.
Different form views for the same step in the process:
The Eximee Dashboard contains customer cards with personalized offers, functioning like a CRM. On the one hand, an employee gets hints about the offer they can make to a customer (screen at the top), and on the other hand, they can take notes on a particular customer and case (screen below), for example.
Thanks to the Eximee Dashboard, bank employees have gained access to the calendar and support in making appointments. They can send customers email notifications or codes to decrypt documents using an SMS.
Process steps visualized on screens in the Eximee Dashboard are the steps that could not be automated or robotized due to their nature or legal requirements. If not for the solutions developed with Eximee, bank employees would have to perform these tasks manually, using spreadsheets, for example.
With Camunda, the bank can efficiently map out the processes, incrementally build, automate, and maintain them at scale.
Make an appointment for a discovery meeting and find out how we can help you.
Eximee Team
Michał Stolarski
Eximee Team
Eximee Team
Eximee Team
Eximee Team
