Eximee Team
Bank employees face many challenges in their day-to-day work: from complex procedures to time-consuming operations across various banking systems. In a world where every minute counts, process automation and manual task optimization are becoming key to operational efficiency. By enabling the creation of flexible tools that streamline banking operations, the Eximee Low-Code Platform helps banks optimize workflows, increase productivity, and ease the burden on operational teams.
Tedious manual tasks, such as manual KYC checks, multi-stage credit approvals, complex negotiations, and lengthy transaction authorization processes, are all areas most affected by difficulties stemming from fragmented data across multiple systems and the complexity of verification procedures. They consume valuable time and reduce the team’s comfort of work. These challenges are often compounded by fragmented data stored in separate systems, known as data silos, which hinder access to current information and disrupt efficient communication between departments.
This is where the Eximee platform comes in, supporting banks in the digitization and automation of processes, addressing the challenges faced by banking teams, and laying the groundwork for a modern work environment.
The Eximee Low-Code development platform enables the creation of business applications based on premade components, which shortens the implementation process and reduces operational costs. This allows users to quickly deploy solutions that facilitate manual operations and support automation where applicable, improving customer service, and helping maintain regulatory compliance. This also enables standardization and ensures consistency in customer experience.
With Eximee, banks can build applications tailored to support employees in the areas that most impact their comfort and efficiency. Below presented are selected examples of actual implementations.
The Business Account Generator is a tool created with the use of Eximee that automates the process of setting up a business account. The process is handled across multiple channels, including in the bank branch, which is important given customer preferences, as many often choose the path of direct interaction with an advisor in assisted channels. The Business Account Generator makes the work of advisors easier by minimizing the risk of errors and reducing the time needed to prepare necessary documents.
Opening a business account is a multi-step process that is often time-consuming and prone to errors. During the process, a significant amount of data must be collected (regarding the company and its owners), and numerous verifications must be carried out in various databases (including, among others, ID card numbers and information from the government registry). It may be necessary to supplement or correct the data, which in turn can require scheduling multiple meetings with clients for this purpose. The need to prepare extensive documentation and carry out detailed verification procedures involves intensive communication with the customer, which slows down the entire process and places a burden on operational teams.
The Business Account Generator is based on a dynamic form that adapts to the legal form of the business and the customer’s specific needs. The tool automatically retrieves data from public registers, validates the information, generates documents based on entered or retrieved data, and verifies their accuracy.
Since this solution is based on low-code technology, the application development process was fast and allowed integration with many other bank services, such as Polish Classification of Business Activities (PKD) codes, address databases, and checks against the Central Registration and Information on Business Activity (CEIDG), the Central Statistical Office (GUS), and the Polish Financial Supervision Authority (KNF).
The implementation of the Business Account Generator significantly streamlined the process of opening business accounts. One of the most important benefits was the reduction in application handling time: on average, a time saving of 5 minutes was achieved when opening accounts for sole proprietorships and farmers (from 89 to 84 minutes). For applications containing errors, an average time saving of 7 minutes per application was achieved (across all legal forms). Time savings were also recorded in the area of document archiving, where the time required for archiving was reduced by an average of 6 minutes. Advisors experienced improved work comfort, while the bank has reduced operating costs, at the same time improving compliance with KYC/AML regulations. Importantly, the simplified process enhances the customer experience and helps build strong relationships from the very first interaction with the bank.
Eximee is worth using not only for processes designed for direct customer service, but also for optimizing internal processes, whose smooth and correct execution has a significant impact on the comfort of operational teams. The solution described here enables efficient qualification of processes or projects for GDPR compliance testing, thus allowing the bank to verify the alignment of new initiatives with applicable regulations as early as the planning stage. A dynamic wizard based on an Eximee form guides employees through a tailored assessment path, which streamlines the process and ensures compliance without disrupting agile team workflows.
Qualifying processes for GDPR compliance checks presents several challenges: the verification process itself is complex, time-consuming, and prone to errors resulting from possible discrepancies in the way different people may interpret appropriate regulations.
Differences in project managers’ approaches, difficulties navigating documentation, and a lack of standardization can lead to inconsistencies. At the same time, frequent regulatory changes may hinder scalable compliance management. As a result, applying a full GDPR check to every project—regardless of whether it’s necessary—can slow down teams and reduce their flexibility.
The Eximee form-based solution acts as an interactive wizard that guides the business owner or product owner through the GDPR qualification process. Based on responses provided, the system adjusts its recommendations in real time: it indicates whether a full verification is necessary, whether a selective review of changes will suffice, or whether the process has already been approved.
Implementing this tool has significantly accelerated the GDPR compliance qualification process, reducing the workload for both IT and operational teams. It also enabled the optimization of project activities, ultimately reducing the occurrence of errors and ensuring greater scalability in the face of changing regulations. The team gained in efficiency, while the organization benefited from improved data security and operational transparency.
An additional advantage is that launching the verification process in Eximee also allows for confirmation that such a check was performed by an employee, which helps maintain transparency of the actions taken.
Many banks still offer the option to transfer an account only at branches or through online banking. Account transfer via the mobile app allows customers to conveniently request the transfer of their account from another bank without leaving home. Powered by Eximee, the process has been simplified, automated, and integrated into the bank’s omnichannel strategy, which has significantly improved accessibility and customer service quality.
Many banks still offer account transfers exclusively at physical branches or through online banking. The absence of this functionality in mobile environments undermines the consistency of omnichannel strategies and makes it harder for customers to access services anytime, anywhere.
The Consdata team prepared a dedicated mobile channel for the native application and adapted the application form in Eximee to the bank’s specific needs. The account transfer process created by the bank within the mobile app has been simplified and automated, allowing customers to submit their application in a convenient mobile environment. Now, the bank carries out the account transfer on behalf of the customer without the need to manually migrate settings, and all actions taken are visible across all channels. Our support also included integration of the bank’s own authorization component with the Eximee platform, enabling smooth and secure operation of the solution in accordance with current standards.
The implementation of account transfer in the mobile application was carried out by extending the reach of the existing application form to the mobile channel. This eliminated the need to create a new process specifically for the mobile app. Additionally, integration with the Eximee platform gave the bank the ability to independently create and embed new application forms within the existing mobile app, paving the way for further automation and expansion of the offering without involving additional technical resources.
The sales script prompter is a business application created with Eximee that supports bank consultants in the process of selling cash loans with insurance. The tool guides advisors step by step through conversations with customers, ensuring regulatory compliance, automating document delivery, and centralizing data management—both in call centers and bank branches. This reduces service times, minimizes the risk of errors, and facilitates the training of new employees, who do not need to undergo long training before taking on new responsibilities.
The process of selling financial products, such as loans and insurance, involves numerous challenges. Consultants work with many scattered tools, and the lack of data and system integration can significantly impact the efficiency of their actions. Under time pressure, difficulties may arise in quickly and accurately matching offers to the customer, especially when coordinating multiple processes during a conversation—from sending documents to the customer to transferring data into the system. Even experienced consultants may face low efficiency and the risk of making mistakes, while the absence of a consistent sales process significantly extends the time required to train new employees.
The sales script prompter replaces multiple fragmented tools with a single low-code application that guides advisors step by step through the sales process: from identifying customer needs to automatically sending documents. Eximee’s flexibility enabled the development of a solution tailored to the specific needs of individual bank branches: data, guidelines, and the sales script have been centralized, the process of sending documents to the customer has been automated, and the fulfillment of obligations arising from applicable regulations has been structured.
The implementation of the sales script prompter helped standardize services, facilitating updates and ensuring regulatory compliance. Data centralization and process automation increased team efficiency, and the tool can be adapted to other areas of the bank’s operations, paving the way for future optimizations.
Simplified onboarding and training of new employees as well as improved customer interaction quality directly contributed to increased sales. What is more, the solution ensures consistent service across call centers and bank branches while addressing the actual needs of the employees.
The solution presented here is a business application built with Eximee that supports both front-office and back-office employees in the process of renegotiating credit terms. It enables quick access to customer data, automated document generation, and task management, significantly improving communication, reducing service times, and increasing the efficiency of the entire process.
Negotiating credit agreements is a process that requires coordination of many activities, often leading to employee overload and a lack of consistency in communication. The large volume of credit documents generated to meet specific legal requirements, the need to comply with numerous regulations related to customer verification, the obligation to clearly and fully communicate credit and insurance terms, and the need to tailor credit conditions to individual customer expectations all present additional challenges. Every change in credit terms requires generating a complete set of documents and ensuring that the customer has the opportunity to review them. Each cycle of document changes significantly extends the duration of the process due to the need for content verification by the customer and any authorized representatives. This, in turn, puts pressure on both employees and customers who wish to resolve the matter as quickly as possible, increasing the risk of errors.
The solution was designed using low-code technology. This development approach significantly reduced the implementation time and limited the necessary involvement of IT teams.
The loan negotiation tool operates through applications embedded in Eximee Dashboard, which orchestrate employee activities across various service channels. The system provides customized views based on employee permissions, automates subsequent stages of the process once loan terms are approved wherever automation can bring benefits, and supports meeting planning and customer interactions (e.g., via videoconferences, email, and SMS). All steps are clearly visualized for consultants.
There are two modules that play a key role in supporting loan agreement negotiations: Task list and Case list, which facilitate work organization and increase process transparency.
The solution supporting loan agreement negotiations also uses customer cards with basic information necessary for completing the process. Employees gain quick access to customer data and history as well as recommended loan terms, and they can add notes and receive offer suggestions tailored to individual customer needs. This solution facilitates the personalization of conversations, increases the accuracy of recommendations, and improves the quality of service.
Implementing tools to support loan agreement negotiations has streamlined banking operations, reduced service times, and improved the quality of customer interactions. Employees have gained greater operational independence, with centralized access to customer data and case history enabling better offer matching. Thanks to automation, operational efficiency and compliance with external institutional requirements have improved.
Optimizing the credit agreement negotiation process using low-code tools also enhanced the business process in the area of customer communication. Automation helped reduce the number of errors, improved timeliness of actions, and enabled effective use of data to personalize the offer.
According to McKinsey, the future of process automation in banking is marked by a move toward more specialized solutions tailored to the specific needs of banking teams. Banks are expected to adopt more flexible tools that can be more easily adapted to the challenges they face. In the coming years, the ongoing automation of tasks could cover up to 25% of all processes, freeing up employees’ time for higher-value tasks and strategic projects.
Eximee is poised to play a key role in this transformation, enabling the rapid creation of automated, personalized business applications without the need for extensive programming knowledge. Thanks to low-code technology, teams developing those applications will gain greater flexibility, improved access to data, and more efficient training and onboarding capabilities.
The use of low-code platforms in banking delivers clear benefits: it allows for the creation of applications tailored to the needs of customers and employees alike, the automation of business processes, and the expansion of existing solutions without time-consuming and costly IT projects, which in turn translates into the ability to iteratively optimize processes and easily adapt them to changing business requirements. This makes it possible to optimize and streamline operations, at the same time improving service quality.
With automation, many processes run faster and more efficiently, easing the workload of operational teams and enhancing regulatory compliance without additional effort. Solutions built with Eximee offer flexible scalability and broad adaptability to evolving requirements, empowering employees in their daily work. This demonstrates that modern banking is not just about digital innovation—it is fundamentally about creating better conditions for the people who drive it forward.
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