Raiffeisen Bank
Creatio Powered Business Lending Platform
Business lending workflow automation with Creatio’s no‑code platform
Raiffeisen Bank’s complex lending processes required the development of parallel workflows. The former solution was technically outdated.
On a business level, the time-consuming approval process was affecting both employee productivity and customer experience. Aspiring to provide the perfect customer experience, Raiffeisen Bank Albania started researching a new solution.
The company requested from Qualysoft a tool that would streamline the loan management process. At the same time, the tool had to provide process transparency for stakeholders, while making the best use of information flows and data input.
Measured outcomes
Key results
- Automated credit checks eliminated 40 % of manual hand-offs in the approval flow
- Average loan decisions dropped from 3.8 days to under 1 minute
- Real-time dashboards now cover 100 % of loans, cutting audit-prep work by about 70 %
Qualysoft solution
Qualysoft’s team of experts built a custom platform, based on Creatio, for lending process automation. It was named BLINC – Business Lending is Now Cool. The platform‘s name is self-explanatory as it is designed to fit the Raiffeisen requirements down to the smallest detail.
The platform leveraged Creatio’s low-code/ no-code capabilities to automate workflows and CRM with a maximum degree of freedom. It was selected considering the pre-set tools, ease of process configuration, and wide integration options. Case management tools helped manage and automate unstructured processes. The powerful BPM engine enabled the performing of multiple processes simultaneously. Visual analytics tools helped detect bottlenecks and optimize processes.
Business Outcomes
The implementation of the BLINC platform delivered significant benefits for Raiffeisen Bank Albania:
- Enhanced Customer Experience — The streamlined loan application and approval process resulted in faster service delivery, increasing overall customer satisfaction.
- Accelerated Loan Processing — Automation significantly reduced the time required for loan application reviews and approvals, improving both internal efficiency and customer response times.
- Increased Operational Efficiency — By automating workflows and reducing manual tasks, the bank optimized resource allocation and improved productivity across departments.
- Improved Process Transparency — Stakeholders gained real-time visibility into the lending process, enabling better oversight, compliance, and decision-making.
- Faster Time-to-Value Despite Pandemic Challenges — Despite starting deployment during the pandemic, the platform was adopted quickly—outpacing similar implementations within the bank and across the group. This was largely enabled by the flexibility and agility of the low-code/no-code Creatio platform.
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