The first order of business was to create a new version of the bank’s internal accounting system, in parallel with the current system, which turned 20 years old in 2022. The top priority in this process was integrating the two systems and creating a unified gateway between them. This was meant to ensure consistency in the bank’s customer data, processes, and deals. The ability to conduct the credit process in either the old or new system was a key requirement for the bank.
In addition to data consistency across different systems, the Digex Co. team set up integrations with government services. This allowed the bank to quickly refinance loans taken from other financial institutions and speed up the loan application process at Ak Bars Bank.
Throughout the development process, there were regular code reviews to simplify future maintenance of the new IT solution. Documentation and development followed guidelines that were generally accepted within the bank.
Digex Co. specialists created an orchestrator system to integrate the bank’s own IT subsystems with the accounting systems of the bank’s partners. The bank’s partners included marketplaces like Yandex. Market and Wildberries, as well as other companies that provided services for businesses. These companies were given the opportunity to develop joint products with the bank for legal entities. The core of the orchestrator, based on Camunda BPM, used data from various internal subsystems (application submissions, CRM systems, etc.) and the bank partners' IT systems, from which loan applications were received.
Digex Co. developers integrated the bank’s internal subsystems: CRM, reporting service, customer data repository, business entity verification system, and tax base. The Camunda BPM engine described all processes within the BPMN and was responsible for their execution. Depending on the outcome of checks through various services, a loan application or other bank offer would either be approved or rejected. After all checks were completed with Camunda, the summary was passed to a supervisor at the bank, who made the decision based on the results of automated checks. That’s how the automation of the loan process works now.
A separate service for short SMS links was set up for the bank’s marketing activities. SMS was used to inform customers about the bank’s promotions and special offers: approved loans, mortgage loans, and so on. In addition, SMS remained one of the most important elements of authorization in banking services. The development team set up tools to track every interaction with the advertising message. With each touch, additional scenarios are activated: messages through various advertising channels and further work with the client. Thousands of interaction scenarios with bank clients are taken into account, as well as the use of different communication channels: SMS, mobile app notifications, calls, and email.