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Bank11

Definition and automation of processes for the automotive industry to enable faster lending processes

Industry:
finance
Region:
EMEA

Key Benefits

  • End-to-end orchestration
  • Standards-based collaboration
  • Open architecture
  • Excellent support from Camunda

Camunda Products

Camunda Platform

Automating processes to enable faster credit processes for the automotive industry

Background

Bank11 is a credit institution founded in 2011 with headquarters in Neuss, Germany. It specializes in sales financing for medium-sized car trading businesses. The bank offers attractive financial services and insurance. More than 5,000 car dealers are contracting partners of the company. Additionally, private clients can open daily savings accounts and checking accounts.

The implementation of the project was carried out by internal and external development teams of Bank11 and IKS Gesellschaft für Informations- und Kommunikationssysteme GmbH under the technical and methodical management of PLEUS Consulting.

Bank11 has been using Camunda since 2014. We conducted the following interview with the head of organization and IT, Andre Thomas, and Wolfgang Pleus of PLEUS Consulting, IKS.

The Challenge

“Until now, central, business-critical processes for lending were implemented using standard software. However, these are not suitable for strategic development and no longer optimally supported the application process. In addition, we did not use established BPM, instead, our workflows were hard-coded in various systems. Only our experts had the necessary knowledge about the processes which were not mapped with BPMN. This occasionally led to misunderstandings and ambiguities between the individual departments.

“We had the need to clearly define and automate processes in order to achieve a high automatic decision-making rate. Our processes integrate numerous internal as well as external services, e.g. The Schufa audit for the execution of qualified credit decisions. In addition, it was important for us to implement the project quickly so that it can be used productively in our workflows. Furthermore, we set large goals in the usability and flexibility of the potential software and this could only be achieved by self-development.”

Why Camunda?

“At first we were considering conducting the project without any process engine. In addition, other BPM products were compared to Camunda, but we finally opted for Camunda because this software meets all our requirements. The following advantages of Camunda helped us make the decision:

  • Top support
  • Direct contact with Camunda technical specialists
  • Camunda’s customer proximity

“Even before the implementation of the project, Camunda was able to help us with the initial process analysis in a very competent manner. We then introduced Camunda’s supported BPMN 2.0 standard as a visual language for our agile team. Thanks to BPMN, we were able to develop and map our processes in interdisciplinary workshops, involving both subject matter experts as well software engineers. With Camunda, the BPMN 2.0 models are then technically executed. Camunda was also very well integrated into our open source middleware (i.e. JBoss EAP Cluster), this made it possible to use our technical service landscape very precisely. The combination of Camunda and a sustainable service landscape according to PLEUS Consulting’s Sustainable Service Design approach works perfectly. Reusable software services are orchestrated by Camunda and thus combine to form a flexible and modular overall solution.”

The Implementation

“One major challenge was the process evolution and migration of existing processes. Our strategy was to let the persistent processes run out and then migrate our business data without processes. Support by the Camunda team was provided and very well received. In addition, workflow control was limited by user tasks and groups, each user should always be able to access all User Tasks and restrict them via flexible filters. Here we have implemented a task control based on Solr, which was well combined with Camunda.

The success of this project is so great that we’ve already started further projects with Camunda.
Andre Thomas, Manager Organization and IT, Bank11

“Moreover, process analysis and automation had to be carried out within an agile and interdisciplinary team. The visual process language BPMN 2.0 has helped us simplify communication between developers and domain experts. As part of the agile process, the process definitions and service interfaces are incrementally developed and improved in interdisciplinary workshops. A big advantage of Camunda is that BPMN 2.0 can be executed directly after the technical enrichment without a transformation break.”

The Impact

“Bank11 now handles a large part of the credit decisions (core business) via the new system with Camunda. The central processes for lending are standardized with a high degree of automatic decision-making. The system stability for these core processes of our business is extremely high, even with very high load. In addition, we are now in a position to better understand the processes throughout different departments. The success of the project is so great that other projects have already begun with Camunda on the same technical and methodical basis.”

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