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

bank11 logo

Key Benefits

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

Camunda Products


Automating processes to enable faster credit processes for the automotive industry


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.

“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.”

Similar Case Studies

totalEnergies logo
Power through process orchestration: How TotalEnergies Belgium revolutionized its customer acquisition processes with Camunda
likeMagic logo
See how SV Group’s likeMagic digital hospitality platform went from concept to market in 6 months with Camunda
Thanks to Camunda, GEMA was able to orchestrate the complex core process of music documentation, which incorporates a variety of systems and manual tasks. It has been possible to achieve 50% automation within the area of commercial documentation. Repetitive tasks have been significantly reduced, which means that employees can devote more time to the remaining manual documentation.
Münchener Hypothekenbank eG updated its process engine with Camunda and developed a central task list to manage manual tasks. The result? Shorter reaction times and happy staff whose work is a pleasure with the new system.
SV Informatik provides custom IT solutions for insurance companies. Since introducing Camunda, numerous processes have been automated across divisions, resulting in significant time savings. The automation of manual tasks has also shortened response times, leading to faster processing times and subsequently an improved customer experience.
R+V Versicherung AG has redesigned its BPM architecture with Camunda and is now able to develop, update and operate its process applications locally. This increased agility means new requirements can be responded to more quickly and can immediately contribute to the company’s success.

Ready to get started?

Explore the platform or get a personal tour