Case study: low-code platform for corporate banking and risk assessment at BGK

Bank Gospodarstva Krajowego — Polish state bank, the only entity of its kind in Poland, wholly owned by the State Treasury. It was established by law to support government socio-economic programs and local government and regional development programs.

The implementation team for the financial sector of yarrl S.A. (previously at ProService Finteco, and even earlier at Bonair) has been cooperating with Bank Gospodarstwo Krajowego for years in two business areas:

• CRM application for corporate banking for managing relationships with customers and other stakeholders realized on a proprietary low-code platform,
• a rating system using a proprietary low-code decision engine along with an environment for running, testing and documenting rating models.

Built in a few months, on a low-code platform, the CRM application includes, among others:

• 360° view,
• centralisation of the processing and sharing of information,
• surveys (AML CREBA and PSK), notes, newsletters,
• indicators NPS, CSI, CES,
• relationships, contacts, tasks,
• matters related to the service of stakeholders, ad hoc tasks,
• control and monitoring of cases,
• repository of documents,
• consent, retention,
• API integration,
• security OWASP ASVS L2.

The CRM application implemented in the bank supports the automation of processes, control over the execution of tasks, improves the efficiency and quality of service of business processes. Thanks to the centralization of processing and sharing of documents, it reduces the time of searching archives, improves the execution of timely tasks. An attractive user interface, flexible reporting and intuitive navigation in the system facilitate the handling of tasks, and API integration services allow integration and automatic exchange of data with the systems of the bank or business intelligence.

CRM on a low-code platform supports process automation, task execution control, improves efficiency and quality of service of business processes

The solution offers the flexibility to assign permissions and define user permissions for individual operations based on the ABAC (Attribute Based Access Control) model. The approach used is to assign additional characteristics to users. This model extends the standard role-based platform and allows for the intuitive creation of extensive acceptance schemes within organizations, including multi-stakeholder organizations.

Low-code decision engine for creating and maintaining algorithms for assessing the risk of an institutional client, independently by bank analysts:

• integrated into the bank environment,
• advanced tools for designing, verifying, testing and documenting rating models,
• assesses risks and provides recommendations in the credit process,
• provides a runtime environment and a debugging module for the designer — the bank analyst.

The algorithm design process is carried out according to the philosophy of low-code - without coding and is carried out by bank analysts

Drag and drop tools allow bank analysts to quickly develop and modify rating algorithms without the need to involve programmers or technology providers. The proprietary low-code platform provides advanced algorithmic logic modeling capabilities, providing the designer with an extensive library of components to quickly design and run the algorithm. A business analyst can independently create, integrate, test and implement decision models and rating algorithms.

The low-code environment is designed for analysts who have a good understanding of the business domain, but do not need to have programming skills or in-depth IT technical knowledge to effectively implement solutions. These users create modern IT systems using intuitive editors and drag-and-drop elements implementing the concept of “citizen developer”.