Seamlessly move from in-store to e-commerce sales
-25%
1 min
Only 4 months
to launch a fully digital credit journey
This process had to limit fraud risks, integrate with a new agile IT foundation, and deliver a frictionless user experience.
In a context of rapidly evolving customer behaviors and expectations, the challenge was to design a secure, interoperable, and scalable journey — one that could support the digital transformation from an in-store distribution model to e-commerce.
At the core of this solution is a powerful, scalable SaaS platform designed to adapt to various distribution channels. It comes with front- and back-office web interfaces, enabling teams to manage and track subscription files in real time.
Document handling was designed for instant processing, with automated analysis features for key supporting documents — including ID cards, bank account details, proof of address, and tax declarations — to streamline KYC-related decisions.
The entire journey is secured by an advanced electronic signature, fully compliant with the eIDAS regulation. The solution also includes a statistics engine that enables granular monitoring of onboarding performance — and optimization when needed. The contract management system is fully customizable, built to support a wide range of scenarios, including the most complex customer journeys.
In just four months, our partner launched a fully digital personal loan journey — user-friendly, secure, and seamlessly integrated into their new IT environment.
Thanks to automated verification and contract management mechanisms, fraud prevention was significantly strengthened, with a 25% improvement observed within the first few weeks.
Operational teams also saw productivity gains, with an average reduction of one minute per file in processing time.
Beyond these immediate results, the modular architecture now in place enables the integration of new product offerings without a major overhaul of the journey — a powerful lever to support catalog expansion and respond to market shifts.
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