Finserv Application Management

Finserv Application Management extends Creatio’s Financial Services capabilities by enabling financial institutions to manage the complete lifecycle of customer financial applications — from initial request to account activation. Each application is a structured business object that orchestrates product selection, data collection, document handling, and multi-stage evaluation with built-in automation and validation.

The solution empowers service teams to reduce processing times, ensure compliance, and deliver a seamless onboarding experience through a unified platform that integrates consultations, application workflows, evaluations, and financial analytics.

Use cases:

• 360° customer insight for personalized engagement: Accessing a unified, real-time view of customer financial relationships across products to drive relevant recommendations, personalize service, and increase engagement.

• Holistic household relationship management: Grouping multiple contacts into unified household profiles to gain 360° visibility into shared financial relationships, enabling tailored product offerings and family-based engagement strategies.

• Streamlined application onboarding: Processing customer applications through a guided, configurable flow — from data intake and identity validation to document collection and financial account opening  — ensuring speed, compliance, and scalability.

• Centralized compliance and identity checks: Running identity verification and compliance checks — including KYC and AML — via a centralized evaluation management interface, with integration-ready architecture for external verification platforms.

• Intelligent underwriting and decisioning: Conducting automated and manual underwriting within a dedicated workspace that consolidates credit reports, configurable rules, and audit trails to ensure faster, data-driven credit decisions.

• Flexible document management: Managing documents with a flexible framework that includes automatic property generation based on document class — enabling metadata-driven organization, filtering, and audit readiness.

• Preconfigured service processes for existing customers: Executing out-of-the-box service workflows such as Change credit limit, Close credit card, Close line of credit, Customer data adjustments, and Close bank account to streamline post-onboarding servicing.

• Comprehensive loan and deposit account management: ready-to-use sections for managing lending and deposit accounts. Supports auto loans, unsecured personal loans, credit cards and lines of credit within the Loans, as well as savings, checking accounts, and certificate of deposits in Bank Accounts for streamlined servicing and enhanced customer experience.

• Automated application workflows: Streamline retail deposit and lending operations with preconfigured, end-to-end application processes. Empower your teams and customers with guided product selection through an integrated product catalog that simplifies matching and configuration of financial products.

• Tailored product configuration: Designing and managing product eligibility rules, features, and document packages to tailor offerings for distinct customer segments.

• Real-time consultation and process initiation: Conducting real-time consultations that capture customer needs, launch pre-configured business processes, and track all interactions for future reference.

• AI-powered insights and proactive actions: Leveraging built-in AI skills to surface behavioral insights, risk indicators, and engagement alerts in real time for proactive customer management.