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Car financing

The project’s highlight was the sharp decrease in overall transaction time: it makes document handling and consumer response more agile, leading to a marked drop in the contracting client’s annual costs.

Goal

Optimizing the Car Financing Approval Pipeline with a focus on reducing SLA and manual processes, with improved payment flows to resellers.

Strategy

  • Adoption of a Multichannel Pipeline / Web Portal; Automation of manual data extraction processes (OCR and ICR).
  • Use of antifraud mechanisms: Queries on Information Bases, Signature and Facial Recognition.

Results

  • Over 12,000 resellers adopted the tool.

  • Reduced human analyses (half of the processes were carried out with no human intervention).

  • Improved response-time agility.

  • SLA down from 8 days to 20 minutes.

  • Sharply cut in annual costs (disclosure of figures has not been authorized).

Distinctions

  • Early document capture without opening for pending issues.

  • Automation of manual data-extraction processes (OCR and ICR).

  • Information-base querying.

  • Signature and facial recognition.

  • Flows approved by means of a Rules Engine.

  • Automatic payment.

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