Automating the Credit Assessment Process
Country
Poland
Industry
fintech
A scoped October 2024 proof of concept at a Polish commercial bank tested a unified Client Card in Microsoft Dynamics 365 and a Generative AI component for one part of a fragmented microenterprise credit workflow.
Services
Technologies
Project in numbers
Fewer application switches
Faster analysis
Analyst hours saved monthly
Background
A Polish commercial bank explored a scoped proof of concept in October 2024 for one part of its microenterprise credit workflow.
The work covered discovery workshops, UX design, a Client Card in Microsoft Dynamics 365, and a Generative AI component for the tested analyst workflow.
The Challenges
Analysts worked across multiple parallel tools with no central analysis point. Data was scattered across BIK, DEF, CEIDG, SUDOP, MEF, and KRS/REGON registries.
The scoped proof of concept focused on reducing application switches and manual verification work within one part of the microenterprise credit workflow.
The Solution
The proof of concept combined new data architecture, a redesigned analyst interface, and Generative AI.
The Client Card in MS Dynamics 365 brought the relevant data into a single view with a persistent header bar, automated rule verification, historical data comparison, and synthesised analytical notes.
Within the tested workflow, the AIConsole component automated registry checks, detected negative media, verified affiliations, and generated analytical notes.
Business Impact
Within the scoped October 2024 proof of concept, application switches fell by 70–80%, analysis was over 50% faster, and the measured workflow indicated 100+ analyst hours saved monthly.
These results apply only to the tested part of the bank's microenterprise credit workflow.
