Innovative Digital Support to Leverage the Banking Sector
By Wanderley Baccala, CIO, Banco Original
Wanderley Baccala, CIO, Banco Original
The app ‘Seja Original’ was the most transformative project for Banco Original and also for the financial segment. This application carried out the processes of opening account and contracting products with 100 percent digital support.
It’s most visible part is the mobile app, available at Apple and Google stores, which is used by prospects to send personal data, images and documents to the backend of the bank. The application contains a wide range of features to ensure the safety and regulatory compliance of the process.
At the backend, there are system integration, process automation, third party services and advanced analytics solution that receives and processes the multi-structured information received from the application, enriching it and evaluating it in the light of accepted credit and risk policies by us. This analytical intelligence allows for a refinement, both from the marketing and risk viewpoints of the target segments desired by the bank to develop its customer base. The operational efficiency obtained with the integrations and automated processes make Banco Original a global back office benchmarking.
We reached the goal of new clients with 40 percent of anticipation and we innovated when implementing the project of opening of account online with more than 6 months ahead of the competition.
In today's world, time is precious and we have to understand the need and desire of customers to make transactions and use financial services anytime, anywhere.
In addition, the expansion of smartphone use leverages the creation of digital experiences that make it easier for customers to find everything they need from the mobile phone, from opening a new account to making investments and loans easily, quickly and securely.
Operations and Innovations among IT Staffs
The Original is a bank that has as very strong innovations attributes, besides operating in a 100 percent digital way, always looking for new approaches to customer services, such as BOT in Facebook Messenger, which allows you to consult balance, statement, transfers and to answer questions as a call-center assistant.
The expansion of smartphone use leverages the creation of digital experiences
The IT structure favors the launch of innovations, because architecture and systems teams are connected to the business, being responsible for initiating planning and technical study still in the design phase. We have a well-defined flow to prioritize and execute strategic projects, which facilitates corporate alignment and reduce the energy expenditure of technical teams with activities related to unimportant demands.
The use of agile methodology to help maintain focus that really is important and innovative, along with the use of ALM concepts, Devops and continuous delivery, we can also offer frequent innovations, also discarding the times of operational activities of software delivery.
We use Design Thinking techniques integrated with the development methodology to shorten the time between an idea and a delivery. During the development of the ideas and detailed specifications, the methodology team acts as agile coach and work model lighter, transparent, and promoting integration between as business areas and IT.
To keep up with the day-to-day, we have IT support times away from projects, and the problems of production and improvement are conducted independently by specialized teams.
There are also solutions’ monitoring tools operated by support teams during the whole time of services provided to business areas and customers. We use software to monitor the network, servers, systems and the entire workstation park in an integrated and constant way, in order to identify and solve problems even if before the customers are affected.