1) Biometric solution reduces customer onboarding time to just seconds whilst dramatically reducing fraud

The challenge

Home Credit Group is an international consumer finance provider offering a range of credit and insurance services around the world. An essential part of processing new applications for its products and services is ensuring that the customer is who they say they are (to prevent fraud) and identifying whether they are an existing customer (to prevent duplicate customers in the core systems).

However, this was difficult to achieve in the Philippines, where there is considerable variance in spelling of names and the personal data that people use to identify themselves, and as many as eight official document types that are valid as ID, some of which can be printed by citizens at home.

As a result, roughly 20% of Home Credit applications could not be processed automatically, with these applicants having to go through a manual identification process instead. This consisted of a team of operators sifting through data until they could confirm or deny the person’s identity. It was not only dramatically slowing down the overall application process, it was also increasing the number of wrongly rejected applications, with human operators turning out to be overcautious and marking many valid applicants for rejection as not matching.

In addition, highly manual workflows were preventing Home Credit from achieving one of its key business goals – to become a 24/7 business with instant, anytime, anywhere product applications.

The solution

With such significant variability in customer data, the only reliable way to confirm people’s identity was through the use of face recognition technologies (Innovatrics). So in 2019, EmbedIT and Home Credit started working together to bring this biometric checking to Home Credit. The project consisted of two main workstreams.
- Enabling biometrics information to be securely generated and submitted by customers and stored within the Home Credit system.
- Creating business processes (Zeebe) and decision-making processes (FICO) that would use visual information to make reliable decisions about the identity of applicants.

Presenters:

- Vladimir Pacejka (Senior Software Analyst Team Leader at EmbedIT, Prague, Czechia)

2) WKS Platform - the open-source Case Management and Process Automation solution.

Accelerate your Camunda implementations with the open-source WKS Platform. Offering out-of-the-box task and case management capabilities, WKS Platform streamlines complex workflows and reduces deployment time. Enhance your Camunda experience with this flexible, efficient solution, designed to save resources and simplify process management.

Presenters:

- Victor Franca (Founder of WKS Power, Dublin, Ireland)

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