321 Crédito Portugal
Optimizing processes and improving the management of financial products with Accipiens
321 Crédito, uma instituição financeira em Portugal especializada em crédito automóvel, estabeleceu uma parceria duradoura com a VTXRM desde 2018, implementando o Accipiens como sistema de gestão de contratos. O sucesso inicial levou à expansão da colaboração, incluindo serviços de equipa dedicada e outsourcing em 2020. Essa parceria contínua destaca o valor e a eficácia do Accipiens na otimização das operações da 321 Crédito, resultando em um cliente satisfeito e leal.
The Challenge
321 Crédito faced the challenge of dealing with distinct and fragmented legacy applications, implemented over time. With business growth and the need to simplify processes and improve technological integration, the company searched the market for a solution to improve the management process of its financial product.
Scope of the Project
Resources Involved
The project engaged around 12+ resources, including functional consultants, technical consultants, API developers, team leaders, and project manager.
Business Lines
Consumer Credit Auto
Project Structure
The project was structured into five phases: Requirement analysis, Accipiens configuration, integrations, API development, and Data migration.
External Frontends
The project incorporated external frontends, including the Lawyer Portal, Client Portal, and POS Portal.
Accipiens conferred a substantial competitive advantage, contributing to the initiation of a transformative cycle within the organization.
The implementation of Accipiens for 321 Crédito was a complex project
that demanded careful planning and execution.
One of the primary objectives was to deliver a flexible solution that enabled quick and efficient responses to customer requests or market opportunities.
This flexibility facilitated the integration with other applications or systems, underpinned by its service-oriented architecture (SOA).\
"With business growth and the need to simplify processes and improve technological integration, the company searched the market for a solution to improve the management process of its financial product."
Benefits
Accipiens enabled 321 Crédito to address its primary need – ensuring the integration of all existing systems in a scalable manner. Additionally, it was essential for 321 Crédito that the solution be scalable, process-simplifying, and user-friendly, seamlessly integrated with Microsoft tools to ensure reliability and ease of use.
- End-to-End Solution Manages all steps of the contract’s lifecycle
- Integration of All Legacy Applications Managing different business lines on a unified, scalable application
- Scalable Solution Adaptable in terms of business lines, number of users, and infrastructure
- Digitalization Enabler Provides interfaces to external stakeholders and facilitates the transition to paperless operations.
- Streamlined Processes Emphasizes a process-oriented application for enhanced operational efficiency
- 360º View of Entities Offers a comprehensive view of entities regardless of their contract role (customer, supplier, guarantor, etc.) and their existing contracts.
What’s Next
321 Crédito is focused on investing in process digitalization and relies on the Accipiens application as a key driver in these digitalization efforts. The organization is launching several projects in this area, including:
• 321 Go – A new project for the customer portal.
• Launch of the Lawyer’s Portal – Initiating a portal specifically designed for legal professionals.
• Digital Signature Process – Implementing a streamlined digital signature process.
Additionally, the organization is entering a new phase aimed at training its employees, in collaboration with the VTXRM Academy. VTXRM continues to provide support throughout these projects, ensuring that 321 Crédito has access to the best possible solutions and services.
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