How process platforms are transforming banking operations

Asseco PST has recently created a new business unit called Banking Processes to support financial institutions along with their digital transformation journey. This initiative comes at a time when banks face increasing pressure to enhance operational efficiency, ensure regulatory compliance and elevate the customer experience — challenges that require a continuous rethinking of core processes.

The financial sector is undergoing rapid change. Digital onboarding — covering account opening, credit origination, foreign operations, credit cards and insurance — has now evolved from an emerging trend to a clear competitive necessity.

At the center of this transformation lies the concept of a banking process platform, capable of orchestrating end‑to‑end activities across the entire customer lifecycle. These platforms support workflow design, definition of business rules, allocation of tasks to digital and back‑office channels and ensure full traceability and real-time compliance with both internal and regulatory requirements.

To reinforce this strategic focus, Asseco PST has centralised the development and implementation of its process‑driven solutions within the new business unit. Below is an overview of key initiatives underpinning reliable, comprehensive and efficient digital operations.

Digital Account Opening — Asseco PST’s platforms support the configuration of tailored digital onboarding journeys, including biometric data capture, identity verification and digital signature. At the same time, they enable the creation of entities, customers and accounts at branch level, ensuring consistent experience across both digital and in‑branch channels.

Digital Credit — Fully digital credit origination remains one of the areas with the greatest potential for efficiency gains. The solution ensures that proposals, simulations, contracts, guarantees and supporting documents are stored with full interaction history and traceability.

Foreign Operations — Foreign transactions continue to be governed by strict regulatory standards, demanding rigorous documentation control and adherence to foreign exchange requirements. The platform supports the design of workflows that standardise information capture, document validation, limit checks and the application of FX rules.

Insurance Subscription — By managing insurance as another orchestrated process within the platform, banks can standardise controls, reduce inefficiencies and improve transparency for their customers.

Document Management — Complementing its process solutions, Asseco PST has developed GDOC, a digital document management module that ensures automatic, structured archiving of documentation. Files remain searchable via logical business keys. Acting as an extension of the process platform, GDOC strengthens auditability, streamlines operational workloads and reduces risks associated with data loss, outdated versions or dispersed documentation.