高级分析可帮助银行在实现贷款审批流程自动化的同时提供个性化贷款优惠
公司规模
Large Corporate
地区
- Europe
国家
- Poland
产品
- IBM Power 720 AIX Solution Edition
- IBM Power 730 AIX Solution Edition
- IBM Operational Decision Manager
技术栈
- IBM Global Business Services — Application Innovation Services
- IBM Global Technology Services — Integrated Technology Services
实施规模
- Enterprise-wide Deployment
影响指标
- Customer Satisfaction
- Revenue Growth
- Productivity Improvements
技术
- 应用基础设施与中间件 - API 集成与管理
适用行业
- 金融与保险
适用功能
- 销售与市场营销
- 商业运营
用例
- 质量预测分析
- 补货预测
服务
- 云规划/设计/实施服务
- 数据科学服务
关于客户
ING Bank Śląski 隶属于 ING 集团，该集团于 1991 年在波兰开展业务。该银行总部位于卡托维兹，拥有 7,000 名员工和 365 个分支机构。它为个人和企业提供零售和批发银行服务。该银行致力于保持其作为现代信贷银行的竞争地位，并不断寻找改善其服务和产品的方法。该银行的重点是提供响应迅速的多渠道贷款申请系统，可以快速高效地处理贷款申请。
挑战
ING Bank Śląski 隶属于 ING 集团，需要一种响应速度更快的多渠道贷款申请系统来保持其作为现代信贷银行的竞争地位。该银行还担心新产品和促销活动的上市时间以及贷款获批后的兑现时间。该银行希望有一个系统，它不仅可以近乎实时地批准或拒绝贷款，还可以分析客户资料，以便银行可以定制最终贷款。该解决方案还需要允许银行在推出新贷款产品之前模拟和创建最佳要求，从而加快上市时间并帮助银行实现收入最大化。
解决方案
ING Bank Śląski 使用 IBM Power 720 AIX 解决方案版本、IBM Power 730 AIX 解决方案版本和 IBM Operational Decision Manager 实施了基于规则的贷款申请系统。该系统旨在近乎实时地批准或拒绝信贷，并分析客户资料，以便银行可以定制最终贷款。该解决方案还允许银行在推出新贷款产品之前模拟和创建最佳要求，从而加快上市时间并帮助银行实现收入最大化。该解决方案的实施得到了 IBM 全球业务服务 — 应用创新服务和 IBM 全球技术服务 — 集成技术服务的支持。
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