实例探究 > Westpac New Zealand is investing in an efficient mobile future

Westpac New Zealand is investing in an efficient mobile future

公司规模
1,000+
地区
  • Pacific
国家
  • New Zealand
产品
  • Blink Mobility Platform
  • Mobile Mentor
技术栈
  • HTML5
  • jQuery
实施规模
  • Enterprise-wide Deployment
影响指标
  • Customer Satisfaction
  • Productivity Improvements
  • Revenue Growth
技术
  • 应用基础设施与中间件 - 数据交换与集成
  • 应用基础设施与中间件 - 中间件、SDK 和库
  • 平台即服务 (PaaS) - 应用开发平台
适用行业
  • 金融与保险
适用功能
  • 商业运营
  • 销售与市场营销
用例
  • 质量预测分析
  • 过程控制与优化
  • 远程协作
服务
  • 软件设计与工程服务
  • 系统集成
关于客户
Westpac New Zealand is part of the Westpac Group of companies and is one of Australasia’s four major banks. With around 1.2 million customers, Westpac NZ employs more than 5,000 people, runs 200 branch operations, and provides full-service banking facilities to consumers, agri-business, and corporations alike. Westpac also works with 800 independent mortgage advisers in New Zealand, who are third-party advisers consulting end-clients on a wide range of loan options.
挑战
Westpac NZ’s Third-Party Banking team identified an opportunity to streamline the loan application process for independent mortgage advisers. They needed a mobile app to build efficiencies into the mortgage application process, ensuring time savings for data entry and reuse, increased accuracy, and greater accountability. The app also needed to provide a better end-customer experience by reducing the waiting period and giving applicants conditional approval upon submission. The app had to cater to a 'BYOD' scenario, ensuring a seamless user experience across multiple devices and operating systems, with strict security requirements for integration into the core banking system and data transfer. Additionally, Westpac needed the app quickly to gain a first-mover advantage.
解决方案
Westpac NZ partnered with Enterprise Mobility specialists Mobile Mentor and Australian-based app development platform provider OneBlink. The Blink Mobility Platform provided development tools to create mobile apps across various devices using modern web technology like HTML5 and jQuery. The platform handled system integration, security, communications, scalability, offline operation, and cross-platform support. It also provided back-end services, deployment, and operational infrastructure. Many of Westpac’s requirements were met with the platform's 'out of the box' capabilities, allowing developers to focus on streamlining custom workflows and integration. An agile development approach was adopted, involving Westpac’s Third-Party Banking team and a pilot group of 12 mortgage advisers. Mobile Mentor conducted a study of the loan application process to ensure the app followed the mortgage advisers’ workflow. The app was developed in around 11-12 weeks and tested by a pilot group of 75 advisors before being rolled out to all 800 advisers and their staff.
运营影响
  • Westpac achieved significant results verified by an independent TEI study by Forrester Consulting.
  • Loan processing time was reduced by 30%.
  • Service levels improved from 41% to 74%.
  • 55% of applicants now receive 'conditional approval' in 60 seconds, compared to the previous 2 days.
  • Westpac set targets for the percentage of all loans to be submitted via the app, achieving 25% by month six, 60% by month 10, and 98% by month 18. At the time of writing, Westpac was in month 7 and far exceeded their 6-month target.
数量效益
  • A 6% market share increase in the NZ 3rd Party Advisers home mortgage market of NZ$11 Billion.
  • 3rd party banking revenue increased by 116%.

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