Branch loans in under 5 minutes
Retail bank
The problem
A retail bank took up to 40 minutes per customer to open accounts and issue loans, with paper forms, manual ID checks and wet signatures.
What we built
One paperless branch workflow joining token queues, OCR on identity documents, facial recognition, digital signatures and direct credit bureau checks.
The slow part was never the credit decision. It was the paperwork around it. Staff re-typed details from identity documents, waited on manual verification, and collected signatures on paper before a bureau check could even start.
The new flow starts when the customer takes a queue token. Identity documents are scanned and read by OCR at the first desk, facial recognition confirms the person matches the document, and the credit bureau is queried directly from the same screen. By the time the customer sits down with an officer, the data is already verified and the underwriting decision is ready.