Challenge
A European bank wanted to approve loans in under 30 minutes, while customers were still in the branch. The problem: a single loan application touched different back-end systems, each using a different interface, authentication method, and security protocol. Without shared middleware, connecting all of them meant a web of point-to-point integrations. Manual handoffs between branch, risk, and back-office teams added delay at every step, and every process change risked breaking every connection.
Solution
IWConnect built a SnapLogic iPaaS integration layer connecting the loan origination BPMS to all seven back-end systems: Core Banking (SAP), Collateral Management, KRIMI Rating, the Credit Score Bureau, the National Bank’s credit registry, risk analytics, and a payments system. SnapLogic acts as a facade so legacy systems connect to one platform, not to each other. Scoring, registry, collateral, and fraud-check data is retrieved automatically. Authentication across all systems was standardized inside SnapLogic’s API management layer, and the hybrid architecture kept all data within the bank’s network.
Business Value
Within six months of go-live, average loan processing time dropped 60 to 80 percent. Loans are now approved in under 30 minutes, with the customer still in the branch. Manual handoffs between teams fell by 50%, and 95%+ of data checks now run automatically. The integration layer runs at 99.5%+ availability during business hours.
Download the full case study to see the technical architecture, integration approach, and implementation details.
