Multi-Functional Business Process Management Software for a Bank with $7.5B in Assets

Summary

ScienceSoft helped ONE Technologies, an Asian software development company specializing in financial IT, deliver a large-scale business process management system for a commercial bank with the fifth-largest asset volume in its domestic market.

About ONE Technologies

ONE Technologies is a full-service IT company focused on the banking and financial service sector. The company’s portfolio spans innovative fintech solutions for banking operations management, customer self-service, biometric authentication, and document e-signing.

ONE Technologies’ key client, a commercial bank with the fifth-largest asset volume in its domestic market, engaged the company to develop a web-based system for business process management (BPM). The system was to comprise several BPM apps with task-specific features and interfaces (e.g., for banking operations management, business process modeling, automation rule design, access controls). Creating a tailored solution with rich visual representation of banking processes and intuitive workflow modeling and management experiences for non-IT bank employees required specialized front-end skills. To avoid the high costs of growing these skills in-house and ensure timely releases, ONE Technologies opted to partially outsource the front-end tasks.

ONE Technologies had previously cooperated with ScienceSoft across a range of banking software development projects. The company appreciated our banking IT expertise and collaborative approach, so it decided to involve ScienceSoft’s engineers again.

Front-End Development for Task-Specific Banking BPM Apps

Within two weeks of the initial request, ScienceSoft provided ONE Technologies with a team of senior front-end developers who were experienced in creating custom BPM software. The team started by exploring the bank’s business processes, the existing UX/UI requirements for the task-specific BPM apps, and the UX wireframes prepared by the solution design team. Having analyzed the available documentation, our engineers shared their suggestions on optimizing user journeys and giving the apps a sleek look. ONE Technologies found the advice valuable and quickly accommodated the proposed design improvements.

After the design was approved, ScienceSoft moved to development. Throughout the consequent three years of cooperation, our front-end engineers helped ONE Technologies deliver the following components and features of the BPM system:

BPMN 2.0 compliant banking process constructor

ScienceSoft’s team created feature-rich interfaces for the visual modeling of banking processes, configuring process automation rules, and rule deployment across the bank’s systems. Our team integrated the open-source Camunda Modeler library featuring ready-made flowcharting components and built a custom web UI on top of standard library interfaces to address the bank’s specific modeling needs. This reduced the share of costly custom code and sped up development.

The key front-end elements our experts introduced are:

• A drag-and-drop modeling interface where banking teams can design and visualize service processes: customer onboarding and profiling, AML/OFAC verification, bank account opening, credit document validation and loan issuance, regulatory report filing and submission, and more.
• A toolbar with a library of customizable process templates and reusable components (process diagrams, DMN decision tables, forms, etc.) for streamlined modeling.
• A configuration panel to set and adjust properties of selected process elements (e.g., banking transaction processing sequences, approval hierarchies, decision-making rules, and account event triggers).
• A data mapping panel to navigate and configure source data for automated banking operations (e.g., specifying customer document pieces relevant to prescreening or mapping report fields to auto-populate with the bank’s accounting data).
• A process orchestration console to map rules and exception-handling flows for complex and non-standard banking scenarios (e.g., extending overdraft limits for premium customers, performing high-value currency exchange transactions outside regular banking hours).
• Comment and annotation widgets to let BPM team members leave notes on specific process elements for easy collaboration.
• A simulation console to test the modeled banking process scenarios and visually represent potential issues.
• An integration interface to port the designed processes and rules to the connected banking automation systems (an operations management platform, customer self-service apps, authentication solutions, and more). The rules can be deployed to production outright or introduced to a relevant development environment first.

ScienceSoft built the process constructor in compliance with BPMN 2.0, a globally accepted BPM standard offering a graphical notation intuitive to both business users and technical specialists. This would prevent misinterpretation of the bank’s service process models and streamline their conversion to software logic in cases involving high-code development.

Banking operations management platform

ScienceSoft’s engineers helped ONE Technologies develop the front-end part of the bank’s operations management platform. The delivered low-code web platform provides role-specific interfaces:

• Bank employee interface. Features customizable dashboards displaying the list of employee tasks, task statuses, the history of user activities, and role-specific transactional journals and document registries. Team members can file requests to other departments, generate documents and reports, and monitor operational performance and bottlenecks. Authorized employees can configure task-specific banking process automation rules.
• Auditor and regulator interface. Allows external auditors, legal advisors, and regulators to view the necessary documents and transactional records for auditing and verifying banking operations compliance.
• Affiliate and partner interface. Provides a panel with access to banking information and operational data sharing capabilities to the bank’s 20+ branches and fintech partners. ScienceSoft implemented quick search features for easy banking data navigation by affiliates.

Access management app

ScienceSoft created access control interfaces for the bank’s security and servicing teams:

• SQL-database-like resource registries showcasing banking resources (databases, apps, specialized financial service modules) and their access policies.
• Customizable role forms for creating and modifying banking user roles (e.g., financial analysts, customer service specialists, underwriters, system admins) and assigning role-specific access rights.
• User profile templates for adding and editing user information, defining user roles, and assigning role-based permissions.
• An access request management panel displaying access requests, their processing statuses, and the data relevant for decision-making (requestor data and role, system security level, etc.).
• An authentication management console to set up authentication requirements for different banking users and roles, manage authentication methods (email, SMS, dedicated apps, etc.), and configure notification flows.
• User management dashboards providing a detailed view of banking system users, their roles, access levels, and recent activity (including successful and failed login attempts, permission changes, access requests, and compliance statuses).

Banking network bridge management app

Collaborating closely with ONE Technologies’ back-end developers and the bank’s IT specialists, ScienceSoft created interfaces for managing the communication between the server-side components of the banking IT system and between the banking back end and external systems (legal registries, credit platforms, etc.). Using the app, the bank’s network admins, DevOps engineers, and analysts can:

• Create and view the list of back ends (transaction processing engines, app servers, databases, external registries, etc.) and connected endpoints (bank employee, customer, and partner devices).
• Map the query processing steps and data flows between the back-end components.
• Configure banking network access gateways for endpoints.
• Configure default and backup back-end connection protocols, query distribution and authorization flows, session timeouts, and back-end communication health checks.
• Monitor data flows between the systems (ad hoc and via scheduled auto reports based on event logs).

ScienceSoft’s front-end developers cooperated with ONE Technologies and the bank’s stakeholders using the Agile methodology. Our experts were taking part in 2-week sprints and continuously shared their ideas on the development process and BPM solution value improvements.

Key Outcomes for ONE Technologies

• Quick access to specialized front-end development competencies, which contributed to faster releases and minimized risks of project delays.
• Eliminated costs of growing the missing front-end skills in-house, which helped ONE Technologies retain competitive development rates and meet the agreed budget.
• High quality and value of the delivered BPM apps due to ScienceSoft’s advice on UX improvements and the domain-specific development skills of our front-end engineers.

Key Outcomes for the Bank

• Enhanced BPM team productivity due to prompt and intuitive design, modeling, implementation, monitoring, and adjustment of banking processes.
• Improved operational efficiency and simplified compliance with internal and regulatory rules due to standardized and optimized service operations.
• Streamlined digitalization of banking workflows, allowing for an agile response to growing customer expectations and a swift launch of new digital banking products.

Techs and Tools

Angular, Redux, Material UI, Nginx, RxJS, dmn-js, NgRx, Nx, webpack, WebSockets, Camunda Modeler, SCSS, TypeScript.