![\"\"](\"https:\/\/www.intesa.it\/wp-content\/uploads\/2020\/12\/Articolo_FCA-Bank.jpg\")
<\/p>\n
Customer Experience: What you Get is More<\/em> than What you See<\/h3>\nFCA Bank began its journey in 2018. \u201cThe right solution at the right time,\u201d you might say \u2013 beginning in April 2020, FCA Bank began offering its customers a fully digital loan application<\/strong>, which can be started and completed online by the customer independently, no customer-service agent or banker required.<\/p>\nCustomer identification is a key step in the application process. Customers are prompted to take a few very simple steps: scanning their ID using their device\u2019s camera, and making a few small movements with their head in order to identify their face and profile. Behind those simple actions, and a breezy customer experience, is a technological infrastructure predicated on artificial intelligence, ensuring unambiguous identification<\/strong> that:
– Verifies that the documents scanned by the user are real and valid
– Compares the face of the person submitting the application with the photo on the ID using biometric facematching
– Runs a \u201cliveliness\u201d check to make sure that the applicant is a human and not a bot<\/p>\nBut the benefits don\u2019t stop there. In a recent interview with AziendaBanca*<\/strong>, Luca Pollano, Head of the Digital and IT Department at FCA Bank, noted: \u201cThe entire procedure is automated, and completed remotely and seamlessly in just a few minutes. There’s a dual benefit: improved customer experience, and back-office optimisation<\/strong> both on the dealership and on the bank sides. This ensures process security and tracking, as well as compliance with Italian and EU banking regulations.\u201d<\/p>\nMicroservice Architecture<\/h3>\n
The platform is presented to the customer as a single, stand-alone interface, but the back office is made up of tiers of microservices that can be used one at a time<\/strong> by various bank departments. This ensures scalability and integration with other systems, available services and markets<\/strong>. In so doing, FCA Bank can extend the platform to loans for pre-owned cars, as well as to the French, Spanish, English, and German markets.<\/p>\nAdvantages Across all Levels<\/h3>\n
The microservice structure serves to streamline back-office operations for dealers and bank alike<\/strong>. The bank can count on digital documents that are more accessible and easier to file.<\/p>\nAnother extremely positive impact of FCA Bank’s digital transformation came in the compliance arena: the self-onboarding platform complies with the very detailed rules for the KYC procedures<\/strong>.<\/p>\nFrom customer experience to back office to regulatory compliance<\/strong>: for FCA Bank, this digital transformation is just the start of a more significant trajectory to move car sales, which as yet continue to require a dealer, to an e-commerce model.<\/p>\nDuring that same interview as cited previously,* Pietro Lanza<\/strong>, General Manager of Intesa and Blockchain Director for IBM Italia, noted: \u201cWe are starting on this path towards innovation side-by-side<\/strong> with our customers. We aren’t just looking for the best solution for the here-and-now, we are designing for the future evolution of their core business<\/strong>\u201d.<\/p>\n* Source: Need a car loan? Now you can get one online, AziendaBanca<\/em><\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
Success Stories: Experiences in the Digital Sphere told by Businesses Themselves.<\/p>\n","protected":false},"author":36,"featured_media":42068,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"
[et_pb_section bb_built=\"1\" admin_label=\"section\" _builder_version=\"3.0.71\" module_id=\"post-blog-intesa\"][et_pb_row admin_label=\"row\" use_custom_width=\"on\" width_unit=\"off\" background_repeat_1=\"no-repeat\" background_repeat_2=\"no-repeat\" _builder_version=\"3.0.71\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\"][et_pb_column type=\"4_4\"][et_pb_post_title _builder_version=\"3.17.6\" title_line_height=\"1.5em\" categories=\"off\" comments=\"off\" featured_image=\"off\" author=\"off\" border_style=\"solid\" date_format=\"j F Y\" \/][et_pb_text _builder_version=\"3.17.6\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\"]<\/p>
Storie di successo: le esperienze digitali raccontate dalle aziende<\/h2>
Customer identification is a key step in the application process. Customers are prompted to take a few very simple steps: scanning their ID using their device\u2019s camera, and making a few small movements with their head in order to identify their face and profile. Behind those simple actions, and a breezy customer experience, is a technological infrastructure predicated on artificial intelligence, ensuring unambiguous identification<\/strong> that: But the benefits don\u2019t stop there. In a recent interview with AziendaBanca*<\/strong>, Luca Pollano, Head of the Digital and IT Department at FCA Bank, noted: \u201cThe entire procedure is automated, and completed remotely and seamlessly in just a few minutes. There’s a dual benefit: improved customer experience, and back-office optimisation<\/strong> both on the dealership and on the bank sides. This ensures process security and tracking, as well as compliance with Italian and EU banking regulations.\u201d<\/p>\n The platform is presented to the customer as a single, stand-alone interface, but the back office is made up of tiers of microservices that can be used one at a time<\/strong> by various bank departments. This ensures scalability and integration with other systems, available services and markets<\/strong>. In so doing, FCA Bank can extend the platform to loans for pre-owned cars, as well as to the French, Spanish, English, and German markets.<\/p>\n The microservice structure serves to streamline back-office operations for dealers and bank alike<\/strong>. The bank can count on digital documents that are more accessible and easier to file.<\/p>\n Another extremely positive impact of FCA Bank’s digital transformation came in the compliance arena: the self-onboarding platform complies with the very detailed rules for the KYC procedures<\/strong>.<\/p>\n From customer experience to back office to regulatory compliance<\/strong>: for FCA Bank, this digital transformation is just the start of a more significant trajectory to move car sales, which as yet continue to require a dealer, to an e-commerce model.<\/p>\n During that same interview as cited previously,* Pietro Lanza<\/strong>, General Manager of Intesa and Blockchain Director for IBM Italia, noted: \u201cWe are starting on this path towards innovation side-by-side<\/strong> with our customers. We aren’t just looking for the best solution for the here-and-now, we are designing for the future evolution of their core business<\/strong>\u201d.<\/p>\n * Source: Need a car loan? Now you can get one online, AziendaBanca<\/em><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Success Stories: Experiences in the Digital Sphere told by Businesses Themselves.<\/p>\n","protected":false},"author":36,"featured_media":42068,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":" [et_pb_section bb_built=\"1\" admin_label=\"section\" _builder_version=\"3.0.71\" module_id=\"post-blog-intesa\"][et_pb_row admin_label=\"row\" use_custom_width=\"on\" width_unit=\"off\" background_repeat_1=\"no-repeat\" background_repeat_2=\"no-repeat\" _builder_version=\"3.0.71\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\"][et_pb_column type=\"4_4\"][et_pb_post_title _builder_version=\"3.17.6\" title_line_height=\"1.5em\" categories=\"off\" comments=\"off\" featured_image=\"off\" author=\"off\" border_style=\"solid\" date_format=\"j F Y\" \/][et_pb_text _builder_version=\"3.17.6\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\"]<\/p>
– Verifies that the documents scanned by the user are real and valid
– Compares the face of the person submitting the application with the photo on the ID using biometric facematching
– Runs a \u201cliveliness\u201d check to make sure that the applicant is a human and not a bot<\/p>\nMicroservice Architecture<\/h3>\n
Advantages Across all Levels<\/h3>\n
Storie di successo: le esperienze digitali raccontate dalle aziende<\/h2>