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Credit Card Application Processing SystemThe Client IKANO Financial Services Limited, a part of The IKANO Group, operates throughout Scandinavia and Germany, providing a range of easy-to-use financial services. Its UK business is based in Nottingham and was established in 1994. IKANO provides customized convenient financial products and support services, including multi-product credit services to multiple retailers, store and budget card, interest free credit and interest bearing loan agreements.
What IKANO wanted IKANO Financial Services' key differentiators in the retail credit market are its customisable service and prompt respond to requests for new or altered services. The company needed an Application Processing System which should be economic to modify in terms of time and money, to meet the changing business requirements. Some of their expectation in the new system includes:
The client also requested that all applications should use bespoke strategies which require up-to-the-minute, in-house maintenance to effectively manage risks and to minimize exposure to fraud. Approach Abstract Technology helped IKANO realize its goal by implementing the following main functions of the Application Processing System:
Abstract Technology separated the business logics from the business presentation. This increased the flexibility and scalability of the system. And the system also had COM+ packaged in the Data access layer, which supported most of the large and middle sized database. Abstract Technology optimised the algorithm in the business logic, making the system more robust and convenient. Benefits With the above solution, Abstract Technology developed the system to achieve the application processing with a targeted two minutes from initiation to decision, eliminating the errors and unreliability in the existing credit card application system. Other achievements included:
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