DMS for Raiffeisenbank
Digital processing of payment orders
|Possible||Risks and weaknesses|
Optimalisation of the process
- Lengthy and risky collection in vehicles replaced by a scan of payment orders directly where they were filled out – everything is done using a standard web browser.
- Bankers at over one hundred branches of Raiffeisenbank a.s. send scanned payment orders electronically to backoffice while maintaining instant overview of the current status of their processing.
- The type of payment order is recognized automatically at headquarters based on its appearance.
- After receipt, each order is checked by 4 eyes – 2 human, 2 'automatic'. The signature of the client is compared to the signature on record and the order is sent to subsequent systems.
To recognize handwritten text in fields and tables and identify document type, the EMC Dispatcher for InputAccel technology is used, enhanced by an extensive system for checking business rules and integration with banking systems. Scanning and transfer of documents is performed by EMC Captiva eInput software. The overall solution uses the EMC Captiva InputAccel digitization chain (workflow, load balancing, HA).
|Changes||Benefits||Cost savings more than 50 %|
Branches equipped with scanners and the browser application for scanning payment orders
Developing an application for OCR and data verification, including business controls and integration with banking systems
Developing the eStat application for an overview of current processing status and history
Consistency of processing methods, elimination of vehicle collection costs & Better traceability
Reducing the error rate of orders entered into the system, 4-eye check
Targeted responsibility, data on every step of the processing of each payment order
Saving costs for the collection of payment orders and in other branch activities
Time saved in typing
All scanned payment orders are processed the same day. Reduction of the operation risk of incorrect data typing
Automatic data message processing
Every day, the distraint department receives from hundreds to thousands data messages with have to be first sorted into queues (by type) and then submitted for processing. From some queues, a list of people is taken (names, ID numbers etc.) and sent to another system for processing. There are legal time limits for sending a response.
|Original state||New state|
Cost savings more than 60 %
- A considerable reduction in the time required for sorting and extraction
- Reduces the risk of failing to comply with legal deadlines, considerable savings in printing and paper costs