DMS for Raiffeisenbank

Digital processing of payment orders

PossibleRisks and weaknesses
  • Regular collection and shipment to headquarters in vehicles (order entered at headquarters)
  • Entering the order into the system directly at a branch
  • Scan at the branch, send by e-mail to the headquarters (order entered at headquarters)
  • Inconsistent, fragmented method of processing
  • No traceability, missing overview of the current state of processing
  • Low degree of control when orders are entering the system, risk of errors (human factor)


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).

ChangesBenefitsCost 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 stateNew state
  • Messages were downloaded at night. In the morning, attachments were printed out by printer operators and manually sorted in queues.
  • These queues were then assigned to messages in the system
  • From some of them, a list of people (mandatories) was manually copied to excel files and imported to another system
  • Messages are downloaded at night and immediately sent to Captiva system for sorting. The sorting is based on a search for keywords in the text of the attachments of all messages
  • The result of the sorting is automatically returned back to the original system.
  • Lists of people from individual messages are then taken from some queues.
  • When employees arrive at work in the morning, messages are already sorted.
  • Operators open the application's GUI and check automatically mined values, making additions if required.
  • The submission to other systems is automatic

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