E-Signature application in Business Process Management Loan Application Processing The Prototype Baltic IT&T 2007 Conference Riga, April 18-20 2007 Juris Scerbickis CEO D8 Latvia SIA
Contents
Introduction to D8 E-Signature in the context of BPM Loan Application Processing prototype Q/A
D8 facts
Software Development and Integration company.
Located in Riga Subsidiary in Kiev
Established in 1998 Current number of staff: 40 Core Markets:
Baltics CIS (Ukraine)
Targeted: Kazakhstan, Russia
Middle East Central Africa
Targeted Customers:
Financial Sector (e.g., Banks) State Funded Projects
D8 facts (continued)
Core Business competencies
Banking and Finance Utilities
Products
Payment delivery solutions for Financial Organizations
Payment Cards Internet-banking Mobile-Banking
Risk Management Systems Loyality Solutions
Services
Software Development Business Process Design and Implementation Project Management
D8 facts (continued 2)
Some of key customers are: Latvian Savings Bank
Parex Bank
Riga Baltics
Hipotēku Banka
Aizkraukles Banka Rietumu Banka Hansabank Group Jordan Investment and Finance Bank Jordan Kuwait Bank Ukrainian Financial Network Latvenergo
Riga
Riga Riga Baltics Jordan Jordan Kiev Riga
Year 2006 – E-Signature Project for Latvian Post (as Microsoft subcontractor)
Business Process Management (BPM)
BPM focuses on – how to make processes
More effective More efficient More capable to adapt (being it financial services, healthcare or public sector)
E-Signature in the context of BPM
Lets more activities to be automated Lets more documents to be processed digitaly Lets more activities to be done remotely Lets more activities to be done in a secure way Etc. (helps to run processes faster …)
Loan Application Processing The Prototype
Microsoft and The Banking industry Objectives:
Build a prototype of Loan Applications Processing Solution on top of latest Microsoft platforms and tools
MS SharePoint® Server MS InfoPath® MS Forms Service WF (MS BizTalk – next step)
Use E-signature within the prototype to automate more activities
Business Process Prototyped
Business Process Workflow Design
Workflow is the software implementation of business process or business logic It provides: Transparency Flexibility Extensibility D8 used MS Visual Studio to describe BP workflow
Almost no programming Understandable for non-IT personnel
MS SharePoint Server
Used as: Content Management System Workflow hoster Web based forms presenter Collaboration Portal Hoster
Electronic Forms MS InfoPath 2007
Electronic Forms are used to
Allow quick design of new forms Split data presentation from business logics Avoid unnecessary programming
Electronic forms are ubiquitous
Don’t know where they will be used Worth solving properly
InfoPath Forms Service
Offers server side generation and handling of forms Users do not require InfoPath client InfoPath handles document signing activity
Digitaly Signed Electronic Forms
Might be signed by multiple persons Easy signature verification
Form itself can verify the signature
Signature can also be verified by automated activity (program)
Signature Verification
E-Signature Based Decision Making Activities
Similarly like customers Electronic Form can be signed by banks employees involved in the decision making process Multiple employees can sign a form Workflow engine will check whether people signing the form do have a power to approve application.
General conclusions related to use of e-signature after development of the prototype
Electronic Forms (InfoPath) is flexible and easy way to start using e-signature
Does not require technical knowledge Does not require e-signature specific knowledge
Similar e-signature based applications processing might be easily implemented for other processes (in all type of organizations – governmental, private sector) Primary use of e-signature within application processing:
Contact-less application submission Interaction to various registers
Thank you for your attention!
If you require further information, please visit our website at www.d8.lv for contact details.