Consdata

Banking software shaped by the Polish market

Consdata develops software that banks and insurers use to sell and serve customers through internet and mobile channels. It points to Poland, where it has worked for years, as a banking market that has reached a high level of digital maturity, citing a 2016 Deloitte report on Central European banking, and it says its own services have contributed to that. The company's current focus is digital onboarding and digital sales, built around a platform called eximee.

The eximee platform and digital sales

eximee is described as a front end for digital sales. A bank uses it to build application forms and whole sales journeys, with the aim of making opening an account or taking out a product as easy as possible for a new customer. The same tooling supports online and mobile up-selling and cross-selling, which the company presents as a route to higher revenue for retail, small business and corporate banking.

Self-service for customers

Consdata offers a self-service platform that connects to the bank's own systems. It says customers can handle more than 200 kinds of banking matter online without visiting a branch or phoning, and it ties this to higher satisfaction with service. Case studies on its site cover omnichannel insurance sales at a large Polish bank, fully online credit applications, and a corporate banking system delivered quickly using the ready-made platform.

Talking to the bank through a browser

For clients who want contact with staff, the company provides video, voice and screen sharing that runs in a web browser. It argues that live contact has long since overtaken other ways of reaching a bank, and that sharing a screen or a video call lets staff help with products in real time. The tools are also presented as a way to serve existing customers when branches are closed.

Corporate banking and government services

Its electronic banking offer covers corporate and small business customers, and the company says clients value it most for broad functionality. It also stresses what customers do not see: security, current technology and dependable integration with the bank's back end. The product range includes banking support for government welfare services, and the sector coverage spans retail banking, corporate and SME banking, and insurance.