E-Signature application in Business Process Management Loan Application Processing The Prototype

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E-Signature application in Business Process
Management Loan Application ProcessingThe
Prototype

• Baltic ITT 2007 Conference
• Riga, April 18-20 2007
• Juris Scerbickis
• CEO
• D8 Latvia SIA

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Contents

• Introduction to D8
• E-Signature in the context of BPM
• Loan Application Processing prototype
• Q/A

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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

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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

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D8 facts (continued 2)

• Some of key customers are

Latvian Savings Bank Riga
Parex Bank Baltics
Hipoteku Banka Riga
Aizkraukles Banka Riga
Rietumu Banka Riga
Hansabank Group Baltics
Jordan Investment and Finance Bank Jordan
Jordan Kuwait Bank Jordan
Ukrainian Financial Network Kiev
Latvenergo Riga
Year 2006 E-Signature Project for Latvian Post
(as Microsoft subcontractor)
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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 )

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Loan Application ProcessingThe 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

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Business Process Prototyped
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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

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MS SharePoint Server

• Used as
• Content Management System
• Workflow hoster
• Web based forms presenter
• Collaboration Portal Hoster

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Electronic FormsMS 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
• Dont 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

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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)

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Signature Verification
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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.

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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

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Thank you for your attention!
If you require further information, please visit
our website at www.d8.lv for contact details.