Bank · onboarding cyfrowy w 10 minut
90 minutes of paperwork, 4 days of waiting.
The bank’s onboarding cyfrowy was a façade. The form looked modern, but every submission triggered manual KYC review, paper signatures couriered between branches, and a back-office reconciliation that averaged 4.2 business days.
Drop-off was 68%. Neobanks were eating the under-35 segment at 4x the bank’s acquisition rate. Compliance had flagged 14 regulator findings in 18 months — all rooted in process opacity.
Mapped the real journey, not the diagram
Two weeks shadowing the back-office. Found 38 handoffs in what the org chart showed as 6. Rebuilt the target state around 4 automated checkpoints.
FSC at the core, MuleSoft as the spine
Financial Services Cloud became the customer record. MuleSoft orchestrated 11 external systems: RUT validation, AML screening, sanctions lists, the core banking platform, branch printers and audit logs.
Init.Sign for legally-binding e-signature
Replaced the paper-signature courier with Init.Sign electronic signature compliant with Ley 19.799 and equivalent regional regulation. Documents stored with audit chain in Salesforce.
Inithex Monitoring SOC from day one
24/7 SIEM-tuned monitoring of the new digital channels. Blocked a credential-stuffing campaign targeting the new onboarding flow within the first week of launch.
“Inithex did not just deliver a szybsze form. They redesigned the operational model behind it, with our compliance and security teams in the room from day one.”