{"id":4758,"date":"2022-12-23T12:10:26","date_gmt":"2022-12-23T11:10:26","guid":{"rendered":"https:\/\/www.intesa.it\/fca-bank-il-finanziamento-e-digitale\/"},"modified":"2025-10-30T10:12:09","modified_gmt":"2025-10-30T09:12:09","slug":"fca-bank-il-finanziamento-e-digitale","status":"publish","type":"post","link":"https:\/\/www.intesa.it\/en\/fca-bank-il-finanziamento-e-digitale\/","title":{"rendered":"CA Autobank: loans go digital"},"content":{"rendered":"

Success Stories: Experiences in the Digital Sphere told by Businesses Themselves<\/h2>\n

Launching a digital transformation means more than integrating new features or going paperless: digital transformation is a journey, made up of analysis, design, not to mention financial and other investments.<\/p>\n

The ultimate benefits must, of course, be responsive to the initial need, but they will also have a ripple effect on other company processes<\/strong>, and therefore on the evolution of the business itself. The collaboration between FCA Bank and Intesa is a prime example: here\u2019s FCA Bank’s success story.<\/p>\n

\"\"<\/p>\n

Customer Experience: What you Get is More<\/em> than What you See<\/h3>\n

FCA Bank began its journey in 2018. \u201cThe right solution at the right time,\u201d you might say \u2013 beginning in April 2020, FCA Bank began offering its customers a fully digital loan application<\/strong>, which can be started and completed online by the customer independently, no customer-service agent or banker required.<\/p>\n

Customer identification is a key step in the application process. Customers are prompted to take a few very simple steps: scanning their ID using their device\u2019s camera, and making a few small movements with their head in order to identify their face and profile. Behind those simple actions, and a breezy customer experience, is a technological infrastructure predicated on artificial intelligence, ensuring unambiguous identification<\/strong> that:
– Verifies that the documents scanned by the user are real and valid
– Compares the face of the person submitting the application with the photo on the ID using biometric facematching
– Runs a \u201cliveliness\u201d check to make sure that the applicant is a human and not a bot<\/p>\n

But the benefits don\u2019t stop there. In a recent interview with AziendaBanca*<\/strong>, Luca Pollano, Head of the Digital and IT Department at FCA Bank, noted: \u201cThe entire procedure is automated, and completed remotely and seamlessly in just a few minutes. There’s a dual benefit: improved customer experience, and back-office optimisation<\/strong> both on the dealership and on the bank sides. This ensures process security and tracking, as well as compliance with Italian and EU banking regulations.\u201d<\/p>\n

Microservice Architecture<\/h3>\n

The platform is presented to the customer as a single, stand-alone interface, but the back office is made up of tiers of microservices that can be used one at a time<\/strong> by various bank departments. This ensures scalability and integration with other systems, available services and markets<\/strong>. In so doing, FCA Bank can extend the platform to loans for pre-owned cars, as well as to the French, Spanish, English, and German markets.<\/p>\n

Advantages Across all Levels<\/h3>\n

The microservice structure serves to streamline back-office operations for dealers and bank alike<\/strong>. The bank can count on digital documents that are more accessible and easier to file.<\/p>\n

Another extremely positive impact of FCA Bank’s digital transformation came in the compliance arena: the self-onboarding platform complies with the very detailed rules for the KYC procedures<\/strong>.<\/p>\n

From customer experience to back office to regulatory compliance<\/strong>: for FCA Bank, this digital transformation is just the start of a more significant trajectory to move car sales, which as yet continue to require a dealer, to an e-commerce model.<\/p>\n

During that same interview as cited previously,* Pietro Lanza<\/strong>, General Manager of Intesa and Blockchain Director for IBM Italia, noted: \u201cWe are starting on this path towards innovation side-by-side<\/strong> with our customers. We aren’t just looking for the best solution for the here-and-now, we are designing for the future evolution of their core business<\/strong>\u201d.<\/p>\n

* Source: Need a car loan? Now you can get one online, AziendaBanca<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Success Stories: Experiences in the Digital Sphere told by Businesses Themselves.<\/p>\n","protected":false},"author":3,"featured_media":4050,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[180],"tags":[179],"class_list":["post-4758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solutions","tag-onboarding"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t