Tag: Banking Software

How to Accelerate the Credit Risk Assessment Process in the SME Sector? Watch Our Webinar with SME Banking Club

7 November 2025

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We have joined the ecosystem of the Polish Financial Companies Association!

3 July 2025

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AMRON Center and VSoft are celebrating the implementation of the new AMRON III System

16 April 2024

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We are implementing the process of handling online loan applications for our client SKOK IM. FRANCISZKA STEFCZYKA

29 October 2020

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How to Accelerate the Credit Risk Assessment Process in the SME Sector? Watch Our Webinar with SME Banking Club

On November 5, a webinar organised by SME Banking Club took place, where we had the pleasure of joining as guests. Patryk Kozioł and Olena Gryniuk discussed one of the key challenges in the financial sector – automating the credit risk assessment process for SMEs.Inside VSoft Rating — How Technology Transforms Corporate Risk MonitoringDuring a short, 20-minute session, our Sales Account Manager, Patryk, demonstrated how technology can support analysts and risk teams in their daily work. We have already implemented this solution in many financial institutions, significantly improving client assessment and monitoring processes.Our expert explained how automation helps accelerate credit decisions, standardise data analysis, and increase transparency – from data collection to the final risk evaluation.In the webinar, we presented VSoft Rating – a comprehensive system for assessing corporate credit risk. It combines financial and qualitative analysis (including ESG factors), enables users to build rating ...

We have joined the ecosystem of the Polish Financial Companies Association!

Since May 2025, VSoft has been a member of the Polish Financial Companies Association (ZPF). This is an important step for us that confirms our commitment to the development of modern and responsible financial services in Poland.For many years, ZPF has been supporting companies in the financial sector, promoting good practices, and working to ensure transparency across the industry. The organization represents the interests of its members and promotes ethics, integrity, and high standards of cooperation with clients. These values are also close to our heart.For nearly 30 years, we have been creating technology solutions for financial institutions – both large organizations and smaller entities. Our mission is to support them in their everyday operations, improve efficiency, and help grow their businesses. Joining ZPF gives us the opportunity to engage even more actively in the ongoing dialogue about the future of the financial market in Poland. “We are truly excited to become a member of...

Open Banking and APIs – From Necessity to Value

In recent years, the banking sector has undergone a significant transformation. One of the driving forces behind this change is Open Banking and APIs (Application Programming Interfaces). Initially introduced as a regulatory requirement under the PSD2 (Payment Services Directive 2), Open Banking enables bank customers to share their data with selected entities, including fintechs, in a secure and standardized manner. This has granted customers access to new, more flexible financial tools that comprehensively meet their needs in one place.However, banks have not necessarily benefited from this transformation to the same extent. For many institutions, open APIs and Open Banking were initially considered necessary, with implementation bringing significant technological and operational challenges. For pioneers of this change, the opportunity to attract new customers and offer more competitive services became a tangible way to gain an advantage. The key aspect of this transformation is the role of APIs—interface...

AMRON Center and VSoft are celebrating the implementation of the new AMRON III System

We are happy to announce the completion of the first stage of the AMRON III project, i.e. the implementation of the new Real Estate Market Analysis and Monitoring System (System Analiz i Monitorowania Rynku Obrotu Nieruchomościami), after 15 months of intensive work.This project results from long-term cooperation and involvement of business partners - VSoft teams and Związek Banków Polskich, operationally represented by the AMRON Center. Our main goal was to create a system that effectively supports institutions in conducting in-depth analyses and monitoring trends in the real estate market while maintaining high technological and security standards.One of the key challenges was to design a new data structure, including a full description of property types, in line with the new Recommendation J. Together with the implementation of many validations and mechanisms to ensure high data quality, this was crucial to the success of the first stage of the project.An additional advantage is a ready-made API, prepar...

A fast and secure credit process requires advanced tools

Financial monthly “BANK”: today’s consumer is highly demanding, expecting at the same time security, convenience and 24-hour availability of banking services. How to create the tools responsible for credit processes to be able to meet both the customer’s expectations and the regulatory requirements? Jakub Rabong: We are dealing with the coexistence of four stakeholders: regulators in the broadest sense, end customers, banks as funding institutions and, of course, IT solution providers who develop systems according to banks’ requirements. Their collaboration to set and respect the standards of modern banking makes it safe, simple and able to benefit each of these four entities. The thing is, in the online world, ensuring a high level of security in the credit area faces a number of challenges. For example, there are systems, even several years old, which have not always been properly updated and adapted to the dynamically changing infrastructure. This results in some events in the bank’s oldest...

Credit systems and the central system in Banks

Credit systems can be presented as a set of solutions supporting the assessment of customers, transactions and risk when making decisions whether to enter into a contract or its further course. Examples of such solutions are our VSoft Credit and VSoft Rating products. In addition, systems responsible for credit processes can connect to other systems to deepen the analysis or provide added value to the assessment, e.g. using VSoft Connectors. Where is the central system in all this? Were does its name come from? What is it and what tasks does it perform? You will find it all out in the article below Terminology and scope of activity The central system is the main application (including its modules) that manages transactions, portfolios, customer data, products, collateral, accounting and settlements in the Bank. Of course, each bank may have a different, dedicated solution tailored to the scale and scope of its operations. However, let us assume for further work that there is currently one application...

Back-office processes in banks

When dividing the bank into process owners and their contractors, we must not forget that they operate within the organizational structure and competences assigned to positions/areas and tasks, resulting, among others, from strategic goals, KPIs or quality requirements etc. Due to its importance, each process can be carried out by one or more units or internal structures operating within a department or office. Joint arrangements and defining what is the beginning and end of the process are key to identify the responsibility and set SLAs. In the context of the arrangements that affect all structures in the bank, in particular some of the back office, servicing or, simply, operations/support processes, this division is extremely important. What operational processes are and what they are responsible for Operational processes affect every activity and one can say that they concern all structures within the company, from sales, through risk, to debt collection and human resources. But what really are op...

Usability design principles – UX in online credit processes

User experience (UX) wykorzystywane jest w procesie budowania wartości dodanej dla naszych klientów tj. użyteczność, łatwość, przyjemność w obsłudze oraz posiadanie specyficznego flow, które przyciągnie do naszego produktu i pozostawi na kliencie dobre wrażenia. Wykorzystujemy to m.in. w takich procesach jak: nowoczesna bankowość elektroniczna, procesy ofertowania, zdarzenia posprzedażowe i wszelkie inne, w których klient jest wykonawcą pewnych czynności w naszym środowisku. Jakimi zasadami powinniśmy się kierować, projektując procesy onlinowe dla banków, czy też dla innych instytucji finansowych? Co to znaczy – bazować na wymaganiach i głosie klienta? Czy jest nam to potrzebne? O odpowiedzi poprosiliśmy eksperta w sprawach UX i gorącą zwolenniczkę przekładania wymagań klienta na język „wdrożeniowców” Magdę Równicką – project managera ze świata bankowości, która od kilku lat z sukcesem wdraża projekty, bazujące m.in. na badaniu jakości, projektowaniu zwin...

We are implementing the process of handling online loan applications for our client SKOK IM. FRANCISZKA STEFCZYKA

Just before the summer we have started to work on expanding a credit process for our Client SKOK IM. FRANCISZKA STEFCZYKA. The implementation will involve launching an online loan application – so-called “one-click lending”. The project is a response to the current market requirements for credit processes, especially in the context of self-service solutions, in which the involvement of employees of financial institutions is limited to the necessary minimum or even to zero. The mechanisms such as initial verification of client needs, calculation, offer preparation, credit analysis, signing an application and loan activation can be run automatically. Recipients are able to conveniently fill in the application form online and quickly get the decision. The new solution will be based on the best practices of the current credit process and at the same time will be adapted to the requirements of full automation of the credit worflow, in which a person submitting the loan application is the initiator and ...