Co-Organization Banking Platform for Unified Account Opening

Sales Forecast Application

What was the challenge

A financial institution managing multiple product onboarding journeys experienced operational and technical inefficiencies:

Separate onboarding workflows for each product
Complex eligibility and rule validation
Dependency on multiple backend systems
Transaction consistency challenges
Performance and error handling issues
Limited scalability for future offerings

Why change was necessary

To support digital banking expansion, the organization required a scalable platform capable of:

Centralizing account origination
Standardizing multi-product onboarding
Reducing operational complexity
Improving reliability and performance
Enabling configurable product expansion
Maintaining enterprise-grade stability

How the solution was built

Architecture and Tools Used

Built on Mendix Low-Code Platform

● Private Cloud Deployment

● REST API integrations

● Configurable Business Rules Engine

● Asynchronous processing framework

● Centralized logging and monitoring

Core Architecture

The Co-Organization module was designed using a layered modular architecture enabling

● Central orchestration

● Reusable components

● Loosely coupled integrations

● Configuration-driven product setup

● Scalable and maintainable framework

Process flow

Customer onboarding initiated
Product eligibility evaluation
External validation checks
Status tracking and confirmation
Account creation processings

What we delivered

Modular low-code account origination platform featuring

Unified onboarding journey

Multi-product support

Centralized orchestration

Transaction monitoring

Configurable product setup

Reusable assets created

Core onboarding modules
Business rule templates
Integration connectors
Logging and monitoring utilities

Business impact

80%

Reduction in onboarding complexity

70%

Faster product configuration

90%

Improved transaction reliability

100%

Centralized onboarding visibility

75%

Reduction in manual validation effort

Is your banking onboarding future-ready?

If onboarding still depends on product-specific workflows and fragmented integrations, modernization becomes critical.

01

Centralize onboarding processes

02

Integrate enterprise systems

03

Scale securely using low-code architecture