E-Signature application in Business Process Management Loan Application Processing The Prototype Baltic IT&T 2007 Conference Riga, April 18-20 2007 Juris.

E-Signature application in Business Process Management

Loan Application ProcessingThe Prototype

Baltic IT&T 2007 ConferenceRiga, April 18-20 2007Juris ScerbickisCEOD8 Latvia SIA

Contents

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

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

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

D8 facts (continued 2)

Some of key customers are:

Latvian Savings Bank Riga

Parex Bank Baltics

Hipotēku 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)

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 …)

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

Business Process Prototyped

Business Process Workflow Design

D8 used MS Visual Studio to describe BP workflow Almost no programming Understandable for non-IT

personnel

Workflow is the software implementation of Workflow is the software implementation of business process or business logicbusiness process or business logic

It provides:

TransparencyTransparency

FlexibilityFlexibility

ExtensibilityExtensibility

MS SharePoint Server

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

Electronic Forms are used to Allow quick design of new forms Split data presentation from business logics Avoid unnecessary programming

Electronic forms are ubiquitous Don’t 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

Electronic FormsMS InfoPath 2007

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)

Signature Verification

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.

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

Thank you for your attention!

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