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A regional bank halved the cost of every mortgage package.

Manifest automated the bank's customer onboarding workflow for its mortgage broker channel, on a private cloud, live twelve weeks after contract.

SectorRegional bank
Scale150 branches
Live in12 weeks
50%+lower cost per customer package
Headline resultMortgage broker channel
contract to live in twelve weeks
50%+cost reductions
½the cost per customer package
12 weeksfrom contract to installed
150branches
01 · CHALLENGE

A digital channel full of manual processes.

The bank expanded its service offering for mortgage brokers to improve turnaround times and efficiency in its home loan application process. Its digital channel for signing up customers relied on many manual processes, and it took too long to process customers wanting loans and other products.

too long to process a loan
02 · APPROACH

Customer onboarding, automated.

Manifest automated the customer onboarding workflow and the entire product acceptance process. The APRA security platform made the solution easier to approve, and it was installed in 12 weeks.

COSTHalved per packageFees to the bank became variable, paid per package.
ACCEPTANCEFully automatedThe entire customer product acceptance process.
QUALITYFewer errorsPackage error rates decreased.
03 · OUTCOME

Mortgages issued in around three months.

Delivered on a private cloud, with mortgages issued in around three months from contract. Initial tactical package creation moved to strategic integrations over time, and more automation in the broker channel boosted customer sales growth.

From contract to scale.

Delivery timeline
  1. DAY 1Contract signed
  2. WEEK 12Solution installed

    Mortgages issued in around three months from contract.

  3. OVER TIMEStrategic integrations

    Tactical package creation moved to strategic integrations.

In their wordsCustomer voice
“We don't have the total cost of ownership with the platform. We don't have to manage the infrastructure, we don't have to manage the upgrades. All of that is covered off.”
Australian regional bank

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Cost per customer package
Before
After
cost per package halved

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