Kreditni_Proces - automatizacija i standardizacija u cilju efikasnijeg poslovanja - Tadej Drmaž, Žejn
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ABBYY Effective Business Day 4, 23.05.2013. Kreditni_Proces - automatizacija i standardizacija u cilju efikasnijeg poslovanja Tadej Drmaž, Žejn
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Kreditni_Proces - automatizacija i standardizacija u cilju efikasnijeg poslovanja - Tadej Drmaž, Žejn
- 1. doc.: Efikasno upravljanje poslovnim procesima kredita EBD, Beograd, 23.5.2013
- 2. Žejn d.o.o. • razvoj DMS in BPM alata • vertikale: – pravne kancelarije; – poslovne banke; – zdravstvo; • države: – Albanija; – Bugarska; – Bosna in Hercegovina; – Brazil; – Crna gora; – Hrvatska; – Makedonija; – Srbija; – Ukrajina; • partneri: – ABBYY technology distributor for ex-Yu territory – IBM advanced partner – Fujitsu advanced partner – ...
- 3. ShakeSpeare™ produkti • Pravne kancelarije(Shake Law Office) • Kontrola kvaliteta (Shake Quality Assurance) • Pisarnica (Shake Mail room) • Likvidacija faktura(Shake Invoice Processor) • Ugovori (Shake Contracts) • Accountants (Shake Accountants) • Krediti (Shake Loans) • Service/call center management (Shake Service Desk) • project and marketing departments (Shake Project) • Sales management (Shake Sales) • OCR related products: – ID’s recognitions (Shake ID’s recognition) – Scanning and recognition of Questionnaires (ABBYY FlexiCapture);
- 4. • brže izvođenje poslovnih procesa • dokumenti u papirnoj formi ne cirkuliše u organizaciji: – digitaliziranje papirnih dokumenata (skeniranje) – uvoz elektronskih dokumenata u sustav – elektronsko distribuiranje dokumenata u organizaciji – elektronska izmena dokumenata s partnerima, institucijama • efektivnije traženje dokumenata; • efektivnija priprema tipskih dokumenata: – ugovori, ….. • podsetnik, zadaci • analize, kontrola DMS & BPM
- 5. • autorizacija korisnika: – prava pristupa dokumentima (grupama dokumenata) • kontrola dokumenata: – audit log – koji korisnik, kad, …. pristup, promjene …. • različiti IT sistemi: – Linux, MS Server – Oracle, MSSQL, MySql • različiti poslovni modeli (troškovi, održavanje): – lokalna instalacija – cloud instalacija • korišćenje nezavisno od lokacije 24/7 DMS & BPM
- 6. Arhitektura
- 7. DMS - BPM • e-arhiv – dugoročno arhiviranje – pretraga dokumenata – audit log – izbrisati dokumente – integracija back office • podrška procesima – planiranje procesa (BPM editor) – izvođenje procesa – aktivnosti v procesu • signiranje • potvrda, • odobrenje
- 8. DMS & BPM
- 9. Fujitsu Delivers Space saving designs - Compact and Efficient Space saving designs - Compact and Efficient Wide selection of scanners Wide selection of scanners Quiet operations Quiet operations Easy to learn, operate, Easy to learn, operate, and maintain and maintain
- 10. Scansnap S1300 (for Win and Mac) Scansnap S1300 Deluxe (for Windows) Scansnap S1500M (for Mac) Scansnap S1500 (for Windows) Scansnap S1500 Deluxe fi-60F fi-5015C fi-6110 fi-6130Z fi-614Z0fi-6230Z fi-6240Z fi-6010N fi-5530C2 fi-6670A fi-6770fi-6750S fi-6670 fi-6770A fi-6800 fi-5950 Scansnap S1100 N1800
- 11. Industry Expertise Manufacturing/Engineering Healthcare/Pharmaceutical Professional Services/Insurance Retail/Utilities Financial Services/BankingGovernment Education Transportation & Auto Industry leaders look to Fujitsu for targeted, value-creating solutions that help them maintain and extend competitive leadership Communication
- 13. Skeniranje dokumenata Zahtevi: –pdf/a –crno-beli –240 – 300 dpi Koraci: –priprema dokumentacije –skeniranje –validacija (kontrola) –klasifikacija –indeksacija –uvoz v DMS sustav Organizacijsko: –centralno –skenirna mesta
- 14. Digitalizacija poslovanja • Ulazni dokumenti – papirni dokumenti – elektronski dokumenti: • email + attachment • web pages • Izlazni dokumenti – nepotpisani • pdf/a • digital signature – osobni potpis • scan dokumenta • potpisne tablice
- 15. Dokumenti • Dokument versus transakcija • Klasikacija dokumenta – tip dokumenata (vreme arhiviranja) • Metapodatci – definiraju dokument – pretraga dokumenata – unos metapodataka
- 16. Ulazni dokumenti • skeniranje dokumenata - prijem – centralno – distribuirano – metapodatci • sadržaj dokumenta – Formulari – Full tekst search
- 17. • brže izvođenje procesa u organizaciji (interna pošta, pošta, više korisnika vidi dokument u isto vreme); • brža cirkulacija dokumenata među partnerima, klijentima, ..; • više korisnika ima pristup do informacija, dokumenata u isto vreme; • pristup do sustava iz različitih lokacija 24/7; • manji broj grešaka; • smanjen obim administrativnog rada; • analize, reporti; • niži troškovi rada; • jednostavna promena procesa Rezultati primene DMS - BPM
- 18. Projekt uvođenja DMS - BPM • postupana primjena sustava – pojedini tipi dokumenata – pojedini procesi • analiza dokumenata – grafičko prilagođenje dokumenta – analiza metapodataka • analiza procesa • prilagođenje poslovne aplikacije – integracije OCR + DMS – korisnik upotrebljava samo jednu aplikaciju KONAČNI CILJ – brže i jeftinije izvođenje procesa
- 19. Shake Krediti
- 21. Aktivnosti procesa • ulog (formulari, prilozi) • kreditni referent (prijedlog + obrazloženje) • kreditna analiza • pravna kancelarija • prijedlog za kreditni komitet • sjednica kreditnog komiteta • odluka (odobrenje/odbijanje) • ugovori, osiguranja • anuiteti • korištenje kredita
- 22. Ulog za kredit • Oblike uloga – papir – skeniranje + OCR – email – eBanka – web forme • Skeniranje – slika dokumenata – OCR – full tekst – import v DMS • Start procesa
- 23. Ulog za kreditni komitet • kreditni referent – kontrola podataka – dopuna podataka – prilozi • priprema dokumenta za kreditni komitet – templata (šablon) – meta podatci (već postoje u DMS) – osiguranje – tekst obrazloženje
- 24. Odelenje boniteta • uvid u ulog i prijedlog • izračunati bonitetnu ocjenu (scoring) • izračunati kreditni limit • dokument - izjava odjeljenja
- 25. Pravna kancelarija • uvid u ulog i prijedlog • uvid u predloženo osiguranje • dodatno kreditno osiguranje • dokument - izjava pravne kancelarije • kreditni referent – dopuna uloga
- 26. Krediti komitet • različita tijela za odobrenje kredita: – pravne osobe, fizičke osobe – iznos kredita – osiguranje • uslovi odobrenja – svi članovi – većina članova • sjednice kreditnog komiteta nisu potrebne • svaki član izvodi odluke pomoću web aplikacije • odluka o odobrenju (dokument se generira v DMS)
- 27. Posle odobrenja • Automatsko generiranje dokumenata: – ugovori (kontrola) – osiguranje – plan anuiteta – …… • Integracija sa core IT sistem – visina kredita – osiguranje – anuitete
- 28. Rezultati primene Shake DMS - BPM • brža cirkulacija dokumenata u organizaciji (interna pošta, pošta, više korisnika vidi dokument u isto vrijeme); • brža cirkulacija dokumenata među partnerima, klijentima; • brže izvođenje poslovnih procesa; • više korisnika ima pristup do informacija, dokumenata u isto vrijeme; • pristup do sustava iz različitih lokacija 24/7; • manji broj grešaka; • smanjen obim administrativnog rada • analize, reporti • niži troškovi rada • brže promene procesa (bez programiranja)
Editor's Notes
- Talk about some of your industry solutions Medical / Healthcare The Healthcare IT market is one of the fastest growing segments for IT spending in the US, with many factors driving initiatives that involve document imaging and related technologies. In addition to regulations like HIPAA, Sarbanes-Oxley, and others, in 2004, the federal government launched the Electronic Health Record Initiative with a goal of electronic medical records available to all Americans within 10 years. Other factors involved are the aging baby-boomer population, shortages of clinical staff (Doctors & Nurses), and decreasing reimbursement for healthcare providers. This "Perfect Storm" is driving IT decisions in today's healthcare market, and influencing the way healthcare organizations think about their IT spending. With the use of document imaging and related technologies, healthcare organizations can realize tangibles benefits related to patient care, cost savings, and efficiency improvement. These solutions may range from Hospitals, Insurance Payers, Pharmacies, and other healthcare related industries. With many document imaging solutions in a clinical setting, vital information that previously took hours to retrieve can now be accessed within seconds, eliminating potential errors and improving overall patient care. In addition, healthcare organizations also eliminate significant costs associated with the paper record including: Storage space, off-site facility rental and couriers, folders and labels, multi-part forms, microfilm and microfiche, and transport carts and bins. Government National security, corporate scrutiny, and healthcare-industry reform have created a huge demand for regulatory compliance. The Sarbanes-Oxley, Gramm-Leach-Bliley, Patriot and Health Insurance Portability and Accountability (HIPPA) Acts - as well as the Government Paperwork Elimination and Reduction Act - require state and federal governments, and the businesses they govern, to employ reliable and efficient data-storage technology. Fujitsu meets these demands with image-processing solutions that include the world's fastest scanners (capturing up to 180 images per minute.) Fujitsu scanners deliver speed, image quality, paper handling, as well as true ease of integration and compatibility with more than 200 imaging applications. Fujitsu is the imaging industry's technology leader with such standard features as built-in automatic document feeders for rapid, unattended scanning of multiple documents, and flatbeds for books, bound reports, or fragile originals. Fujitsu has also integrated the newest version of Kofax® VRS® (VirtualReScan®) image-perfecting technology into the company's scanner line. The VRS hardware and software integration with the Fujitsu wide range of scanners enables government workers to complete document capture tasks more efficiently and at a lower cost. Financial Services The smart buck stops here. Financial services institutions know that buying Fujitsu image-processing and storage solutions is always a sound investment. That's because Fujitsu solutions improve efficiency, decrease data retrieval time, and reduce storage costs. The need for flawless image-processing is all the greater since the passage of the Sarbanes-Oxley and Patriot Acts, which mandate more rigorous financial recordkeeping and reporting. Fujitsu Computer Products of America, Inc. meets these needs by pouring 16 years of experience into each of its new scanners. For example, the new ScanSnap scanner allows data-heavy firms to quickly convert paper documents into searchable Adobe Portable Document Format (PDF) files, and the integration of the newest version of Kofax® VRS®(VirtualReScan®) image-perfecting technology into Fujitsu's scanner line saves users time and money. Insurance When insurance companies are discussing policy options with a client, conducting a risk assessment on a new policy, or servicing a claim, it's essential that they have immediate access to accurate and comprehensive information. These companies must also focus on reducing the time required to process claims and handle customer inquiries to protect their customer base. These challenges are significant due to the large volume of cases. Fujitsu image-processing solutions make it all possible. For example, the Fujitsu fi -5120C and fi -5220C color duplex workgroup scanners offer exceptional high-capacity paper handling, high productivity, and selectable RGB color dropout makes insurance-forms processing simple. The scanners are equipped with a 50-page automatic document feeder (ADF) and use Kofax® VRS® (VirtualReScan®) software which lowers costs by requiring fewer re-scans and producing easier-to-read images. Education Educators, it is time to graduate to a professional document-management system. Imagine instantly accessing documents – whether term papers or research findings! It is now possible with Fujitsu scanner solutions. From small footprints to high-speed options, Fujitsu meets the needs of educators in local school districts, community colleges, and large universities. That is because Fujitsu scanners can easily digitize documents and convert them to Portable Document Format (.pdf) files. The result: educators can retrieve and send documents via e-mail, thereby eliminating wasteful printing and distribution costs, while lowering physical labor and storage costs. Educators are also able to digitally preserve, protect and archive all documentation regarding students grades to necessary schooling documentation. Most importantly, teachers can now concentrate on teaching, and students, on learning.