We serve different business and government sectors including finance, insurance, banking, logistic, etc. The fact that we are agile and open allows us to handle any kind of projects no matter of size and budget. Our main driver is successful completion of projects and moreover supporting our customers in achieving higher profitability and cost deduction in their operations, throughout our solutions. We are passionate about what we do, whether that is helping individual businesses improve processes or achieve a transformation of processes across an organization.
Our solutions are out of the box ready and with extremely agile structure, all of them together they represent an overall eco system.
2. Company Overview
develop experience & drive success
Founded in
2014 Projects in
Bulgaria
Greece
Romania
Macedonia
Dynamic & Agile
17 employees 100%
Generated turnover
from Financial
Services
Software
Our solutions
are based on:
.NET; Angular4;
SQL Server; MongoDB;
Oracle DB; RESTFul
Web Services, etc.
2
3. Our Vision & Values
develop experience & drive success
We are all about efficiency, synergy
and helping our customers be more
productive, more integrated, more
profitable through digitalization of
their operations made with us.
VISION
VALUES
&
To us, customer success is more than just a job
or a new spin on the customer service function.
It’s an evolution of customer service, requiring
new skill sets and mindsets to staff our
customer success.
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4. develop experience & drive success
We Help You With
Redefine
Customer
Experience
Digitalize
Core Business
Operations
Become a
Data Driven
Company
We are enablers of Digital Transformation
4
5. Our Service Framework
Customer Centric Roadmap
Defining and executing strategic customer centric
transformation of the enterprise by combining process and
channel reengineering
Digital Operations Roadmap
Creating an integrated, unified, digital platform to support
digitization of operations based on mobility and paperless
workflows.
Enterprise Software Engineering
Integrated end-to-end software engineering and
architecture, project management, business analysis and
DevOps
DevOps and Continuous Delivery
Integrating tool automation practice and continuous
improvement and knowledge to speed up overall IT delivery
Innovation in UX & UI
Omni channel journey mapping, Digital Banking,
Digital Consumer View & Digital Products
reengineering
Innovation in Technology
Developers and architects enablement in order to
deliver IT application modernization roadmap and
reduce maintenance costs
5
develop experience & drive success
6. Our Solutions Focus
Online Customer
Experience
Integrate all your online
processes from account
opening to e-lending & e-
savings into an integrated,
self-service, Internet portal
Digital Front
Office
Digital Back
Office
Compliance Analytics
Use powerful data warehouse
and easy visualization
technology to create statutory
and compliance reports
Allows data-driven approach
by integrating powerful
visualization tools and
analytics that enable people
across the organization to
make faster better decisions
Automate back office
processes like contract
administration, notifications,
collection, claims and asset
management in order to
increase profitability and
customer satisfaction
Digitalize front office sales force
and branches with customer
centric solution, that handles
account opening, KYC,
origination and CRM processes
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10. Our Solutions – E-Lending & Deposit Platform – eLending – 1/3 10
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The platform in terms of lending allows, easy
adoption and customization of visuals (based on
any corporate branding) and information.
Incorporated features:
◎ Loan calculations
◎ Templates of print-outs (e.g. Standardized EU
Loan Information Form)
◎ APR calculation
◎ SMS notification to customers
◎ Black List identification and notification
◎ Identification of users (IP addresses, towns,
etc.)
◎ Identification of device that user applies from
◎ Auto-retrieve data from existing systems and
databases
◎ Welcome letter to approved customers
◎ API
SHORT DESCRIPTION
Project Demo: Please, excuse us, the project
is in process of implementation with one of our customers
11. Our Solutions – E-Lending & Deposit Platform – eLending – 2/3 11
develop experience & drive success
Minimized customer input in terms of personal
data. Direct connection with different data sources
in order to support automated KYC process. The
solution is able to support in-built scoring card,
both generic and behavioral.
SHORT DESCRIPTION
13. Our Solutions – E-Lending & Deposit Platform – eDeposit – 1/3 13
develop experience & drive success
The PAGGAS Online Deposit platform offers fully
digitalized banking services that makes depositing
as easy as it was never before. You can make your
next deposit from the comfort of your home or
office, instead of making a trip to the bank.
SHORT DESCRIPTION
Project Demo: http://paggas.com/deposits/
14. Our Solutions – E-Lending & Deposit Platform – eDeposit – 2/3 14
develop experience & drive success
With the PAGGAS Online Deposit you are on two
clicks away from selecting the desired by you
amount and tenor for depositing, followed by one-
off registration (in case you are not already
registered). It’s that easy!
SHORT DESCRIPTION
15. Our Solutions – E-Lending & Deposit Platform – eDeposit – 3/3 15
develop experience & drive success
With eDeposits platform in less than few minutes
you will finalize your deposit process through the
simple KYC process.
SHORT DESCRIPTION
17. Our Solutions – eOn-boardoing concept – 1/5 17
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The eOn-boarding concept aims to provide new
view of the traditional online onboarding process
by introducing higher levels of personalization
towards the customers and mainly reducing
manual data input, instead enriching the usage of
external and internal data sources, leading to
data reach approach of customer assessment
and simplification of KYC process.
Our eOn-boarding concept is based on our newly
developing RealEntity OS, that will provide users
with flexibility in terms of flows and forms
predefinition and data elaboration.
SHORT DESCRIPTION
Project Demo: Please, excuse us, the project
is under development!
18. Our Solutions – eOn-boardoing concept – 2/5 18
develop experience & drive success
The eOn-boarding concept is based on personal
approach. Providing customers with more
adaptive and user-friendly environment, aiming to
achieve focused and easy customer journey.
SHORT DESCRIPTION
19. Our Solutions – eOn-boardoing concept – 3/5 19
develop experience & drive success
The eOn-boarding allows easy data retrieving
based on specified data keys, as well as on the
rich API/WebService abilities and data
management of RealEntity OS.
SHORT DESCRIPTION
20. Our Solutions – eOn-boardoing concept – 4/5 20
develop experience & drive success
The platform allows seamless process of users
creation.
SHORT DESCRIPTION
21. Our Solutions – eOn-boardoing concept – 5/5 21
develop experience & drive success
The platform will support Omni channel features in
terms of transferring from device-to-device.
SHORT DESCRIPTION
23. Our Solutions – CRM – Customer View – 1/3 23
develop experience & drive success
CUSTOMER VIEW allows easy access to the main
customer data based on business needs. Easily
parametrical CRM that can connect to all legacy
systems via API or Web Service and to operate
with different types of data without any
restrictions.
The layout is designed in clear and accessible way
allowing seamless user experience without
unnecessary visualization elements.
On one site the system can easily retrieve any
kind of data from any existing internal for the
organization source, as well as can easily access
external data sources.
The system allows additional data to be stored
and distributed to preferable data sources in case
of need. The system supports both Retail and
Corporate customers.
SHORT DESCRIPTION
Project Demo: http://demo-crm.paggas.com/#/
24. Our Solutions – CRM – Customer View – 2/3 24
develop experience & drive success
On its main screen CUSTOMER VIEW allows
accessing customer data based on single key
(unique identification number; customer number;
etc.). The visualized data is parametrical and
allows flexibility based on business needs. In its
current version on the main screen are visualized:
◎ Customer personal data, incl.
addresses & phone
◎ Active products within the
organization
◎ Accounts & Deposits
◎ Debit Cards
◎ Credit Cards
◎ Active Loans
◎ Repaid/Closed Loans
◎ Last Transactions
◎ Pending Transactions
◎ Canceled Transactions
SHORT DESCRIPTION
25. Our Solutions – CRM – Customer View – 3/3 25
develop experience & drive success
CUSTOMER VIEW supports great number of
functionalities, among them are loyalty program,
customers flagging's, acceptance or denial of
marketing activities, referrals, tracking customer
journey, call center support including scripts, etc.
The system allow product based orientation based
on each product segment.
The system’s great assets is its flexibility and
easily adoption to various business needs.
SHORT DESCRIPTION
27. Our Solutions – eSales Tool – 1/5 27
develop experience & drive success
The eSales Tool allows easy and flexible
onboarding of customers in branch and remote
locations by simplification of the entire process
and with minimal operational efforts and product
knowledge from the sales force. Based on its
technology and PAGGAS business analyses over
your existing products the tool can provide
individual offer to each customer.
The tool supports variety of Retail Banking and
Insurance products factory, calculators (loans,
deposits, etc.), predefined templates, product,
customer retention functionalities based on
existing data sources, sales scripts and more over
does not require any expertise in order to
operate it.
SHORT DESCRIPTION
Project Demo: http://demo-spss.paggas.com
28. Our Solutions – eSales Tool – 2/5 28
develop experience & drive success
Based on its focus on simplifying the sales efforts
and its metro design the eSales Tool allows
greater flexibility in generation of customer offers
and leads follow-up.
The tool can be connected directly via API or
WebServices to any decision engine, core banking
system, ERP, CRM, etc., thus allowing to serve as a
main system for customer on-boarding in branch
and remote locations.
SHORT DESCRIPTION
29. Our Solutions – eSales Tool – 3/5 29
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The tool allows generation of individual based
offer per customer based on the powerful product
factory module.
SHORT DESCRIPTION
30. Our Solutions – eSales Tool – 4/5 30
develop experience & drive success
One of the main aspects of the tool is the
simplified visualization of products data in order
they to be communicated with the customer
straight forward.
Due to its simplicity in terms of operational
knowledge and the fact that provides detailed
information for the product based on the specific
needs of each customer the tool is considered as
a great asset in organization with high staff
turnover.
SHORT DESCRIPTION
31. Our Solutions – eSales Tool – 5/5 31
develop experience & drive success
The tool allows parametrization of standardized
templates, as well as more specific types of
documents than require specific data types based
on different customers.
SHORT DESCRIPTION
33. Our Solutions – APS – B.A.P.S. – 1/3 33
develop experience & drive success
Based on our newly developing platform
RealEntity OS we are introducing Business
Application Processing System (B.A.P.S.).
B.A.P.S. system is developed specially to support
the loan application processing needs of banks
and financial institutions. It employs workflow
technology to control and monitor the various
work steps in the loan, deposits, insurances,
operational and customer support processing and
uses digital imaging technology to reduce the
delays and inefficiencies in handling paper
documents. B.A.P.S. is based on four-eyes
principal in each of its system roles
SHORT DESCRIPTION
34. Our Solutions – APS – B.A.P.S. – 2/3 34
develop experience & drive success
B.A.P.S. main area of coverage:
◎ Structured workflow for automatic routing of
applications
◎ Support different origination channels
◎ Support different loan products and loan
types
◎ Loan type parameters and constraints
definition
◎ Interface to external systems
◎ Provide internal credit checking, credit
scoring and debt burden calculation
◎ Support multi-tier rate structure
◎ Generate letters and forms automatically
◎ Application details and status enquiry
◎ Document imaging and archiving
SHORT DESCRIPTION
35. Our Solutions – APS – B.A.P.S. – 3/3 35
develop experience & drive success
On top of its numerous features the system
supports set of comprehensive reports provided
within. It includes MIS reports, loan progress
reports, drawdown reports, workflow statistics
reports, etc. Moreover, B.A.P.S. offers field
reporting universe, allowing combination of all
existing fields to be performed by the end user
without administrators support, as well as data
export in different formats. Nevertheless should
be pointed that the system supports connection
to various BI tools.
SHORT DESCRIPTION
37. Our Solutions – Help Desk 37
develop experience & drive success
PAGGAS’s HelpDesk system is not the average
helpdesk, but instead it bundles different
functionalities related to:
◎ Customer service – auto-generation of
documents for customers, live connection
through API or WebServices with legacy
systems that allows data for the customer to
be retrieved in real time.
◎ Workflow builder
◎ Back and front office process automation
◎ Flexible reporting
◎ Separation of complex processes within their
own microsystems in the HelpDesk ecosystem
◎ Ability to be customized according to the
clients’ needs.
SHORT DESCRIPTION
Project Demo: http://demo-helpdesk.paggas.com