Case studies

Our successes speak for us
With our software solution Meinbau.net, Talo IT innovates digital construction financing processes for banks and companies. In our case studies, we show you how leading banks and companies use our customized software solution to strengthen customer loyalty and create innovative financing experiences.

Case study: Modular digital application process for a leading bank

challenge
A leading bank was looking for a modern, efficient and completely digital solution to optimize a central business area. The existing systems were not flexible enough to meet the growing requirements of customers and regulators. The aim was to digitize the entire process from initial enquiry to contract signing, while ensuring security and compliance.

Talo IT solution

Talo IT developed a modular digital Application process based on the latest microservice architecture. Our solution combines all essential components for digitizing the construction loan process but also for corporate customers.

Customer and banking portals

Intuitive platforms enable seamless communication between customers and bank employees, making the application process transparent and efficient.

Construction cost and household calculator

Precise tools help your customers quickly calculate the costs of construction projects, lifestyle, renovation, budget, and more, which makes decision-making easier.

KYC & credit check

By integrating external registers, credit checks and reviews of sanction lists and politically exposed persons (PEP) are carried out automatically to meet compliance requirements.

digital signatures

Support for qualified electronic signatures (QES) enables legally binding contracts to be concluded directly within the platform.

Flexible workflow management

Customizable task lists to streamline processes.

audit log and 
Reporting

Complete logging and comprehensive reporting for maximum transparency.

cloud infrastructure

Highest security and availability through end-to-end encryption, two-factor authentication and GDPR-compliant data centers within the EU. Our architecture ensures maximum system availability and is further validated by regular external PEN tests in order to comply with the latest safety standards.

integrability

Integration into existing core systems can be carried out gradually, and can also be solved pragmatically at the beginning using Robotic Process Automation (RPA).

Operation & development

The operation of the solution and its continuous development is completely taken over by Talo IT. We ensure service level agreements (SLAs), work according to IT Service Management (ITSM) standards and use the Jira Service Desk to ensure smooth operation. In addition, this also enables rapid response to future developments.

Results

The bank was able to completely digitalize various processes and significantly increase its efficiency and customer satisfaction in the process. Our solution enabled the bank to implement an automated, secure and future-proof system that could be flexibly adapted to specific requirements.

Faster time-to-market

The implementation time was significantly reduced by using prefabricated modules.

Improved customer interaction

The intuitive portals and tools led to higher customer satisfaction and better conversion rates.

Highest security and compliance

Thanks to DORA compliance, certified data protection officers and robust IT security measures.

Cost efficiency

Reduce operating costs through automation and optimized workflows.

Reliable operation

Through clear SLAs, ITSM standards and the use of the Jira Service Desk, Talo IT guarantees continuous system availability and rapid problem resolution.

Expandability for other industries

Our approach works like a modular system of Lego building blocks. elements such as Chat functions, qualified electronic signatures (QES), KYC integrations, document management systems (DMS) or data rooms can be flexibly combined and meet the specific requirements of other industries, such as Insurance companies, energy suppliers or public administration, can be adjusted. This modularity enables the rapid and cost-effective implementation of new digital processes.

Conclusion
With Talo IT's modular digital application process, the bank has not only digitized its internal processes, but has also achieved a competitive advantage in the mortgage market. Thanks to the flexible module architecture, this approach can be seamlessly transferred to other industries to drive their digital transformation. Our solution is the key for companies that want to successfully assert themselves in the digital age.

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FAQ — When is Talo IT the right implementation partner?

When should you consider Talo IT?
  • If you are planning an enterprise IT project that should be implemented efficiently, flexibly and without unnecessary ballast.
  • When your project requires quick and precise implementation, where focusing on the essentials is crucial.
  • If you are looking for a partner who brings both deep technical knowledge and strong industry expertise in banking, industry and the public sector.
What makes Talo IT different from other implementation partners?

Talo IT brings in excellent developers who have gained experience in leading US technology companies. We work with cutting-edge technologies and agile methods to ensure that your project not only stays on schedule but also meets future requirements. Our philosophy is to focus on the project goal while avoiding unnecessary complexity.

Which projects is Talo IT particularly suitable for?

Projects that require clear objectives and efficient implementation. IT transformations in companies that require a strong partner with assertiveness. Projects in which industry-specific know-how, particularly in the banking sector or in the public sector, plays a central role.

How does Talo IT support your IT transformation?

We offer close cooperation, focused on your requirements and creating effective framework conditions. With our experience in dealing with complex IT landscapes, we help you to minimize risks and ensure project success. Our change management approach ensures that the transformation runs smoothly. As a small team, we avoid unnecessary stakeholder complexity.

What type of project staff does Talo IT provide?

The best project employees are “sure-fire”, i.e. they manage themselves and do not need constant guidance. Once they know what to do, they figure out how to do it themselves. For all relevant key positions, Talo IT provides the appropriate “no-brainer” that ensure project success.

Does Talo IT also operate IT solutions?

We operate the IT solutions developed by us in accordance with ITSM and ITIL standards and also comply with the GDPR and DORA requirements. We are happy to contractually agree on SLAs to set clear availability and performance goals. We provide comprehensive operational reporting to ensure transparency and reliability.

Blog

Here you can find regular blog posts about digitization, especially in large organizations and regulated industries

Efficient and modular digital application processes for banks and corporate clients

How modern processes increase customer satisfaction and reduce costs

Enterprise IT projects: Everyone did everything right, yet the project failed

The future of mortgage lending is digital

Recipe for the perfect IT disaster: How to reliably ruin your next enterprise IT project

Ingredients for the perfect failure of your enterprise IT project

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