Eximee Customer Panel

Eximee Customer Panel is a remote access channel to banking processes carried out on the Eximee platform. It enables secure participation in processes for people who:

• are not yet bank customers,

• are bank customers but participate in a given process without logging into online banking.

Because of this, it serves as a flexible extension of Eximee's architecture for scenarios involving external customers, co-applicants and third parties.

Business problem and need for a solution

In many banking processes (e.g., credit, insurance or joint applications) it is necessary to involve more than one person: a spouse, partner, co-borrowers. Each participant must perform specific actions, such as:

• attaching documents,

• expressing consents and making declarations,

• filling out questionnaires,

• authorizing actions,

• confirming identity,

• providing a signature.

Eximee Customer Panel it allows them access only to their own scope of the case - only to those documents, forms and actions that are assigned to them. The panel allows parallel and secure execution of tasks by multiple participants in a single process.

Example of use

Credit process with multiple applicants

1. The primary borrower initiates the case, enters data, uploads documents and indicates co-borrowers (phone numbers, PESEL).

2. The process engine determines which actions each participant should perform.

3. Each of them receives an SMS with a link and an OTP code to log in to Eximee Customer Panel.

4. Co-borrowers log in by providing:

   • the case number,

   • a fragment of the PESEL number,

   • the OTP code from the message.

5. In the panel they see:

   • the case status,

   • the documents that concern them,

   • the list of tasks to be performed.

6. They perform assigned tasks: confirm identity, upload documents, approve the application.

Sample screen visible after user login

Advantages of the solution

• Handling processes involving many people simultaneously, while maintaining full logical control of the process.

• Access without logging into online banking.

• Security (OTP, PESEL, case number).

• Possibility of parallel and asynchronous work of participants.

• Data isolation – each participant sees only their part of the case.

Integration with the Omnichannel approach

Customer Panel is an integral part of the Omnichannel Eximee platform. A case can be started in any channel (e.g., branch, online banking, via call center) and then continued in the Customer Panel. All channels use the same data model and process mechanisms, ensuring full consistency of the customer experience.

Login and security

Logging into the Customer Panel is done “to the case”, not to an account. The user provides:

• the case number,

• a fragment of the PESEL number (e.g., last 4 digits),

• a one-time OTP code from an SMS.

After logging in the user has access to:

• the current status of the case,

• documents and instructions,

• information about next steps,

• data from the Knowledge Base / FAQ,

• information about actions taken by the bank and other participants.

If tasks require action, the user can immediately go to the appropriate form.

Case finalization

Access to the Panel can also be maintained after the process is completed, e.g.:

• until products are opened,

• until the case expires after a negative decision,

• until the application is archived.

The bank configures:

• the availability time of the data after the case is closed,

• the range of information and documents visible after finalization.

Creating and maintaining content

Eximee Customer Panel is a generic and low-code, fully compliant with the bank's Design System and standards WCAG. Screens are designed in Eximee Designer - the same way as Eximee Forms, which means:

• a common deployment path and publication process,

• use of existing components and logic,

• the ability to make quick on-demand changes.

The panel is responsive (RWD), so it works identically on desktop and mobile devices.

Key features of Eximee Customer Panel

• Access for non-logged-in customers.

• Presentation of the business status of the process together with additional information about stages and options.

• List of required documents and attachments.

• Ability to perform user tasks in the process (e.g., giving consent, uploading files).

• Full UX/UI compliance with the bank's Design Guide.

• Support for mobile devices (RWD).

• Accessibility support (WCAG).

• Configurability and personalization per case type - implemented low-code in Eximee Designer.

Summary

Eximee Customer Panel is an extension of the Eximee platform enabling the execution of banking processes involving non-logged-in customers and third parties. It combines security, convenience and low-code flexibility, offering the bank fast deployments and full control over the user experience. It is a key component in implementing the Omnichannel banking approach based on Eximee.