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.

As a result, it serves as a flexible extension of Eximee's architecture for scenarios handling 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-applicants. Each participant must perform certain actions such as:

• attaching documents,

• expressing consents and making declarations,

• filling in questionnaires,

• authorizing actions,

• confirming identity,

• providing a signature.

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

Example of use

Credit process with multiple applicants

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

2. The process engine determines which actions individual participants 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:

   • case number,

   • a fragment of the PESEL number,

   • the OTP code from the message.

5. In the panel they see:

   • case status,

   • documents that concern them,

   • a list of actions to be performed.

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

Sample screen visible after user login

Benefits 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).

• Ability to work in parallel and asynchronously of participants.

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

Integration with the Omnichannel approach

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

Login and security

Login to the Customer Panel is "to the case", not to an account. The user provides:

• case number,

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

• a one-time OTP code from an SMS.

After logging in the user has access to:

• the current case status,

• documents and instructions,

• information about next steps,

• data from the Knowledge Base / FAQ,

• information about actions of the bank and other participants.

For tasks requiring an action, the user can immediately proceed to the appropriate form.

Case finalization

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

• until products are set up,

• until the case expires after a negative decision,

• until the application is archived.

The bank configures:

• the availability time of data after case closure,

• the scope of information and documents visible after finalization.

Creating and maintaining content

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

• a shared implementation path and publication process,

• use of existing components and logic,

• possibility of 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 along 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 rapid deployments and full control over the user experience. It is a key component in implementing the Omnichannel approach to banking based on Eximee.