# 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 customers of the bank,
* are customers of the bank, but in a given process participate without logging in to electronic banking.

As a result, it provides a flexible extension of the Eximee architecture for scenarios involving external customers, co-applicants, and third parties.

## Business problem and the need for a solution

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

* attaching documents,
* giving consents and submitting declarations,
* filling in questionnaires,
* authorizing actions,
* confirming identity,
* signing.

**Eximee Customer Panel** it gives 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 multiple participants in a single process to carry out tasks in parallel and securely.

## Example use case

### A loan process with multiple applicants

1. The main borrower initiates the case, enters data, attaches documents, and indicates the co-borrowers (phone numbers, PESEL).
2. The process engine determines which actions are to be performed by individual participants.
3. Each of them receives an SMS message with a link and an OTP code to log in to **Eximee Customer Panel**.
4. Co-borrowers log in by providing:
   * case number,
   * PESEL number fragment,
   * OTP code from the message.
5. In the panel they can see:
   * case status,
   * documents that concern them,
   * a list of tasks to be completed.
6. They carry out the assigned tasks: confirm identity, send documents, approve the application.

> Sample screen visible after user login

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## Advantages of the solution

* Handling processes involving **multiple people at the same time**, while maintaining full logical control of the process.
* **Access without logging in** to electronic banking.
* **Security** (OTP, PESEL, case number).
* Ability to work **in parallel and asynchronously** 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 strategy **Omnichannel** of the Eximee platform.\
A case can be started in any channel (e.g. in a branch, in 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

Login to the Customer Panel takes place “into the case,” not into the account.\
The user provides:

* case number,
* a fragment of the PESEL number (e.g. the last 4 digits),
* a one-time OTP code from the SMS message.

After logging in, the user has access to:

* the current case status,
* documents and instructions,
* information about the next steps,
* data from the Knowledge Base / FAQ,
* information about actions taken by the bank and other participants.

In the case of tasks requiring user action, the user can immediately proceed to the appropriate form.

## Case completion

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

* until the products are activated,
* until the case expires after a negative decision,
* until the application is archived.

The bank configures:

* the time the data remain available after the case is closed,
* the scope of information and documents visible after completion.

## Creating and maintaining content

**Eximee Customer Panel** is a **generic and low-code**solution, fully compliant with banking **Design System** and standards **WCAG**.\
The screens are designed in **Eximee Designer** - just like Eximee Forms forms, which means:

* a common implementation 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 logged-out 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. give consent, upload files).
* Full UX/UI compliance with the bank's Design Guide.
* Mobile device support (RWD).
* Accessibility support (WCAG).
* Configurability and personalization by case type - implemented in low-code in Eximee Designer.

## Summary

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