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Corporate Digital Banking initiatives at ING led to the development of the OBizz application, designed to deliver a faster, more secure and user-friendly loan application process. As documentation requirements and approval procedures became increasingly complex, loan utilisation rates declined — particularly during the pandemic.
To bridge the gap between application and approval, OBSS developed OBizz as part of ING’s broader Corporate Digital Banking transformation. This streamlined mobile solution enables business customers to access loans more efficiently through a simplified and digitally optimised process.
Owing to the pandemic, the transfer of essential documents for record-keeping or signatures was frequently delayed, especially for new customers. These delays consequently led prospective clients to look for alternative methods to obtain loans more rapidly, thereby reducing ING’s financial throughput.
ING has thoroughly overhauled the infrastructure for assessing private companies and enhanced the range of loan options available to customers. Additionally, in partnership with OBSS, ING has decreased and optimised the response time to customers by completely rewriting the credit evaluation processes in line with micro-service architectural infrastructure. This has led to an increase in previously lower loan approval and utilisation rates. ING has focused on user experience, advocating for the introduction of user-friendly applications.
The process for becoming a customer at ING has been expedited by introducing a digital document approval option, replacing the previous courier booking step in the application process. This change has enabled private companies to become ING customers by submitting an online application in a very short period, akin to ING’s retail customers. Furthermore, ING has provided customers with options for credit cards and overdraft accounts alongside loans, increasing the available choices for customers needing urgent cash for trading during the pandemic.
Web site / iOS app / Android app
Thanks to these enhancements, with invaluable contributions from OBSS, ING effectively raised customer application approval rates to the targeted levels. The most recent reports indicate that 1 out of every 2 customers granted approval has successfully completed the refined loan application process. OBSS played a pivotal role in this achievement by closely collaborating with ING to implement these enhancements.
ING is a pioneer in digital banking and on the forefront being one of the most innovative banks in the world. As ING we have a clear purpose that represents our conviction of people’s potential. We don’t judge, coach, or tell people how to live their lives. However big or small, modest or grand, we empower people and businesses to realize their vision for a better future. We made the promise to make banking frictionless, remove barriers to progress, and make people confident in their financial decisions. As a global bank we have a huge opportunity – and responsibility – to make an impact for the better. We can play a role by financing change, sharing knowledge, and innovating. Being sustainable is in all the choices we make—as a lender, as a partner, and through the services we offer our customers.
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