About the Client

Ikano Bank, founded by IKEA’s creator Ingvar Kamprad, has been supporting customers in pursuing their plans without delay for 32 years. Operating in Poland since 2010, the bank offers, among other things, instalment loans in IKEA stores, financing for photovoltaic installations, credit cards and personal loans. Its mission is to enable customers to realise their plans without postponement. It stands out through simple processes, fair cooperation principles, and a commitment to environmental responsibility.

Challenge

Before implementing Autenti, signing loan agreements required physical interaction between the customer and a bank branch, as well as paper documentation. This meant documents had to be printed, signed and stored, which extended service times and reduced customer convenience. Increasing expectations for remote services and a desire to reduce paper consumption called for a new approach.

Solution

Ikano Bank implemented the Autenti platform to manage loans fully online.

“Once the offer is accepted and a positive credit decision is issued, the agreement is sent to the customer via the Autenti platform for review and signing.” – Bartosz Jamróz, Sales & Growth Manager at Ikano Bank

The signed documents are automatically accepted by the bank, triggering the loan activation - without the need to visit a branch or print any documents. The entire process is remote, fast, and compliant with legal regulations.

“Everything can be done without the customer visiting the bank branch, and the entire process does not require printing a single sheet of paper.” – Bartosz Jamróz, Sales & Growth Manager at Ikano Bank, Polish Branch

Results

• Time from credit decision to fund release reduced to just a few minutes
  
  
• Full loan processing without visiting a branch
  
  
• Elimination of document printing in the credit process
  
  
• Enhanced convenience and accessibility for customers across Poland
  
  
• Support for sustainability strategy through reduced paper consumption