A mid-sized regional bank with retail branches and commercial lending services, facing pressure from digital-native competitors. While their customer relationships remained strong, internal inefficiencies made it hard to compete on speed, convenience, and cost.

Manual processes dominated the bank’s workflows — from opening new accounts to processing loans and handling regulatory checks. Data was re-entered across disconnected systems, approvals took days or weeks, and customers often dropped off due to friction.

Holistc™ implemented a full-stack automation strategy to streamline onboarding, digitize loan processing, and unify internal systems. The result was faster approvals, reduced compliance risk, and major efficiency gains across departments.

Key outcomes included:

• Account opening reduced from days to minutes
• Mortgage cycle time cut from 30 days to 10
• 80% of daily compliance checks now automated
• Thousands of hours of manual effort eliminated

Account opening required customers to fill out paper or web forms that were manually entered into multiple platforms — CRM, core banking, KYC tools, and credit systems. Loan processing was fragmented, with underwriters waiting on scattered documents and systems that didn’t communicate. Compliance reviews like KYC and AML were heavily manual, slow, and error-prone — putting both experience and regulatory standing at risk.

The bank couldn’t scale without hiring, and customers increasingly expected faster, digital-first experiences.