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Financial Services | Credit Application Processing

Leading French Bank Goes Digital with a Document Processing Solution Based on ABBYY FlexiCapture

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Leading French Bank Goes Digital with a Document Processing Solution Based on ABBYY FlexiCapture

Financial Services | Credit Application Processing

Customer Overview

Name Caisse d’Epargne Bretagne Pays de Loire
Headquarters France
Industry Banking services

Digitisation of credit file processing


Implementing a scalable and efficient data capture solution to process various types of documents and adapt to different customer needs


Limiting manual and errorprone work, improving work efficiency and augmenting team performance

Caisse d’Epargne Bretagne Pays de Loire is a member of Groupe BPCE, France's second largest banking group. With a complete range of banking and insurance products, such as savings accounts, consumer and business credit, payment services, asset management and insurance, they serve a variety of clients, including individuals, companies and local government. Recently, Caisse d’Epargne set itself the objective of optimising and modernising the way they process credit files.

"Because of the flexibility of the ABBYY capture platform we were able to automatically process a wide multitude of document types. The strength of our partnership with ABBYY lies in their capacity to address different market needs and a wide variety of industries."
Jean-Sébastien Wagner, General Director, ADOC Solutions


After conducting an internal review Caisse d’Epargne identified the digitisation of credit file processing as its most important operational objective. The credit department deals annually with tens of thousands of credit records containing documents related to investigations, loan applications, insurance reports and property purchases and sales, which amount to more than 5 million pages per year. Manual processing of paper documents, which is very slow by definition, does not allow an effective control over credit records and customer requests. Moreover, the flow of information at the bank was not smooth enough to ensure an effective decision making process. Therefore, the bank began the search for an innovative solution which would help streamline costs and improve operational efficiency.


The credit department at the bank initiated the project by conducting a needs study. The team wanted to have a comprehensive solution to index, classify and manage their documents electronically. After conducting the study, Caisse d’Epargne decided the best approach would be to outsource the preparation and digitisation of its credit documents and organised a tender to select the most appropriate vendor.

ADOC Solutions, an expert in digitisation and document management, was selected in the tender phase and tasked with developing the solution. In order to provide Caisse d’Epargne with a complete range of ser vices, ADOC Solutions worked with its key par tners: ABBYY, a leading data and document capture vendor and Challenge Group, an experienced business process outsourcer.

For this project, ADOC Solutions developed a solution called Scancredits, a complete web application for document digitisation. The solution was based on ABBYY FlexiCapture, an enterprise capture platform that intelligently reads documents and extracts key data for fur ther processing in back end systems and business workflows. Thanks to the tight integration of FlexiCapture with Scancredits, scanned images can be automatically associated with the correct document type and customer record.

"Caisse d’Epargne tasked us with the design, execution and deployment of this project. The success of this collaboration results from a joint effort to work towards targets and needs, which were clearly defined before initiating the project. We have always considered capture solutions as a key component in process optimization in large organisations. In this project, we had to index a variety of different document types," says Jean-Sébastien Wagner, General Director at ADOC Solutions.

"This indexing and classification technology is very beneficial for our team. It not only saves us a lot of precious time in the document preparation and indexing phase, but it is also very easy for our operators and technical teams to work with."
Philippe Masson, Director at the Challenge Group


The introduction of this integrated solution enables the credit department at Caisse d’Epargne to work much more efficiently, limiting manual inter vention and augmenting the overall team performance. The Scancredits solution from ADOC allows the department to electronically manage all activities connected with credit files. Furthermore, this solution for the management of credit files has contributed significantly to improving customer service at the bank.

"This improvement in our key operations has made us consider other developments and tools for retail banking and our decision making process. Based on our success in the credit department, this digitisation solution has also been successfully introduced in other areas, such as litigation-recovery and HR."
Emmanuel Urfer, Director of Banking Services at Caisse d’Epargne
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