[{"data":1,"prerenderedAt":315},["ShallowReactive",2],{"case-collaborative-application-flow":3,"cases-list":287},{"id":4,"title":5,"body":6,"cardImg":271,"category":272,"date":273,"description":274,"downloadable":275,"extension":276,"image":277,"img":278,"meta":279,"name":5,"navigation":280,"path":281,"ready":275,"seo":282,"slug":283,"soon":275,"stem":284,"subtitle":285,"toc":275,"__hash__":286},"cases\u002Fcases\u002Fcollaborative-application-flow.md","Collaborative application flow",{"type":7,"value":8},"minimark",[9,14,18,28,31,34,38,41,44,55,58,61,63,67,70,84,86,90,93,113,115,119,124,127,130,137,139,175,177,212,214,218,221,227,229,248,250,254,257,268],[10,11,13],"h2",{"id":12},"context","Context",[15,16,17],"p",{},"We worked on a business lending product. From an interface standpoint, it splits into two large parts:",[19,20,21,25],"ul",{},[22,23,24],"li",{},"Applying for a credit line;",[22,26,27],{},"A customer area for servicing the loan and accessing related information.",[15,29,30],{},"This case is about the feature in the first part — the application.",[32,33],"hr",{},[10,35,37],{"id":36},"about-the-product","About the product",[15,39,40],{},"KYB (Know Your Business) is usually harder for banks than KYC: the company, its owners, and its directors all have to be verified at once.",[15,42,43],{},"A credit line application is a 5-step process that needs to deliver on several things at the same time:",[19,45,46,49,52],{},[22,47,48],{},"Meet the regulator's KYB requirements;",[22,50,51],{},"Collect enough information to approve the loan and size the credit line;",[22,53,54],{},"Get the contract signed by the right authorized person.",[15,56,57],{},"The set of documents and inputs also shifts depending on the company's structure and the requested limit: collateral, guarantors, or additional covenants may come into play.",[15,59,60],{},"And it's rarely a one-person job. The director signs off on the amount, the accountant pulls together several company documents and the bank statements, the lawyer reviews the contract.",[32,62],{},[10,64,66],{"id":65},"goal","Goal",[15,68,69],{},"Turn the application into a collaborative process. Specifically:",[19,71,72,75,78,81],{},[22,73,74],{},"Let the director start the application and hand it off to a colleague to upload documents;",[22,76,77],{},"Make it visible who has access to the application and what the status of each invitation is;",[22,79,80],{},"Allow invitations to be revoked, scoped, and resent — without contacting support;",[22,82,83],{},"Let one user participate in applications for several legal entities at once — especially relevant for outsourced accounting.",[32,85],{},[10,87,89],{"id":88},"approach","Approach",[15,91,92],{},"A few rules were locked in before design:",[19,94,95,98,101,104,107,110],{},[22,96,97],{},"A colleague can be invited at any step, not only at the start;",[22,99,100],{},"On the document-upload step, the option is highlighted separately;",[22,102,103],{},"The list of participants and the status of their invitations are always visible;",[22,105,106],{},"Managing invitations (revoke, check status, resend) is available from the interface, without contacting support;",[22,108,109],{},"Support for multiple companies under one user is built at the user-account level, not the company-account level;",[22,111,112],{},"When inviting a colleague, we openly show what personal data we collect, why we need it, and where it's stored — the person sending the invitation is sharing someone else's data and should understand what happens to it.",[32,114],{},[10,116,118],{"id":117},"solution","Solution",[120,121,123],"h3",{"id":122},"shared-access-button-in-the-header","\"Shared Access\" button in the header",[15,125,126],{},"Available on every step of the application — not buried in settings, not surfaced at the end.",[15,128,129],{},"On step 3 (document upload), we additionally show a recommendation to bring in a colleague — this is the step where the application most often gets paused while someone waits on the accountant or the lawyer.",[15,131,132],{},[133,134],"img",{"alt":135,"src":136},"Shared access button","\u002Fcases-img\u002Fcollaborative-application-flow-01.webp",[32,138],{},[140,141,145,149,152,166,169,172],"blog-flex",{":toc":142,"alt":143,"img":144},"toc","App first image","\u002Fcases-img\u002Fcollaborative-application-flow-02.mp4",[120,146,148],{"id":147},"invitation-form","Invitation form",[15,150,151],{},"Minimum fields:",[19,153,154,157,160,163],{},[22,155,156],{},"Name — so we know how to address the new user;",[22,158,159],{},"Email — where the invitation is sent;",[22,161,162],{},"Phone — for OTP authorization;",[22,164,165],{},"Access level.",[15,167,168],{},"Default — \"Admin\". Small businesses rarely need a granular permission matrix, and forcing them to figure one out is unnecessary onboarding overhead. For larger organizations, there's an \"Basic\" role with the option to scope access to specific lending products and to allow further invitations.",[15,170,171],{},"Next to the form — a short note: what data we collect, why we need it, and where it's stored. This matters: the person sending the invitation is sharing someone else's personal data — and should understand what happens to it before tapping \"Send\". Not a \"consent to data processing\" line in fine print under the button, but a clear explanation in the moment of action.",[15,173,174],{},"After the invitation is sent — a toast, and a badge on the \"Shared access\" button with the participant count.",[32,176],{},[140,178,180,184,187,195,198,201,209],{":toc":142,"alt":143,"img":179},"\u002Fcases-img\u002Fcollaborative-application-flow-03.mp4",[120,181,183],{"id":182},"managing-invited-users","Managing invited users",[15,185,186],{},"A secondary tap on \"Shared access\" opens a list:",[19,188,189,192],{},[22,190,191],{},"Those who already have access;",[22,193,194],{},"Those who were invited but haven't accepted yet.",[15,196,197],{},"The initiator of the invitations is shown in the same list — so the full picture of who has access is visible in one place.",[15,199,200],{},"For each participant:",[19,202,203,206],{},[22,204,205],{},"Name, work email, access level;",[22,207,208],{},"A path to detailed settings, where the access level can be changed or the user suspended or removed.",[15,210,211],{},"For pending invitations — how much time is left to accept, the option to fine-tune permissions, or to revoke the invitation.",[32,213],{},[120,215,217],{"id":216},"real-time-notifications","Real-time notifications",[15,219,220],{},"When a colleague accepts an invitation, the initiator sees a toast — regardless of which step they're currently on. A small detail, but it removes the need to separately check whether the colleague has accepted.",[15,222,223],{},[133,224],{"alt":225,"src":226},"Invitation accepted","\u002Fcases-img\u002Fcollaborative-application-flow-04.webp",[32,228],{},[140,230,232,236,239,242,245],{":toc":142,"alt":143,"img":231},"\u002Fcases-img\u002Fcollaborative-application-flow-05.mp4",[120,233,235],{"id":234},"sign-up-via-invitation","Sign-up via invitation",[15,237,238],{},"The invitee first confirms their phone number via OTP, then accepts the invitation into the specific organization.",[15,240,241],{},"Authorizing by phone rather than by corporate email is a deliberate choice. One person can work on applications across several companies without needing a separate account per corporate email.",[15,243,244],{},"Confirming the invitation as a separate step is protection against spam and against accidentally ending up inside the wrong company.",[15,246,247],{},"After accepting, the user lands directly on the current step of the application and can get to work.",[32,249],{},[10,251,253],{"id":252},"results","Results",[15,255,256],{},"After the collaborative flow shipped:",[19,258,259,262,265],{},[22,260,261],{},"The share of applications reaching contract signing went up — especially for companies with two or more participants in the process;",[22,263,264],{},"Support requests like \"how do I hand the application off to the accountant\" and \"how do I add a colleague\" dropped;",[22,266,267],{},"Support for multiple companies under one user closed off a separate segment — outsourced bookkeepers who used to drop off when they tried to start a second application from the same phone number.",[15,269,270],{},"A business loan application is rarely a one-person story. And it's a good thing when the product accounts for that from the start.","\u002Fcases-img\u002Fcollaborative-application-flow-card.webp","Corporate Banking, CIS region","2026-03-19","",false,"md",null,"\u002Fcases-img\u002Fcollaborative-application-flow-hero.webp",{},true,"\u002Fcases\u002Fcollaborative-application-flow",{"title":5,"description":274},"collaborative-application-flow","cases\u002Fcollaborative-application-flow","Director, accountant, lawyer — and a single loan application. A story about fitting them all into one flow.","akYg-hK0850ki1KTmZsd9SFrhS0ec__-4PuNuNx2XMA",[288,289,295,301,307,311],{"title":5,"slug":283,"date":273,"name":5,"cardImg":271,"category":272,"soon":275},{"title":290,"slug":291,"date":292,"name":290,"cardImg":293,"category":294,"soon":275},"Flexible installment repayment","flexible-installment-repayment","2026-03-20","\u002Fcases-img\u002Fflexible-installment-repayment-card.webp","Top marketplace, CIS Region",{"title":296,"slug":297,"date":298,"name":296,"cardImg":299,"category":300,"soon":275},"ATM locator","atm-locator","2026-03-21","\u002Fcases-img\u002Fatm-locator-card.webp","Top Fintech Bank, Central Asia",{"title":302,"slug":303,"date":304,"name":305,"cardImg":306,"category":272,"soon":280},"Beneficial ownership capture","collaborative-loan-application-flow","2026-03-22","Collaborative loan application flow","\u002Fcases-img\u002Fbeneficial-ownership-capture-card.webp",{"title":308,"slug":303,"date":309,"name":305,"cardImg":310,"category":272,"soon":280},"Support request flow","2026-03-23","\u002Fcases-img\u002Fsupport-request-flow-card.webp",{"title":312,"slug":303,"date":313,"name":305,"cardImg":314,"category":300,"soon":280},"Instant rescoring for microloans","2026-05-04","\u002Fcases-img\u002Finstant-rescoring-for-microloans-card.webp",1781082428081]