“Flowize makes it easy for us to maintain the credit check rules and will allow us to react timely to new business needs.”

Johansen Henanger, Chief Credit Officer, Optin Bank ASA

Implementation of Flowize at Optin Bank ASA improves credit check processes

Optin has clear ambitions to redefine future payment solutions and banking services by challenging the traditional ways in everything they do. Designing user-friendly solutions to real customer needs. Provide unique insights and build long-term relationships with their users and partners. 
As a bank, they are committed to technology development to ensure their customers the very best product on the market.

For companies like Optin, innovation is achieved through new technology and by using old technology in a new way. Tools like Flowize ensure that they can offer their customers a stable and secure service, while at the same time having both the muscle and flexibility to invest in new and better technology.



  • Even smaller adjustments in the risk rules took a long time.
  • Unwanted dependency on 3rd party resources to make necessary adjustments.
  • No client-centered credit management process, resulting in low customer satisfaction

The excellent integration with existing information systems and the automated workflows of Flowize save hours per day in painstaking research. At the same time, the output is faster, customer-friendly, and automatically directed to the most suitable channel for each customer.



  • Annual savings of appr. € 125 000 related to consumer loan process alone.

  • Improving time to market, both developing new processes and maintaining and updating existing.

  • Reduced dependency on IT resources by enabling the business side to do parts of the development and maintenance themselves.

About Optin Bank ASA

Optin Bank is a new Norwegian bank that sets the payment standards today – and in the future. It has both domestic and international distribution partners, with a global footprint spanning more than 20 countries. Combined, this provides access to over 2.7 million active customers with over 250,000 daily interactions.

Fast facts

  • 7 countries
  • 100+ offices in Northern Europe
  • 2,300+ professionals
  • 150,000 clients

The challenge

People brainstorming
Time to market: Optin Bank was dependent on external service providers to make even simple changes in their risk rules. Leading to cumbersome and time-consuming change processes.

  • Cost: As the risk rules were implemented at the external service providers, even the most straightforward changes incurred high transaction costs.

  • High dependency on IT resources: All changes in the risk rules resulted in code changes

The approach

Optin Bank realized that they had to improve their processes to enable more business, both related to cost and time to market. They started to look for alternative ways to improve their credit check process. Their requirements for a new solution had to be able to handle integration towards both internal and external systems and workflow.

Optin Bank chose Flowize to improve its time to market, reduce cost, and enable personnel within Risk to maintain the rules by themselves. The Integration and Workflow & Rules engine solve the Optin Bank’s requirements.
 Flowize has an intuitive and modern interface where you can improve your Time-To-Market by use of a configuration (no coding), whether it is building new solutions or extend functionality in your present solutions.


The implementation has been a joint effort between Optin Bank and Flowize Nordic, where the number of resources from Flowize Nordic in total was less than 1,5 working months. The delivery also included the development of a new Flowize app that should handle financial functions similar to Microsoft Excel. The Flowize team conducted the development and delivered it for testing within one week.
During the test period, and now in production, the Risk department can modify the credit check rules themselves. This has been achieved with minimal education, doing hands-on training.

Bjarne Sørum, Chief Technology Officer Optin Bank ASA: “The solution has proved to be robust and flexible, and we plan to use this infrastructure to improve our bank’s processes further within other business areas.”

download this case as a pdf

Read this case at your leasure.