With the Partners module, the Credit Intermediary starts by simulating a Credit Application based on the available offer. The desired simulation is then subject to a preliminary eligibility calculation, by collecting some elements from the applicants (income, charges...). Later, it is possible to upload to the Partners Portal the complementary documentation of the proponents (age, profession, identity document, tax number, salary receipts...) and of the process (house plans, specifications...), being this immediately available for later consultation in the bank branches, simplifying the whole bureaucratic process of the operation.

The credit request entered in the portal is automatically transformed into a credit proposal in the bank's credit workflow and forwarded to the work queue of the branch selected by the customer for this purpose. The progress of the proposal can be followed directly in the Partners Portal since it is synchronized with the bank's credit workflow.

This functionality is already in operation in Crédito Agrícola's digital channels. Licínio Pina, Chairman of Grupo Crédito Agrícola, believes that "the introduction of this feature in Crédito Agrícola's digital channels represents another step towards our adaptation to digital business and an approach to business models that aim to meet the profiles of a new generation of customers who increasingly prefer to interact with the bank in a practical, fast and innovative way, rather than the traditional physical presence and consequent travel to the bank's branches". 

In turn, for Ricardo Campos, CEO of ITSCREDIT, a specialist in developing software for monitoring all phases of credit, "the fact that we have been chosen by Crédito Agrícola to be responsible for providing this functionality based on our credit platform is a source of pride and motivation to continue to develop solutions tailored to the challenges that are launched by our customers in the financial sector".