---
title: "Idea Bank | Success Story | HES FinTech"
description: "Idea Finance needed a system that would allow for maximum lending platform automation. ✔ Case Study - Idea Bank"
url: "https://hesfintech.com/clients/ideabank/"
updated: 2026-09-09
---

LoanBox & IdeaBank

# IdeaBank processes loan applications 5x faster

Idea Bank is an international banking group services small business entitie, micro, small and medium enterprises.

Founded in

2009

Markets

Poland, EU

Team size

740

Type

POS lending

**3 mo.** time-to-market

**2.5K** chain stores using the system

**5x** faster application process

Challenge

## POS financing deals made easier

Idea Bank collaborates with more than 2.5 thousand retail chains and online stores nationwide to offer consumer lending services. It required a comprehensive system to automate loan application collection and processing for POS consumer financing deals.

HES LoanBox reduced the processing time for each new loan or leasing application by 5x.

Vladimir Pilipenko

CEO at IdeaFinance

Approach

## Fast development of a configurable POS platform

In less than 3 months, the HES FinTech team gathered requirements, analyzed and documented business processes, and performed customization and implementation of the solution. The system was subsequently introduced to all Idea Bank’s partner retail sites.

Result

## Fast & automated loan application flow

With the implementation of HES LoanBox, Idea Bank reduced application processing time by fivefold. The entire process was automated, requiring no additional checks by personnel, which led to significant operating cost reductions and gave Idea Bank a competitive advantage.

Application · Onboarding · Contracts

With the implementation of HES LoanBox, Idea Bank reduced application processing time by fivefold. The entire process was automated, requiring no additional checks by personnel, which led to significant operating cost reductions and gave Idea Bank a competitive advantage.

- Administrative interface for management of partners, POSs and system users.
- Multiple loan product support.
- Multi-step application process. Template-based document generation.
- Manual and automated application processing and loan decisioning.
- Integration with the bank’s internal databases, credit bureaus and external data sources.

[Download PDF version](https://hesfintech.com/wp-content/themes/hesfintech_eng/docs/cases/idea_bank_success_story.pdf)

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