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Connection of banks to basic registers

Client data quickly and securely

Working with client data is an integral part of a large number of banking processes. Therefore, one of the main goals of every bank should be to connect to the systems of basic registers. Only then can banking institutions have up-to-date information about their clients at all times, thereby increasing their efficiency.

At Deloitte, we bring a comprehensive solution for easy and fast project implementation – including a fully functional connector to the basic registers. This will reliably shield your bank from the complexities and specifics of calling ISBR services, monitoring data changes and dealing with non-standard situations. Thanks to this, we significantly reduce the costs of integration and subsequent operation.

Systems for working with client data

Information System of Basic Registers – ISBR

They serve to securely provide reference data on defined objects and entities, to propagate changes in these data, to simplify reporting obligations, to introduce data control and to optimize and unify processes. It includes sub-registers such as ROB (Population Register), ROS (Register of Persons), RUIAN (Register of Territorial Identification, Addresses and Real Estate), RPP (Register of Rights and Obligations).

What are the benefits of connecting to basic registries and NIA?

By connecting to the ISBR, you will get a solid foundation for the integration of identity providers (NIA, BankID) and the extension of the use of bank identity beyond the scope of logging into internet banking. Banking identity can thus serve as a trustworthy tool for verification not only in relation to the state administration, but also in communication with entities in the privatesector.

You will always have up-to-date client data from the System of Basic Registers at hand.

Thanks to automation, time-consuming manual data entry into the system will be eliminated when creating a new client.

Customers will not have to physically visit branches, the bank will arrange for the change of personal data electronically.

Deloitte's solution: Connecting to the ISBR step by step

We will ensure the entire process of registering a bank as an information system that will use the services of the basic registers, we will help with issuing applications and delivering documents, and we will help set up a connection to the test and production environment.

We will plan the entire process of identifying the current client base and new clients and help design the overall architecture of data acquisition and promotion to the bank's environment.

We have a functional solution that will reliably shield your bank from the technical complexities and specifics of SOAP calls for ISBR web services, ensuring data changes and dealing with non-standard situations. Deloitte AIS Gateway is an easy-to-integrate connector into the banking environment. It provides a clear and easy-to-use REST API that enables reliable client identification even in cases with incomplete or outdated data – for example, in the event of an invalid identity document or a name change. The solution covers a wide range of combinations of ISBR service calls and is designed to effectively eliminate most data discrepancies in accordance with methodological guidelines.

Deloitte's AIS Gateway API supports both synchronous and asynchronous modes, which enables efficient mass identification of clients. We also subscribe clients to notifications via API. The connector maintains a link between the bank identifier and the identifier in the ISBR – it is therefore possible to easily distribute all changes to the bank – either by calling the API, sending events or by issuing a database. At the same time, the API allows easy and direct queries for the current data of a specific client maintained in the ISBR.

The connector can also handle non-standard situations, such as the invalidation of identifiers or data in the basic registers.

The connector is implemented in Spring Boot technology and is supplied as a configurable docker image – so it is easy to run on platforms such as Kuberneter or Openshift. It requires a relational database to run.