Overview
Sirma has developed CeGate, a cutting-edge data integration platform tailored for the financial industry. Its primary function is to consolidate customer data from various internal and external sources into a unified database. CeGate aggregates information on individuals and legal entities from official registers, banking systems, and public data, providing financial organizations with comprehensive, reliable, and up-to-date customer profiles.
Users can access this consolidated data through secure desktop applications and RESTful APIs. The integrated information supports essential processes throughout the organization and also powers AI-driven agents that conduct advanced credit analysis and loan assessments. This functionality promotes automation and enhances precision in financial decision-making.
The Challenge
Financial organizations today encounter significant challenges in sourcing, consolidating, and utilizing vast and fragmented customer data. Loan officers and credit experts often spend a considerable amount of time manually collecting and verifying data from both digital and paper-based sources, which can lead to delays and inaccuracies. Moreover, evolving regulatory requirements, such as GDPR, AML, and KYC, impose strict demands for data management and auditability. These complexities impede the ability to perform real-time, comprehensive customer assessments that are crucial for evaluating risk, ensuring compliance, and enhancing customer experience. Additionally, integrating data pipelines with AI-driven credit and risk models necessitates reliable, comprehensive, and timely data provisioning, a task that traditional systems frequently struggle to accomplish.
The Project Scope
The project addressed:
- Building a secure middleware platform integrating multiple authoritative external data sources, including the Central Credit Register, Bank Account Registers, National Social Security Institute, Open Banking platforms, and others;
- Consolidating internal customer data from sales, service networks, campaigns, and interactions;
- Ensuring full regulatory compliance with national and European data protection laws, including managed access rights and audit capabilities;
- Providing flexible, open architecture for seamless data access via APIs and desktop tools across the client organization;
- Enabling the ingestion of unified customer data into AI agents for enhanced credit scoring, risk analysis, and loan decision automation;
- Supporting scalability to accommodate growing data volumes and emerging data sources dynamically.
The Solution
CeGate serves as a secure gateway that facilitates traceable and encrypted data exchange between authorized financial organizations and various primary information administrators, including government registers, national banks, and open banking providers. The platform monitors API requests in real-time, validating both authenticity and access rights to prevent unauthorized data usage. Middleware directs information that flows directly into client infrastructures without storing sensitive data externally, ensuring a high level of security and compliance.
The consolidated data output from CeGate serves as a key knowledge base for AI-enabled credit and loan assessment agents, leveraging multi-source customer profiles for improved analytics, risk scoring, and predictive modelling, enhancing the accuracy and speed of credit decisions.
In credit risk monitoring, AI streamlines the processing of financial reports from corporate loan customers, often received in varied formats. This reduces processing time from days or hours to minutes, enabling monitoring units to quickly identify deviations in financial health. Access to machine-readable data from the Commercial Register further strengthens our credit risk monitoring capabilities.
Results
- Dramatically accelerated customer data collection and initial credit assessments, reducing loan processing times;
- Enabled comprehensive, real-time 360-degree customer insights supporting better risk evaluation and personalized offerings;
- Minimized manual data reconciliation and entry, improving efficiency and reducing operational costs;
- Strengthened compliance through traceable, secure data governance aligned with evolving regulatory frameworks;
- Empowered AI agents with rich, validated data to automate credit scoring and loan assessment, enhancing decision consistency and reducing human bias;
- Scalable and extensible platform adapting to expanding data source ecosystems and organizational needs.
Technologies and tools
- Secure middleware platform with encrypted API management and authentication controls;
- Integration with numerous authoritative registers such as Central Credit Register, RegiX, Social Security Institute, Open Banking APIs, Commercial Register, and more;
- Desktop applications and RESTful APIs providing flexible, user-friendly data access;
- Compliance components ensuring GDPR, DPA, AML, and KYC regulations adherence;
- Data caching and routing technologies optimizing performance and operational costs;
- AI agent frameworks consuming CeGate data for credit risk analytics, loan decision automation, and predictive modeling.
Why should you work with us?
Sirma collaborates with financial organizations to tailor CeGate’s capabilities to their regulatory, operational, and technological needs. The partnership focuses on deployment support, custom integration, and compliance assurance. By integrating AI-enabled credit analysis into client workflows, Sirma facilitates automation while ensuring trust and transparency. This approach builds long-term relationships, enhancing client competitiveness, compliance, and customer satisfaction through advanced AI-driven financial intelligence.
