The client was a large international bank (its branch in Poland). It is an universal bank, offering everyday banking services, such as personal accounts and credit cards, saving sor loans, as well as products of leasing, investment and insurance. The bank, which was the beneficiary of the project, has an extensive network of own branches and partner facilities throughout Poland. It is one of the most innovative banks in Poland, strongly advanced in Electronic banking and with the digital evolution approach.


With many changes in Polish law coming into force (including the Civil Code and the Code of Civil Procedure), the set of requirements appeared. It mainly regarded full electronicisation of the information exchange process between enforcement authorities and the bank, aiming to eliminate paper documents circulation. The goal of the project was to adapt the account receivables in the area of enforcement, to achieve compliance with the new law before its entry into force in September 2016.

The key problem was to increase SLA (Service Level Agreement) parameters – give response to Kir within 6 hours after receipt of the letter and increase in the number of letters per unit of time (connecting new entities to the system). This has previously meant the need for a significant increase in employment to receive these letters.


The introduction of Garnishment Management System allowed to reduce the risk, resulting from manual handling of the process. The debt collection process has been optimized, which significantly shortened the time of handling enforcement letters and helped to eliminate costs related to the generation and dispatch of paper letters.

One of the most important benefits, obtained through the automation of the process is the effective monitoring of the client’s account, available from the BPM real-time desktop, with the simultaneous handling of the amount free from seizure bailiffs and the payment of funds to the enforcement authorities.

„This implementation has helped us to save our valuable human resources, significantly shortened the response time to KIR. We can work much more efficiently today.”

Project Manager


Ognivo is an Internet application, developed by the Polish national clearing house KIR – Krajowa Izba Rozliczeniowa. Since 2007, KIR enables information exchange etween participants of Elixir and Euro Elixir clearing systems (including banks) and institutions such as: ZUS (social insurance office), Poczta Polska (national post office, tax offices, customs chambers, administrative enforcement authorities, court bailiffs and law enforcement agencies: courts and prosecutors. Ognivo manages the complaints process and handles queries related to clearing interbank transactions, carried out by KIR.

The solution proposed by Inteca received the working name: Garnishment Management System (GMS)

In the process of downloading messages from the Enforcement Bodies through the Ognivo system, the system primarily checks the validity of the qualified signature of each received message. The system has a module for validation and issuing electronic signatures (in accordance with the eIDAS EU directive). In the case of positive verification, the system automatically verifies the compliance of the data provided with the clients’ data owned by bank (client verification) and identifies the bank products (accounts) it has. Then, the business rules are evaluated and the operation in the banking system is performed. After the message has been processed and after the messages have been certified by a qualified signature, the response to the Enforcement Bodies on the requested activity is sent to the Ognivo system.


GMS – technological excellence thanks to webMethods

The client has elements of the webMethods technology stack in his infrastructure, therefore the solution was based on the BPMS tool, so the processes were efficiently modeled, optimized and automated.