Digital Transformation
Bank of Montreal
A custom designed interface and experience for customers and BMO employees, improving the mortgage purchasing process making it faster.

Challenge
Legacy mortgage processing required 48+ hours of manual work, creating bottlenecks, compliance risks across branches. Manual approvals, validation and routing introduced delays, errors, and inconsistent audit trails.
Solution
We designed a custom and modern digital solution that extracts, validates, and routes mortgage application data in a singular direction. The system integrates with branch workflows, validates all parties involved had an audit trail for every decision right through to the very end.
Results
Time Saved Per Application
20 minutes
Data Accuracy
99.2%
Processing Time
Same Day
Compliance
OSFI Ready
“Our environment was understood from day one. The digital system built doesn't just save time - it reduced our compliance exposure significantly.”
- Hank Le, Product Owner, BMO

