Executive Summary
In 2025, Zenotris partnered up with a growing fintech company which is based in the United Kingdom. Zenotris helped in improving the fintech company’s essential operations using methods like process mining and complete digital optimization. Our main focus was on the most pressing challenges in areas like payment workflows, customer onboarding, and compliance. Zenotris helped the client grow faster, improve risk management, and achieve higher customer satisfaction than their competitors.
Background & Challenges
Nowadays, the UK fintech industry is booming. The industry is facing intense competition and increased scrutiny from regulators. Our client, which processes millions of transactions each year and brings in thousands of customers monthly, encountered several challenges such as:
- Manual and Fragmented Payment Workflows: The client had complicated accounts payable and receivable processes. Along with manual approval stages and disconnected systems, extended settlement times by up to 4 to 6 days, which was too slow for digital-first consumers.
- Regulatory Compliance Gaps: Without real-time process monitoring, it was difficult to meet strict FCA and GDPR standards. Zenotris easily identified that this posed a risk of fines and jeopardized the company’s partner trust.
- Customer Onboarding Delays: The fintech company’s inconsistent, non-standard journeys led to up to 40% drop-offs during identity verification and also KYC stages. Zenotris team could clearly spot that it was directly affecting the company’s growth and retention.
- Limited Real-Time Insight: The company’s leadership relied on past reporting. Therefore, they could not quickly identify or fix workflow issues as business volumes increased.
Engagement Objectives
Zenotris was brought in to:
- Show the true nature of operational processes through digital event data instead of interviews or assumptions.
- Eliminate manual steps that slow down processes and can lead to errors, improving speed, accuracy, and compliance.
- Standardize onboarding and transaction approval processes to satisfy both regulatory and customer needs.
- Provide real-time, useful process information to all stakeholders for timely actions and ongoing improvement.
Today’s logistics economy rewards innovators. Technology is no longer considered a luxury; it is the foundation of competitiveness. Those who use tools like process intelligence increase their resilience, visibility, and agility. These characteristics are crucial in marketplaces experiencing change, uncertainty, and increased customer demands.
Firms that fail to innovate risk falling behind. Manual oversight cannot keep up with the complexities of global logistics. While competitors streamline and optimize, laggards lose money, customers, and reputation. In a business where every second counts, inefficiency may soon become the costliest liability.
Technology enables logistics organizations to not only survive, but grow. Businesses achieve long-term growth by combining data and action. others that act early have a competitive advantage over others who wait until inefficiencies destroy value.
Transformation Solution
- Process Mining and Mapping
In order to fix the company’s current issues, Zenotris used advanced process mining analytics. The tools were across the client’s banking, payments, and onboarding platforms to create a clear, end-to-end view of all workflows. This also included hidden gaps and slow points.
- Bottleneck Analysis and Root Cause Remediation
Each process map was reviewed for compliance. Problematic areas, like payment approvals and incomplete onboarding flows, were examined. Manual activities were replaced with automated routing and well-defined digital checkpoints.
- Automation and Workflow Standardization
Zenotris implemented automated queue and rule-based routing for regular payment and KYC scenarios. This cut down on escalations and sped up turnaround times. Digital Standard of Procedures ensured each and every customer and transaction followed the quickest and most compliant route.
- Real-Time or Live Dashboards
Live dashboards were enabled in order to display the process status, exceptions, regulatory risks, and cycle time data across customer and transaction life cycles. It provided the client with instant visibility and action, helping them to make quick decisions without any guesswork.
Quantitative Results
Payment Cycle Time: Within a short-time, the payment cycle time is reduced by an average of 53%, from 4.6 to 2.1 days. It led to faster settlements and improved liquidity.
Onboarding Speed: Automation shortened the average onboarding journey by 38%. This helped in lowering customer drop-off from 40% to below 17%. It also helped in significantly increasing customer satisfaction scores.
Compliance Readiness: Digital audit trails and live compliance monitoring cut response times for regulatory inquiries from 7 days to less than 24 hours. Due to this the audit finding rates were declining sharply.
Cost Efficiency: There was a 21% reduction in the full-time employee workload for repetitive admin tasks, which saved over £450,000 each year.
Process Reliability: Human errors and exceptions fell by a percentage of 61, with more than 90% of new onboarding and transactions handled through optimized digital processes.
Market Advantage: Improved speed and reliability led to double-digit growth in active users and a 7-point increase in NPS.
Broader Strategic Impacts
Scale and Agility: The company’s operations are now ready to support new product launches, regional growth, and M&A integration.
Risk Reduction: Automated checks and monitoring significantly lower liability exposure and help prepare for future regulatory changes.
Continuous Innovation: The company’s leadership now relies on up-to-date analytics instead of past reports, fostering a culture of rapid improvement.
Conclusion
Zenotris enhanced the UK based fintech company with proven, data-driven process mining and digital workflow optimization. Our approach unlocked the company’s compliance, speed, and profitability in modern finance. Any growing fintech or challenger bank looking to advance their business should partner with Zenotris for operational excellence and regulatory assurance.