That's what KBZ Bank faced while processing 200+ monthly requests for prepaid card refunds, cancellations, renewals, and replacements. These workflows involved multiple teams but relied on disconnected tools like email and spreadsheets, leading to fragmented communication and delays.

KBZ didn’t need a new core banking system; they needed a better way to manage these critical workflows. They chose FlowStax, a modern no-code platform designed for banking automation.

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The Challenge: A Disconnected Process

Even with robust core systems, KBZ’s card operations had major gaps:

• Fragmented Communication: Branches submitted requests via email, often with missing information. Teams had to follow up with time-consuming calls and chats.

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• No SLA Tracking: Deadlines were frequently breached with no visibility or accountability. Delays went unnoticed until a major issue arose, leaving section heads in the dark.

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• No Centralized View: Teams worked in silos. Actions were not logged, and documents were scattered across inboxes and drives, making it impossible for managers to track performance or bottlenecks.

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The Solution: A Unified Flow with FlowStax

KBZ used FlowStax to build custom digital workflows for their prepaid card operations.

Centralized Request Intake:

Branches now submit requests through structured digital forms. Mandatory fields ensure complete, error-free submissions from day one, while all documents are securely stored and indexed by ticket number.

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Automated Workflow Routing:

Requests automatically flow between teams—from the Branch to Prepaid Operations and finally to Settlement. Each team sees only its relevant tasks, reducing duplication and manual follow-ups.

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Real-Time SLA Monitoring:

Individual SLAs are set for each stage of the process. FlowStax tracks these deadlines in real time, alerting team members as tasks are assigned or deadlines approach. This proactive approach ensures issues are addressed before they become problems.

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The Impact: Measurable Transformation

FlowStax delivered measurable improvements in efficiency, visibility, and compliance.

"Before FlowStax, communication and coordination were handled via email. Now, tasks are executed in a timely and coordinated manner.” — Head of Settlement Team, KBZ Bank

SLA Transformation:

Initially, KBZ had conservative SLAs of 30 days. With automated tracking and escalations, they were able to reduce this to 25 days—all without compromising service quality.

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Operational Transparency:

Branch staff can now see the real-time status of any request, eliminating constant follow-ups. Operations leaders gain full oversight through dashboards and reports that show SLA performance and real-time progress.

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Enhanced Compliance:

The platform ensures that all prepaid card processes are fully audit-ready. Every action is logged with a time stamp, documents are archived by ticket ID, and digitized approvals improve accountability.

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Scalability Beyond Refunds:

The initial success with Refund & Cancellation workflows led KBZ to add Renewal & Replacement processes. Now, both workflows operate on a single platform with consistent routing, SLA monitoring, and full visibility. This demonstrates FlowStax’s ability to handle a wide range of complex banking processes, from KYC verification to loan origination.

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FlowStax at a glance - KBZ Bank

KBZ has successfully transformed its operations with FlowStax, achieving scale, efficiency, and visibility across multiple teams:

• Over 2 million records have been processed through FlowStax to date.

• 31 automated workflows now run across 20 different applications.

• 12 different departments ranging from operations to finance teams are actively using FlowStax nationwide.

This extensive adoption proves that FlowStax is more than just another workflow tool; it's a comprehensive platform for digitizing and streamlining complex banking workflows.

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You Don’t Need More Software. You Need Better Flow.

Manual workflows are costing you time, accuracy, and control. FlowStax helps leading banks replace fragmented spreadsheets and inboxes with fast, compliant, and scalable processes. By implementing FlowStax, KBZ Bank moved from fragmented, manual card operations to a fully digitized, SLA-driven, highly visible platform—all without writing a single line of code.

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