Haase, Paul-Gerhard; Nastansky, Ludwig: Das BONITAS-System: Prozessorientiertes Bonitätsmanagement im Finanzservice unter Einsatz von Groupware-basierten Komponenten für das Knowledge Management, Zeitschrift für Wirtschaftsinformatik, Vol. 44 (2002) 1, S. 65-73 2002.

THEMES: Haase, Paul-Gerhard | Nastansky, Ludwig\...\Workflow appli...
META STRUCTURES: CH\...\Wissensmanagem... | LN\Papers | LN\...\01_Collaborati... | LN\...\03_Collaborati...
YEAR: 2002


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Das BONITAS-System: Prozessorientiertes Bonitätsmanagement im Finanzservice unter Einsatz von Gro...05.01.2001 17:41
Innovative ProdukteZusammenfassung: Das BONITAS-System dient der integrativen Abbildung und Prozessgestaltung von Informationsverarbeitung und Kommunikation im Bonitätswesen von Finanzinstituten. Ein wesentliches Ziel ist die Schließung von teilweise gravierenden Lücken bisher bestehender Methoden des Kredit- bzw. Bonitätsmanagements. Sie basieren vor allem auf sog. „harten“ betriebswirtschaftlichen Daten bzw. Kennzahlen und einer stationären Sichtweise. Stattdessen liegt hier der Schwerpunkt darauf, Bonitätsmanagement auf ein prozessorientiertes Knowledge Management mit offenem Informationspool hin auszurichten. Systemarchitektur und Paradigmen des BONITAS-Systems orientieren sich an einem CSCW-Ansatz (Computer Supported Cooperative Work). Ein innovativer Prototyp wurde als Groupware-Framework entwickelt.

Bonitätsmanagement, Prozessmanagement, Executive Information System (EIS), Workflow, Groupware-Framework, Knowledge Management, Soft-Facts, Compound-Documents

Tool support for professional credit-rating is currently dominated by data-oriented approaches. This results in primarily focusing on hard facts in the financial institutions’ process of evaluating credit inquiries of their customers. Content objects and arguments which cannot algorithmically be mapped onto rigid data-tables (“soft facts”), however, with the potential of having a decisive impact on credit assessment, tend to be not sufficiently and appropriately placed into consideration. The BONITAS system overcomes this structural lack of information processing in traditional credit management systems in adding to the traditional approach innovative groupware-enabled capabilities. Compound documents in a messaging context are used to be integrative containers for all relevant information. These documents support both information gathering and evaluation of “hard” data and “soft” facts as well as semi-structured information gathering workflows allowing for a continuum of assessment-specific process options. The creation of valid and marketable business knowledge in credit management processes is basically team-driven. Thus, the essential features of groupware-based information management systems, i.e. their outstanding capabilities in communication, collaboration and coordination, represent critical baselines for improving the decision quality in credit-rating. An important goal of the BONITAS system is to aim at creating a constantly improved knowledge base on credit management workflows. This knowledge base is continuously being maintained in the operational progress of customer projects. It enables the financial institution to judge on the financial strength of upcoming clients in a holistic and anticipating evaluation process superior to traditional much more static assessments.

credit-rating, process management, executive information system (EIS), workflow, groupware, knowledge management, soft-facts, compound documents

Erschienen in: WIRTSCHAFTSINFORMATIK 44 (2002) 1, S. 65-73