Instant Contract

by Programerika

Contract documentation automation for banks

Contract documentation —
from hours to minutes.

Instant Contract automates the preparation of the complete contract documentation package: it selects the required documents, fills them with data from the core banking system and hands them over ready for signing. Template changes go through a controlled process with full history, and signing is electronic — no printing.

Book an auditWhat problems it solves

Built on the experience of the solution Programerika developed for ProCredit Bank, running in production. About the first version

New preparation
Contract ID
  • Mortgage loan agreement Ready
  • Loan repayment schedule Ready
  • Promissory note authorization For review
  • Personal data processing consent Ready
  • Notice of the right of withdrawal Ready
Merged PDF ready5 documents · 1 min 42 s
Simplified illustration

Results

More time with clients.
More loans per day.

< 2 min

to prepare one package

manually ~45 min

2–3×

more loans per day per employee

in the back office

0

manual document merges

fully automated

2 months

to a core ready for integration

bank-side customization is additional

  • Fewer errors and returned documents
  • Regulatory changes in production the same day
  • More advisor time with the client

* Conservative estimates for a typical manual loan documentation process. We measure the effect in your bank during the process audit.

The problem

Where time is lost today

Eight places where manual contract preparation costs time, introduces errors and slows down change.

How it works

From data to signature — automatically

Five steps. The advisor does only the first and, when needed, the second — the rest is automatic.

1

Client or contract ID

The advisor enters an ID. The system finds the contract in the core system, or continues with the client only.

2

Data and external attributes

The data model is filled from defined sources. Attributes the core system doesn't hold arrive via API.

3

Document selector

Rules for the contract type determine the exact list and order of documents for this case.

4

Generation and review

Documents are generated and merged. Those that require it go to a controller for approval.

5

Signing and delivery

Electronic signature, then delivery to the client and to the e-archive — by email or via API.

The same flow, started by an external system

One API call with the contract ID and external attributes returns the complete package — no employee in the process.

The solution

Three pillars, eight answers

Each problem has a concrete answer in the product, grouped by the three areas Instant Contract covers.

Document preparation

Problem — Manual package assembly

The whole document package in one run

Today

An advisor assembles a package of 5–15 documents from the core system, the report server and local templates, adding optional clauses by hand — 30 to 60 minutes per loan.

With Instant Contract

  • Document selectorAutomatically determines the exact list and order of documents for a specific contract.
  • All sources in one placeInstant Contract templates, Word templates and report-server reports, in a single package.
  • Merged PDF and individual filesFilled with data from the core system, with no corrections afterwards.
The whole document package in one run
Completed document package with a merged PDF and individual documents
Real product screen

Problem — Complex data mappings

A new data field doesn't start a development cycle

Today

The mapping of templates to data lives in code. A new field or a format change means a request to IT, analysis, testing and waiting for the next release.

With Instant Contract

  • Custom attributes without developmentClient, contract and branch carry their own fields, added in the application.
  • Placeholders from the field catalogSelected and verified, never typed freely.
  • Data sources and external attributesSources are defined in the application — a database query or a web service call — and data the core doesn't hold arrives via API.
Template test

This agreement is concluded between the Bank and the client Client name, for an amount of Loan amount, with a repayment term of Repayment term. The property registered on Registration date serves as collateral.

Filled values are highlighted

Simplified illustration

Problem — Different solutions per channel

The same contract and the same template — in every channel

Today

The branch, digital onboarding and partner sales use three different solutions. A regulatory change is made three times and ends up as three different texts.

With Instant Contract

  • API-firstThe package is generated from the branch application or by a call from an external system.
  • One catalog for all channelsA change is made once and applies everywhere at the same moment.
  • The core stays the source of truthInstant Contract works in the background and returns the result to the channel.
  • Branchapplication
  • Digital onboardingAPI
  • Partner channelAPI

Instant Contract

  • one template catalog
  • one document selector

Core banking system

source of truth

A change is made once and applies in every channel at the same moment.

Simplified illustration

Problem — Uncontrolled review

A document that carries risk doesn't move on without approval

Today

Reviewing generated documents depends on individual discipline. Either it isn't done and errors reach the client, or everything is reviewed and it becomes a bottleneck.

With Instant Contract

  • Review per documentThe review requirement is switched on for individual documents, not the whole package.
  • Review queueThe controller opens the package and approves or rejects it with a reason.
  • Visible package statusIn the package list, next to the client, product and reference.
Document package
4 documentsAwaiting review

Awaiting review (2)

  • Loan repayment schedule
  • Notice of the right of withdrawal

Ready (2)

  • Mortgage loan agreementReady
  • Current account agreementReady
Simplified illustration

Change management

Problem — Explosion of template variants

One template instead of a dozen variants of the same contract

Today

A contract with collateral gets its own copy of the template. So do subsidies, grace periods and pensioners. A regulatory change has to go into every copy by hand.

With Instant Contract

  • Conditional segmentsA clause, sentence or list item appears only when its condition is met.
  • One template, all variantsA change is made once, in one place, with no multiplying copies.
  • Rules without codeConditions are built visually and read clearly, so the legal team can check and confirm them.
Loan agreement — one template
1. Subject of the agreement

The Bank grants the Client a loan under the terms set out in this agreement.

2. Guarantor Conditional segment

The guarantor is jointly liable for the repayment of the loan.

1 template · 8 variantsShowing variant: 2 / 8
Simplified illustration

Problem — Manual change management

A template change is a controlled release, not copying files

Today

Templates are copied to the server by hand. Who changed what, and with whose approval, is reconstructed from file names and emails. Testing happens in production.

With Instant Contract

  • Draft → Test → ProductionEach transition is allowed only for the role permitted to make it.
  • No-downtime transitionContracts in progress stay on the version they started with.
  • Testing with real dataFilled values are color-highlighted, so you see at once what went in.
Notice of the right of withdrawal
  1. Draft
  2. 2Test
  3. 3Production
  • v3Test
  • v2Production

Transition allowed for: Quality assurance

Simplified illustration

Problem — Incomplete change history

Every change and every preparation leaves a trace

Today

There is no single history. What a template said six months ago, and who changed the interest-rate clause, is answered by digging through the file system.

With Instant Contract

  • Version history and comparisonAuthor, time and comment for every version, and differences at the clause and placeholder level.
  • Restore and exportA previous version becomes the new working one while history stays intact. Templates export to PDF for legal and audit.
  • Preparation historyModel values are stored with each preparation, so the same package can be downloaded again.
Every change and every preparation leaves a trace
Template version history with Test, Production and Withdrawn statuses
Real product screen

Electronic signing

Problem — Signing outside the system

Signing is part of the same process, not a separate tool

Today

The package is printed, signed, scanned and returned to the system by hand. A signing service, if there is one, knows nothing about the preparation.

With Instant Contract

  • Three ways to signCloud certificate, verification code or handwritten signature on a tablet.
  • No export or scanningThe prepared package goes straight to signing.
  • Delivery by email or APIPrinting remains an option case by case, when the client prefers it.
Signing

Signing method

  1. Signing request sent to the client
  2. Client confirms on a mobile phone
  3. Signature is being processed
  4. Signed · delivered to the client and the e-archive
Simplified illustration

Roles

Who does what — every team on its own work

The work goes back to those who truly own it: the legal team and operations.

Legal team

Changes contract text and display conditions in the web editor. No request to IT and no waiting for a release.

Administrator

Maintains the data model, data sources and the document selector — in the application, not in code.

Quality assurance

Tests a template on real data and approves the move from Test to Production.

Front office

Starts a preparation by entering an ID, reviews the package and sends it for signing.

Controller

Approves or rejects the documents that require human review.

IT

Builds the integration, data sources and infrastructure — once, not for every change to the contract text.

Architecture and integration

Fits into your existing system — doesn't replace it

One service, many consumers. Your core banking system stays untouched.

The core stays the source of truth

Instant Contract doesn't hold client or contract data — it reads it, uses it and returns the result.

API-first

Every function is available through the API, so the solution integrates into any channel.

On-prem or cloud

On the bank's own infrastructure or in the cloud, according to bank policy.

Security and auditability

OAuth2, digital signature and complete logs of every change and preparation.

Technology

  • Java Spring Boot
  • Vue 3
  • TypeScript
  • Microsoft SQL Server
  • PostgreSQL
  • REST API
  • OAuth2
  • Digital signature

Why Programerika

Banking automation, delivered

We have been building software directly on top of core banking systems for more than 25 years.

Banking depth

25+ years of work directly with core banking systems.

A senior team on the project

Architects and team leads work on the solution, not just on the proposal.

Local pricing

Development in Serbia, with the delivery standard of large integrators.

A small, focused team

Fewer defects, shorter cycles, clear responsibility.

ProCredit Bank
This project is an example of how it should be done. With high quality of project documentation and efficient execution coordinating multiple international teams to deliver complex automation solution involving multiple systems.

ProCredit Bank · Online Bank Account Opening Project Manager

Built on the experience of the solution Programerika developed for ProCredit Bank, running in production. About the first version

Banking automation we have delivered

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Rollout

Every phase delivers a result that stands on its own

No commitment before you see the effect.

01

Process audit

A 90-minute workshop: we map the current preparation process, measure where time is lost and estimate the effect.

no commitment
02

PoC on one contract type

One real contract type, with your templates and your data — so you see the solution on your own case.

proof on your data
03

Integration and core delivery

Connection to the core system, the data model, templates and the document selector in a production environment.

core in 2 months
04

Expansion

Other contract types, more channels and electronic signing — according to the bank's priorities.

in phases

Phase 01 commits you to nothing — the result is a written finding with an effect estimate and a delivery plan.

FAQ

Frequently asked questions

  • No. The core system stays the source of truth for client and contract data. Instant Contract replaces the part that works with contract templates and prepares documentation today: it reads data from the core, assembles the package and returns the result.

  • Yes. Word templates remain a first-class source in the package, especially for documents with more complex design. For contracts with many variants we recommend Instant Contract templates with conditional segments, because a dozen copies of the same contract become one template. Which document goes into which format is agreed during rollout.

  • Yes — on the bank's own infrastructure or in the cloud, according to bank policy.

  • The legal team changes text and conditions in the web editor, and an administrator maintains the data model and the document selector. IT builds the integration once, not for every text change.

  • We deliver a core ready for integration in two months. Bank-side customization and expansion to other contract types follow in phases.

  • A free 90-minute workshop, with no commitment. The result is a written finding with an effect estimate and a delivery plan.

  • It's API-first: a package is generated from the branch application, or with a single API call from digital onboarding or a partner channel — from the same template catalog.

From the real product

Software that already runs

A few screens from the application: the process list, package review and client signing.

Real product screen

Next step

Book a free audit of your contract preparation process

Ninety minutes of joint work: we map your current process, identify where time is lost and propose a concrete plan with a delivery estimate and the expected effect.

Book an auditOr visit the contact page
office@programerika.com +381 63 669 969
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