The solution

Rather than waiting on their current technology partners who were already dedicated to larger projects, BMO’s small business credit card team wanted to digitize and automate their credit card application. And, they wanted to bring it to life with as little IT support as possible. After a rigorous evaluation process with a handful of other technology vendors, Daylight was chosen as the preferred solution.

BMO's small business team used Daylight’s platform to develop and iterate on multiple versions of the customer experience, ultimately delivering exactly what they hoped for. They went live with Daylight to power their online, phone, and branch experiences for every small business credit card application.

A normal project of this size would require four or five developers, a project manager, and a UX designer to handle the transition. But, with Daylight’s help, BMO’s new digital experience was operational within six weeks and required only one internal SME. And, even though the back-end solution wasn’t ready at launch, there were advantages to releasing the personalized digital experience first:

Daylight’s platform was able to feed data back to BMO’s technology groups so they could test what they were building against real data.

When the back-end solution was complete, the BMO small business team was able to easily connect their Daylight digital experience to the new solution, further reducing processing times and creating the ideal end-to-end process.

BMO’s small business team gained feedback from staff and customers quickly, allowing them to iterate and improve issues before the back-end solution was ready.

The Daylight platform helped BMO’s small business team launch their digital experience faster, gaining several more months of error-free applications than they would have had they waited for internal resources to help.


Internal projects vs. Daylight's low-code platform

Over the next few months, BMO continued to refine the solution. Even while these modifications were happening in the background, BMO was still generating results. Once BMO’s other backend system was ready, Daylight’s platform started sending the data through that system and set of processes, and BMO's IT team simply archived the PDFs. When the new back-end system was ready and it was time to transition, there was no downtime and no new investment required. The only thing BMO’s IT team had to update was a line of text indicating how long it would take to get an answer or approval­—the benefits of using live data from the new digital experience had paid off.