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Digitalization of Direct Lending Process at SIDBI: A Step toward Hyperautomation
內容大綱
A year had passed since implementing digitalization of the direct lending process at Small Industries Development Bank of India (SIDBI), and the committee gathered on January 2, 2023, to reflect on its success and identify any issues. During the meeting, the team discovered that some businesses faced issues with loan sanctioning due to the need for relaxation of certain policies. Because the system-driven processes were based on standard procedures, the committee faced a dilemma in how to handle these relaxations. Although the system was automated, there were still certain areas that required manual interventions. As a result, the team deliberated whether SIDBI should move toward hyperautomation.
學習目標
The objective of the case is to help students understand the need of digitalization in a traditional set-up and to learn the challenges of the digitalization process and implementation. The case reinforces the need of digital intervention in scaling up a businesses and following a seamless process to eliminate manual interventions as much as possible. The case gives students the opportunity to do the following:<ul><li>Understand the challenges faced by SIDBI in their manual direct-lending process and the need of digitalization.</li><li>Learn how to carry out a digitalization process in an organization and how to handle the challenges.</li><li>Understand the concept of hyperautomation and its significance for businesses.</li></ul>