How KfW ensured liquidity during the Corona crisis by implementing RPA

KfW has many tasks. As a promotional bank, KfW Group supports change and encourages forward-looking ideas – in Germany, Europe and throughout the world.


The COVID-19 pandemic created an unforeseen challenge for the German economy. As one of the most important capital providers during these times, KfW holds a very critical role. Thousands of companies and private citizens face liquidity issues and require help quickly. In light of this urgent need, the government of the Federal Republic of Germany issued the COVID-19-"Abmilderungsgesetz", whose central aim is to limit the negative economic impact of the pandemic on organizations and individuals. Among other elements, the law included an entitlement for a respite.

Due to that, many customers requested a respite from their current loan repayments from KfW. Handling these requests is a mammoth task. The number of applications rose to a never before seen historic high. Processing this wave of applications manually, within the desired run through times, is only possible to a limited extent. But delayed processing could put the companies’ solvency under pressure.

Fast automation of the application handling process is the solution, however, that is not easy to realize given the high-security precautions within the banking sector.

That is why AKOA and KfW started working on an innovative solution immediately.

Which solution approach has been chosen?

With the rise of the COVID-19 pandemic, a special project to quickly develop and run a “robot” was launched in cooperation with KfW and AKOA.

This robot operates the existing systems exactly the same way an employee would – up to that point, the systems had been used for manual handling. In addition, using Robotic Process Automation technology also reduced security risks and automation is simply added ‘on top’. Legal and technical requirements are still covered by the existing applications.

The big advantage is that the robot can work a lot faster and even more important, around the clock, without further straining the employees.

Within only five weeks, an automation process of the digital requests for a respite had been realized. A result which would have taken several months to achieve using traditional approaches.

The robot ran until the end of the moratorium and to date has handled thousands of applications successfully. Ensuring liquidity for customers quickly helped KfW to get through the crisis. The workload within the relevant KfW-units has come back to an attainable level after the go-live of the robot.



The challenges we faced

⏰Time pressure: Due to the COVID-19 crisis many companies need a response to their application fast.


          ➡️ Solution: By using innovative RPA technology the duration of implementation can be reduced significantly.

🛡️ Security requirements: Banking processes must be followed strictly, at all times – even when things have to be done fast.

                ➡️Solution: In order to ensure double-checking, two robots working completely independent of one another have been developed so that the work of one robot, which processes an application, is checked by a second “approver” robot. Only complete congruence between these separated duties allows the closing of the application.

🕵️ Traceability: The automation must be traceable at all times in order to rule out any possibility of mistakes.


               ➡️Solution: By implementing complete data backup and a dashboard, traceability, and compliance with quality standards could be accomplished sustainably.

Which concrete improvements have been achieved?

Fast and fully automated processing:

               ➡️Due to an automation ratio of 80% the applications could be processed within only a few hours. 


Lasting improvement by reducing mistakes:

               ➡️By automizing and implementing quality check mechanisms, mistakes have been almost completely ruled out regardless of the increased amount of applications.


Managing workload:

               ➡️Shift and weekend work could be avoided regardless of the record-high number of applications.                                                                                                                   

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