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REAL-TIME CAPACITY PLANNING FOR KYC VIA PETRI-DES
Abstract:
Banking back-office workflows (loan approval, KYC - know your customer) face volatile demand and regulatory frictions, making service levels sensitive to congestion. We propose an agile capacityplanning workflow that links formal process verification (workflow Petri nets), queueing analytics (M/M/c with Quality-and-Efficiency-Driven (QED) square-root safety), and discrete-event simulation, with time-series forecasts translated into interval design rates via the upper 0.95 quantile (L95) and a utilization cap. Using public euro-area credit volume data as an arrivals proxy, the approach first ensures workflow soundness, then applies rapid analytic sizing, and finally confirms end-to-end effects in a three-stage KYC → Scoring → Contract model. In a scenario that meets L95 under the utilization cap, end-to-end lead times are substantially reduced and the upper-tail delays stabilized while stage-level utilization remains bounded. The framework offers transparent, reproducible rules for agile staffing in banking and can be instantiated either by raising service rates or by adding servers, depending on operational constraints.
CITATION:
IEEE format
D. Đukić, V. Midić, “Real-Time Capacity Planning for KYC via Petri-DES,” in FINIZ 2025 - The Importance of Business Agility in the Modern Business Environment, Belgrade, Singidunum University, Serbia, 2025, pp. 51-58. doi: 10.15308/finiz-2025-51-58
APA format
Đukić, D., Midić, V. (2025). Real-Time Capacity Planning for KYC via Petri-DES. Paper presented at FINIZ 2025 - The Importance of Business Agility in the Modern Business Environment. doi:10.15308/finiz-2025-51-58
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