Hybrid process technologies in the financial sector

Danish mortgage credit institutes deal with highly variable and knowledgeintensive processes. At the same time these processes are required to be strictly conformant to current regulations and laws. In addition different divisions of the business are interested in different views on the same process: whereas the IT department implementing the processes would like a complete view that shows the underlying business rules and supports all variants, the end users are only interested in a local view that (1) shows only the aspects of the process that they are responsible for and (2) only shows the variants of the process that are relevant to them. This paper reports on a project we undertook with such a credit institute where we investigated and addressed these issues by providing a hybrid solution, allowing processes to be modelled using our constraint-based modelling tools, but also supporting flow-based views of both the entire process and specific variants.