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Nationale Hypotheek Garantie achieves success with Mendix
Financial Services
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Legacy systems hinder service innovation
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Insufficient flexibility for new mortgage services
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Inefficient data exchange and management
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12 legacy systems migrated to 6 new Mendix applications
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Massive surge in mortgage assessments due to streamlined process
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Able to provide new services for applicants like self-employed and pensioners
Mendix
Case study NHG
NHG offers the Nationale Hypotheek Garantie (National Mortgage Guarantee), serving as residual debt insurance for consumers and a guarantee for lenders. This scheme enables over 1.3 million households, out of a total of 4.4 million owner-occupied homes, to secure a mortgage. In response to significant societal and mortgage market changes, NHG aimed to introduce new services and enhance collaboration efficiency across the value chain. Emixa played a key role in driving this substantial transformation while ensuring seamless business operations continued.
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Business challenges
The changing landscape in the mortgage market and societal shifts prompted NHG to reassess its services. The organisation aimed to introduce new variations of its services, but the inflexibility of outdated IT systems hindered innovation. NHG recognised the need for a flexible environment to facilitate the launch of innovative offerings.
A significant challenge faced by NHG was the outdated software used for much of the data exchange with mortgage providers. This antiquated system resulted in limited use by lenders, highlighting the necessity to digitise data exchange for enhanced collaboration. The goal was to modernise the system and improve usability.
NHG relied on multiple applications, leading to scattered data storage. Retrieving and inputting data became time-consuming and error-prone. NHG sought a standardised data model and the streamlining of (value chain) processes through adaptable workflows to address these inefficiencies.
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Keys to success
Emixa kickstarted the digital transformation using the Mendix platform, a complex undertaking involving the replacement and digitisation of an entire application landscape. The challenge encompassed phasing out twelve systems to integrate six Mendix applications seamlessly. A crucial prerequisite was the uninterrupted provision of the Netherlands' primary mortgage product (approximately 150,000 mortgage loans with NHG).
The entire NHG value chain is now supported by the new platform. All data has been migrated to the new applications. Business rules management has been decoupled from the code, empowering NHG staff to independently implement and manage evolving laws and regulations. The transition involved migrating the old environment to a Microservices Architecture, described by NHG as an "open-heart surgery," replacing all software without disrupting ongoing business operations.
Over the course of a year and a half, the project unfolded in an agile manner, with the team implementing the new systems gradually. Beyond data migration, NHG employees underwent training, and all lenders in the Netherlands were seamlessly connected. Rigorous measures were also implemented to ensure the secure storage of sensitive data.
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Results
"NHG Test Success: Millions of Applications in Weeks"
The NHG test has also been made accessible to our chain partners via a web service so that they can also offer the test. In the first weeks, the test was invoked millions of times. The initial response was unprecedented, and the application has greatly exceeded our expectations. Apart from doing a very good job, Emixa also regularly advises us on what could be improved. They really think along with us.
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