Our journey with
Product Manager Housing

Rabobank
Rabobank Intermediary Environment

Rabobank

“At the start of the project, we actively sought a partner who could assist with secure external login and onboarding for intermediaries. We found this partner in Yellowtail Conclusion.”

Working together toward a financially healthy life

Rabobank views independent intermediaries as full partners within its mortgage strategy. In line with the mission of financial well-being, the bank offers them the same support and customer insights as its own advisors, with no distinction in customer service. Through RIO, the Rabobank Intermediary Environment, advisors gain real-time insight into applications and customer data. This allows them to actively support clients with questions, changes, or new needs.

With specialized support from regional intermediary desks and account managers, Rabobank provides intermediaries with the tools and knowledge to guide their clients effectively, including in areas such as home sustainability and new construction projects. It is a deliberate choice to make a difference for the customer together.

Motivation

The mortgage market often focuses on arranging new mortgages, but the aftercare phase is becoming increasingly important. Rabobank aims to help customers keep their mortgages affordable in the long term and thus build lasting relationships. To support intermediaries in this, Rabobank shares relevant customer data for the aftercare phase with the advisors it actively collaborates with. The needs of the intermediary were central to this approach.

In the design, user feedback, and further development of the portal, Rabobank works closely with Yellowtail Conclusion. Rabobank found in Yellowtail the right partner for a secure, accessible platform and for the external login and onboarding of intermediaries.

Rabobank Intermediary Environment

The Rabobank Intermediary Environment gives advisors quick insight into clients and mortgage products. The platform provides useful tools and up-to-date documentation, such as acceptance policies and calculation tools, which support intermediaries in their services. For secure and seamless data exchange, the platform connects internal systems through smart API integrations. Yellowtail Conclusion has been involved from the very beginning in development, piloting, scaling, and further enhancement. Together with Rabobank, we have established a structure in which business, IT, and security work closely together. This ensures continuity, rapid support for questions or issues, and a secure, reliable environment with always up-to-date information for intermediaries.

The Result

The portal is continuously being improved, and the results for the Intermediary Environment are already clear:

“RIO is clear and user-friendly. Just upload everything and you’re done. The entire application process is digital and easy to follow.”

“The portal truly makes the mortgage process easier. Clear communication through the Intermediary Desk makes all the difference.”

Further Development and Innovation

The Rabobank Intermediary Environment continues to evolve thanks to the collaboration between Rabobank and Yellowtail Conclusion. Rabobank sets the direction, while Yellowtail contributes digital expertise, innovation, and implementation power. In the coming period, the focus will be on further expanding client management functions. This will enable intermediaries to make changes even more easily and quickly at their clients’ request, in addition to the existing capabilities for applications and customer data insights. We will also continue to improve user-friendliness. The portal is becoming increasingly intuitive and easier to use in daily practice. In this way, the Intermediary Environment grows alongside the needs of advisors and remains a reliable and practical tool for client management.