Estimated constructor

Construction and other companies that perform contract work need to calculate the estimate of work before starting work.
Typically, such an estimate is then included in the contract as an annex.
You can calculate the estimate in the old way: generate a technical task, manually calculate the amount of materials and their cost, the period of work and the cost of each type of work, sum it all up and get an approximate final figure. You can even use Excel for the calculation.
Or you can take a more innovative approach and use the low-code constructor to quickly and without involving expensive developers create a calculator and estimate constructor.
In this calculator, lay the fields for entering all the numerical parameters of the project. Moreover, if you connect such a calculator via API to information systems containing information about the price of materials and work, then the calculator will not only calculate the estimate automatically, but also adjust the result in real time depending on changes in prices for materials and work.
If you place such a calculator on the site, then customers will be able to quickly calculate the cost of the order, generate terms of reference and estimates.
In addition to saving the time of your employees, such a calculator will attract customers to your site, since, first of all, when starting a project, they need tools to calculate the cost of work and materials and to compare the price of a project when changing one or another of its parameters. The calculator can be placed on the company's website, connected to the Telegram messenger and even to the Vkontakte group.
To make the estimate generated by the calculator look clearer, the constructor allows you not only to fill out a ready-made estimate form in Word or Excel format, but also to generate charts based on the estimates obtained. These charts will allow you to compare options for estimates with different values, analyze the price change for certain items of the estimate, if such a change occurs in the course of the work.

The cost of creating an estimate calculator using is many times lower than creating such a calculator by programmers, since the calculator in the constructor is assembled from ready-made blocks with fields for entering information, formulas and charts. For the same reason, such a calculator is created and configured very quickly.

In the future, such an estimate calculator can be used to collect statistics on ongoing projects and to analyze the effectiveness of the implementation of these projects.


Building an automated loan pipeline in the constructor

A wonderful time has come!
Even such complex software as an automated loan conveyor can be created easily and quickly without the help of programmers.
This can be done independently by specialists from the client and credit departments of the bank, together with specialists from the risk department, the collateral department and lawyers using the low-code constructor.
How to do this, read this article.
First you need to use the constructor to build the client's path from the moment he enters the bank's website.
It is necessary to create questions in the constructor, answering which the potential borrower will move along a certain branch of the "tree", entering the information necessary for making a decision on lending and attaching documents.
If it is clear from the client’s answers to questions that the borrower or the requested financing conditions do not suit the bank, the client will immediately receive a message about the refusal of financing, which will greatly save both the client’s time and the time of the bank’s employees, who will not need to consider a deliberately refused application on credit.
Information and files received from the client will be placed in the database, as well as in a special excel file, which will automatically be sent to the email address of the bank's underwriter or other specialist. In addition, documents and information can be automatically forwarded to employees of the risk and legal departments.
The preparation of the conclusions of the risk department and the legal department is also automated, which speeds up the preparation of these documents several times and minimizes errors.
Depending on the client's response to the program's questions, the content of the documents attached by the client, and the content of the credit history report that is uploaded to the program via the API, the program will automatically calculate the score and make a decision on issuing financing / refusing to issue a loan or requesting additional collateral for a loan .
If the decision to issue a loan is positive, then the loan pipeline will automatically generate the protocol of the credit committee and all loan and security documentation (loan agreement, collateral and guarantee agreements, etc.).
Even after the loan is issued, the loan conveyor will automatically track the delay, calculate the penalty and send a claim drawn up according to the standard form to the e-mail of the borrower and the guarantor.
If the claim is not satisfied, the credit conveyor will calculate the amount of the state fee, generate a payment order for its payment and send it to the accounting department, create an application for a court order or a statement of claim and send it to a bank legal officer or send it to the court, having previously signed the UKEP.
Using a pipeline like this:
- will increase the speed of issuing funding several times,
- will significantly reduce the load on the bank's divisions responsible for lending support,
- will reduce the number of customers who are dissatisfied with bank refusals, since the client will receive a refusal immediately on the site before he makes a lot of efforts to obtain a loan.

The cost of creating a credit pipeline using the visual constructor is many times lower than creating a credit pipeline by designers and programmers, since the credit pipeline in the constructor is assembled from ready-made and flexibly customizable blocks. For the same reason, such a credit pipeline is created and configured very quickly.

Such a loan pipeline can be easily reconfigured when changing the bank's lending program or forms of loan and security documentation, since the constructor allows you to quickly make changes to the created loan pipeline without programming.
A similar pipeline for the issuance of financing can work in microfinance, leasing and factoring companies, as well as investment platforms.


Contract lifecycle management. Contract Lifecycle Management (CLM)

In legal practice, violations of obligations, losses and penalties often occur only because the party to the contract forgot about the deadlines for performance or did not prepare for the performance of the contract.
For example, the manager responsible for the execution of the contract resigned from the company, and the new one has not yet become up to date. Or the employee responsible for the execution of the contract fell ill and did not warn about the due date. Situations may be different.
But the result of such situations is the violation of obligations, the payment of compensation and penalties. And if, on the contrary, your company's counterparty violates its obligations under the contract and your employees did not track it in time? This can lead to a business process stoppage, losses and a violation of your company's obligations.
At the stage of concluding an agreement, lawyers and relevant management are responsible for formulating its terms and agreeing with the other party.
And what happens to the contract further, after the agreement of all its conditions by the parties?
How is the contract signed?
What happens if you need to change the terms of the contract or even terminate the contract?
Does someone monitor the compliance of the terms of the concluded agreement with the interests of the company during the term of the agreement, taking into account changing circumstances?
Can the contract be amended so that the company earns or saves more money?
All these and many other questions related to the conclusion, execution and termination of contracts are answered by such an aspect of management theory as "contract management".
Usually lawyers become contract managers, but this is not the rule.
The initial stage before concluding a contract, in addition to real actions aimed at concluding a contract itself, includes obtaining and analyzing information: analysis of the market, industry, market participants, potential counterparty opportunities.
But we will not delve into the work of a contract manager in detail, but consider the possibilities for optimizing this work in order to make the work of a contract manager more efficient.
Efficiency can be provided by the Contract Lifecycle Management System (CLM-system).
Such a system includes:
- document designer,
- tools for their coordination both within the company and with the counterparty of the company (electronic document management system - EDMS),
- tools for remote signing of documents (electronic signature),
- automatic tracking of key deadlines for the fulfillment of obligations under the concluded contract with the possibility of automatically generating and sending claims to counterparties,
- formation of statistics on concluded contracts (which part of the contract has been executed, how long it is valid, how long it took to approve, etc.),
- information storage (database) containing structured information and documents related to contracts.

At the stage of preparing draft contracts, of course, the typification of forms of contracts and other documents (acts, invoices, additional agreements) and the creation of a constructor of contracts (documents) will certainly help. allows you to make a designer of any documents very quickly and without programming knowledge. This constructor supports any, even the most complex, variability of documents. Documents can be generated in pdf, docx, xls formats. The data in the generated documents is automatically substituted from the internal information systems of the company and the Unified State Register of Legal Entities. The creation of such a constructor of contracts (documents) allows you to reduce the time for preparing documents several times and eliminate errors when filling them out.
You can sign a contract with:
- an enhanced qualified electronic signature, which allows, in the event of a dispute, to identify the signatory and confirm the immutability of the signed document, or
- a simple electronic signature, which generates more risks, since it does not allow 100% confirmation of the identity of the signatory and does not encrypt the content of the document.
Tracking the deadlines for the execution of the contract occurs automatically: the system in advance, before the deadline, sends appropriate reminders to the responsible employees.
Thus, with the CLM system, the contract manager will work more efficiently, make fewer mistakes and, thereby, save money for the company, save it from losses and fines.


Building a corporate knowledge base with

First, let's figure out why a company needs an enterprise knowledge base.
Almost every company is faced with the need to create a knowledge base.
During the period of the company's existence, its employees create documents, work methodologies, descriptions of business processes, know-how and other information materials, but it can be quite difficult to navigate this array of information. In addition, new employees come to the company who need to quickly get up to speed, and time for their training is usually limited.
And here corporate knowledge bases come to the rescue.
Such a knowledge base will help to save and systematize the information materials created by the company's employees, quickly train new employees, reduce the number of errors in work, speed up the company's business processes and quickly make changes to them.
For example, let's see how a corporate knowledge base can benefit a bank.
The bank has a large array of documents: internal regulatory documents (policies, regulations, regulations, instructions), standard forms (orders, memos, contracts, powers of attorney).
When a new employee gets a job at a bank, he must familiarize himself with a large number of internal regulatory documents governing the work of the bank, as well as with his job description, against signature. As a rule, this is a formal procedure, since it takes a long time to delve into all these documents, and the employee needs to get to work faster.
In addition, often business processes are not regulated at all, except for the work practice that has developed over the years. It turns out that an employee studies business processes and internal regulatory documents of the bank right during his work, which can lead to errors or slow down business processes.
It also happens that internal regulations are outdated, as the practice of working in a bank or legislation has changed, but internal regulations have not been changed in a timely manner.
Different branches and departments solve the same issues in different ways - due to the knowledge and skills that each individual employee of the department or branch has.
And if an employee who knows how to act in a given situation falls ill or quits? How to be replacement workers?
All these problems can be solved using the corporate knowledge base.
The knowledge base may include:
- a library of local regulations structured by subject,
- a document constructor that helps to create a particular document based on existing templates,
- expert systems that help employees in difficult situations and replace the long study of internal regulatory documents,
- BPM (business process management) systems, leading employees through a business process similar to a car navigator.

Using the visual designer, knowledge management systems and expert systems can be created by company employees who do not have programming skills, thus transferring their knowledge and experience to other employees.

Any information, expert systems and other services made in the constructor can be grouped by subject, which makes navigation through the knowledge base easy and intuitive.
The knowledge base interface is elementary and is placed as a widget on the corporate portal.
It is also possible to connect the knowledge base to instant messengers.
It is also possible to integrate the created knowledge base through the API with any internal systems that the company uses.
With any changes in the business process, it will be enough to change the algorithm of the expert system or the file inside the knowledge base so that all employees, including branches and other divisions, start working in accordance with the changes made.


Designer of expert systems and documents.

First, a few words about how we came up with the constructor.
It was a distant 2003. I, Dmitry Bolshakov, worked as a lawyer in the largest private bank in the country and was thinking about how to get rid of routine work: the same type of legal questions from managers, the same type of document approval, the same legal opinions.
But a lawyer should be engaged in the study of legal problems, solving non-standard legal issues, thinking, analyzing.
At that time, I was fond of creating electronic presentations and mastered the program for creating them, where there was a simple scripting programming language similar to basic.
And suddenly a simple idea came to my mind: you can make a system that will ask the user questions to create a legal opinion. The same questions that a lawyer usually investigates. Using my modest knowledge of programming, I created a prototype of such a system. I called my program “Legal Expertise” and implemented it in Petrocommerce Bank, Promsvyazbank, Genbank, AMT-Bank. Later, chatbots, FAQ systems appeared on the market and I realized that I had created a legal chatbot :)
The following idea came to my mind:
what if we give lawyers a tool with which they can create legal expert systems and document designers on their own, without knowledge of programming languages?
A couple of years later, I went on vacation to Mexico and during the trip I met an experienced and talented developer who helped me with the implementation of this idea. We drew the first prototype on napkins while sitting in a small Mexican cafe :)
We created this constructor in such a way that it is convenient for lawyers. I myself automated legal due diligence using the constructor, so I always gave the developer feedback on how and what should be improved in the constructor.
As a result, we have made a very simple and flexible constructor, which is suitable both for generating variable documents and for creating complex expert systems.
Then there were projects with Sberbank Factoring, VTB, Karma investment platform, Moscow State Law Academy (MSLA), Vista law firm, with a notary, for whom we made a notary services price calculator in the constructor, and with other clients.
Now the constructor is a universal low-code tool that, without programming, lawyers and other professionals can quickly automate their activities by creating document constructors, expert systems, FAQ services, calculators, chat bots, customer support services, tests and other software.

As a result, we have made a very simple and flexible constructor, which is suitable for both generating variable documents and creating complex expert systems.

We pay special attention to the ease of use of the constructor. I am proud to say that after holding a hackathon at Moscow State Law Academy, where, along with our constructor, students and teachers used one of the most famous document constructor in the Russian Federation, I received feedback from users that the document constructor is much easier to learn and use.


Common features and differences between low-code and robotic process automation (RPA).

According to research Gartner 65% of software development by 2024 will be done with low-code tools.
The term low-code means an approach in which the development of programs is carried out mainly through their visual modeling (for example, by connecting blocks in a visual constructor).

Many RPA tools also use this block-joining principle to build a sequence of RPA robot actions. The target audience of low-code and rpa tools are also similar. But the devil is in the details. Low-code tools provide the creation of full-featured applications 10 times faster and cheaper than the classic development of such applications in programming languages, while rpa tools only allow replacing the work of a human with the work of a robot in existing programs. Low-code solutions seem to be more reliable, since they are self-contained programs that do not work with the interfaces of other programs. At the same time, even with minor changes in the interfaces of the programs with which the rpa-robot works, this robot will work incorrectly or stop working altogether.

Low-code tools provide the creation of full-featured applications 10 times faster and cheaper than classic development of such applications in programming languages, while rpa tools only allow replacing the work of a human with the work of a robot in existing programs.

Thus, when choosing an automation method, you need to keep in mind that the interfaces of the programs with which the rpa-robot works are constantly changing, as the program developers release new versions and updates. This will lead to the failure of rpa robots at the most inopportune moment, requiring constant improvements to rpa robots. Automation made with the help of low-code tools does not have this drawback.