To speed up application processes, UKEF delegated greater authority to five of the largest commercial banks who can apply for some of UKEF’s products through an online portal and can get immediate cover, and UKEF streamlined its eligibility criteria for applicants. In 2019–20, 389 applications were made through the portal, of which 62% were eligible for immediate cover using the online process. The digital process is quicker, but when applications do not meet the eligibility criteria UKEF reverts to a manual process, which takes on average 49 days.53