Legally binding electronic signatures for banks

  • Digitalize any transaction to improve efficiency and compliance
  • Callbacks, investment proposals, on-boardings, loans, violations and more
  • Apply any level of electronic signature: standard, advanced, qualified
  • Support of electronic seals for official use cases
  • Keep costs under control with a flexible yet efficient solution

Test it on our SaaS instance



Easily implement use cases with regulated electronic signatures. Qualified Electronic Signature is recognised in CH and EU as equivalent of hand-written signatures.

Cost optimisation

Reduce operational costs by digitalising manual operations and paper related expenses with the correct level of electronic signature.

Electronic seal

Implement use cases with official seals of the bank like quarterly performances, general conditions, invoices, order confirmations and many more.

Core banking

Fully digitalise transaction based processes by integrating any backend. Several core banking are supported.

Simple to use

Deliver transactions for approval via any kind of digital channel: mobile app, email or any front facing solution.

Audit trail

GDPR compliant body of evidence with all traces related to all transactions between the bank and the customer.

How it works

Frequently Asked Questions

What is an Electronic Signature (ES)?

Electronic signatures are a cryptographic process performed with a private key. The signature integrity verification process is done via a public key. The signature can be attached to documents or any kind of data with standard protocols such as PAdES, CAdES or XAdES. Electronic signatures have to be taken in consideration as body of evidence in case of trial in Switzerland an the EU.

Electronic signatures that are not qualified can be used as body of evidence for legal purposes?

Yes. Here is what the EU regulation 910/2014 article 25 says: An electronic signature shall not be denied legal effect and admissibility as evidence in legal proceedings solely on the grounds that it is in an electronic form or that it does not meet the requirements for qualified electronic signatures.

Does every document require a QES when signed?

No, Swiss and EU laws define only a limited number of documents requiring a QES when signed. In the financial industry they are related to credits (loan, mortgages, ...) and temporary contractors. All the other use cases can use a lower level of electronic signature. Although the law does not force to use QES on every document, it is up to the internal compliance team to decide which level of electronic signature to use for every use case.

What is a Qualified Electronic Signature (QES)?

A Qualified Electronic Signature is an electronic signature regulated in Switzerland (under the ZerTES regulation) and in the EU (under the eIDAS regulation). A document signed with a QES is equivalent to the same document with a hand-written signature.

How can I use electronic signatures for my bank?

Electronic signatures enable the digitalisation of use cases requiring human decisions or signature. Our solution has been used to digitalise a wide variety of use cases: on-boardings, investment proposals (MiFID II / LSFin), callbacks, LPOA, delegation of authorities, violations, notifications, advisory, performances and other type of contracts. Some of these use cases have been directly integrated within core banking such as Temenos or Avaloq.

Why not using QES for every transaction?

QES are expensive and not necessary for every use case. Depending on local jurisdiction and internal compliance it is possible to optimize the level of electronic signature in order to reduce the costs related to their usages. Our solution allows to change level of signature even on business data. In example with the callback use case, it is possible to trigger a standard electronic signature for wire transfers that are below $100'000 and a QES for wire transfers that are above $100'000.

More questions?

Get in touch


Contact US