Recurring Digital Signing for Returning Customers
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Solution built around SignOn
Banking
Swiss Cantonal Bank
Overview
Recurring digital signing implemented for returning customers, enabling recurring agreements to be signed with reduced friction while maintaining controlled authentication, policy enforcement, and traceable signing evidence.
Challenge
Repeat agreements created operational overhead and customer friction when identity checks and signing steps had to be repeated unnecessarily.
At the same time, the bank required consistent policy enforcement, clear evidence for each signing event, and the ability to apply step-up verification when risk or agreement type demanded it.
Solution
Using SignOn, the bank implemented standardized signing workflows with reusable templates, controlled routing, certificates, and timestamps. Returning customers could sign new agreements efficiently, with policy rules determining when credential reuse was allowed and when step-up identity verification was required.
Signing decisions and evidence were linked to onboarding and reporting systems to support traceability and operational reviews.
Outcome:
- Reduced friction for returning customers during recurring signing
- Lower operational effort by avoiding unnecessary re-identification steps
- More consistent signing evidence and policy enforcement across agreements
Product Scope
Title text
Digital signing workflows
Standardize digital signing journeys to make recurring agreements faster, more consistent, and easier to manage.
Recurring signing logic
Reduce friction for returning customers by avoiding unnecessary repeat steps where policy allows.
Policy-based authentication
Apply the appropiate level of authentication for each agreement to balance convenience with control.
Templates
Use standardized templates to shorten turnaround times and deliver a more consistent signing process.
Certificates and timestamps
Strengthen trust in every signature with verifiable proof of signing time and authenticity.
Evidence handling
Capture and organize signing evidence to support traceability, reviews, and review process.
Integration with core systems
Connect signing events and evidence directly to core systems to enable smoother processing and reduce manual handoffs.