When data protection is non-negotiable: how Incore Bank digitalises B2B client onboarding with Certifaction

Incore Bank digitalises its B2B client onboarding with our privacy-first QES solution

B2B client onboarding in minutes instead of by courier
Zero Document Knowledge: no access to confidential document content
Meets FINMA, ZertES and revDSG requirements, with hosting in Switzerland
Digital Twin: signed documents remain verifiable in printed form

Woman signing a document electronically on a laptop, overlooking Zurich, Lake Zurich and the Alps

At a glance

Many companies accept that their eSigning provider can access every document they send for signature. For Incore Bank AG, that is not an option. As a FINMA-regulated Swiss bank, it has high requirements for data protection and information security. The bank was looking for a solution that keeps confidential document content protected, meets FINMA, ZertES and revDSG requirements, and ensures that digitally signed documents can still be verified in printed form. It was this combination that made Certifaction the right choice.

Incore Bank uses Certifaction primarily for onboarding new B2B clients and for documents that require a qualified electronic signature (QES).

Industry

Banking & Financial Services (B2B)

Use case

eSignatures for B2B client onboarding and for documents requiring a QES

Target group

Banks, wealth managers and institutional clients

The challenge

Before Certifaction, B2B onboarding was a paper-based process: documents were sent by courier, which was both time-consuming and expensive. Incore Bank therefore looked for a modern eSigning solution that would shorten onboarding times and reduce costs without compromising on data protection or security.

The solution

With Certifaction, Incore Bank has digitalised its signing processes without compromising the confidentiality of sensitive documents. Thanks to End-to-End Encryption that starts in the browser and a privacy-first approach based on Zero Document Knowledge, Certifaction itself never sees the content of the documents being signed, unlike conventional SaaS solutions. And Incore does not need to run costly on-premises infrastructure to achieve this.

Day to day, the bank uses the Certifaction web app, particularly for onboarding new B2B clients and for documents that require a QES. Another key component is the Digital Twin: it makes the link between a printed document and its digitally signed original verifiable, and even allows electronic and handwritten signatures to be combined in the same document.

"During the selection process, we analysed established eSigning solutions. What mattered most to us was that sensitive documents remain confidential and that not even the provider has any insight into their content. In Certifaction, we found a solution that combines End-to-End Encryption with hosting in Switzerland and, in addition to meeting regulatory requirements, also allows us to verify digitally signed documents in printed form. It was exactly this combination that made the difference for us."

Julia Treike, Business Transformation, Incore Bank AG

The result

The biggest benefit is the time saved: instead of sending onboarding documents by courier, Incore Bank now signs the relevant documents electronically within minutes, while maintaining the same high standards of confidentiality and security.

Incore Bank also values the continuous development of the solution, such as the option to position signatures freely within a document, even for a QES. This makes documents that require several signatures from the same person noticeably easier to handle. As a next step, the bank plans to integrate Certifaction into its onboarding application via the API, embedding the signing process even more closely into its existing digital workflows.

Would you like to enable legally valid electronic signatures with maximum data protection too?

With Certifaction, you can digitalise your signing processes with SES, AES and QES: privacy-first, end-to-end encrypted and without any insight into your confidential documents.

Your path to the future

Join leading organizations

Contact us now to find out how we can help your company make your signing, certification and verification processes digital, intuitive and future-proof.

FAQs

Our answers to the most frequently asked questions

Are Certifaction's eSignatures legally valid?

Yes. Our eSignatures are legally valid and support all major global standards (incl. eIDAS, ZertES, UETA, ESIGN).

In addition, you can choose the signature type that suits you best: from the cost-effective simple eSignature to the qualified eSignature (QES).

What is the Zero Document Knowledge technology and what are the advantages?

Unlike most competing providers, Certifaction offers the option of signing documents without ever seeing their content. The documents are processed locally on the customer side and encrypted when using the web app.

In the case of API integration, a local gateway takes over the encryption. In the event of a hack, the file would therefore be encrypted and unreadable. We also ensure that the documents are stored on ISO 27001-certified servers in Switzerland or an EU country.

Is there a white-labeled version of Certifaction?

Yes, Certifaction offers a customised white label option for partners. This enables the seamless integration of own products such as eIDs and certificates. The white label solution gives partners complete control over the platform. As an integration partner, we help open up new revenue streams and maximise business potential by providing tailored solutions for individual needs.

How much integration work is involved?

The Certifaction WebApp can be used immediately in the browser. The eSignature solution can also be integrated quickly via an API connection. Alternatively, the solution can be used as a white label product with full personalisation. Depending on the requirements, this is ready within a few weeks.

Why should I choose Certification over an on-premises solution?

Certifaction is a hybrid solution without a complex infrastructure. The connection is established via API or by installing the CLI client. This makes our eSignature solution more flexible and cost-effective than a solution that is operated in your own data centre.

What makes Certification stand out from the competition?

Certifaction is characterised by its innovative technology and clear focus on partnerships. Our customers value us as a trustworthy European partner that not only offers close cooperation and the highest security standards, but also enables the integration of its own products through white label solutions. This opens up new business opportunities and additional revenue streams for our partners. Our solution offers:

maximum security through Zero Document Knowledge
innovative features such as the Digital Twin (making digitally signed documents verifiable even when printed out), bulk signing, Teamspaces (rooms with shared signature processes) and guest signatures without registration
Signature requests in under a minute and smooth onboarding in just 15 minutes thanks to intuitive operation
smooth identifications without app download within a very short time
a recommendation score (NPS) of +90

Do you have any further questions?