Use Case Banking

It is a real challenge for banks to completely digitise the entire lending process – from account opening and identification to contract signing. This applies to both private individuals and SMEs. The key factor here is that the entire process must be fast, secure and compliant with AML, KYC and other compliance requirements.

How can the Digital Trust Platform help?  

A central API for all necessary modules, modular and flexible. The advantage for banks? An onboarding process that runs automatically, is legally watertight – and delivers maximum conversion at the same time.

How it works – step by step:

AutoIdent in the GwG flow 

Automatic identification of private individuals and authorised signatories in just a few minutes – GwG-compliant, without any manual intermediate steps for the bank. Ideal for credit or account applications where speed is of the essence.

KI-Kreditwürdigkeit Verbraucher & Unternehmen 

Credit rating in seconds – with highly accurate scores for private individuals and SMEs. Fully integrated into the application process and traceable at all times.

Address check & history 

Current address not plausible? The platform checks and, if necessary, provides historical addresses – important for risk assessment and traceability in the dossier.

Fraud check & blacklists

Automated checks against fraud indicators – protects against multiple requests, identity theft and fake loans.

Compliance check (PEP, sanctions lists)

Keep track of your obligations: Comparison with PEP and sanctions lists runs in the background – documented, auditable and audit-proof.

For SMEs: Form K & additional documentation requirements 

Upon request, regulatory forms such as Form K can be integrated directly into the digital onboarding process. This allows controlling entities to be recorded efficiently and without media discontinuity in accordance with the FINMA Anti-Money Laundering Ordinance – documentation included.

QES incl. recurring signing

Conclude contracts digitally – with a qualified signature that can be reused for 24 months. No need to re-identify yourself for follow-up contracts.

Conclusion

Integrate once – use everything 

With the Digital Trust Platform, banks can orchestrate their credit process efficiently and in compliance with regulations – without any isolated solutions.
All modules work together seamlessly and can be scaled at any time.
For an onboarding experience that delights customers – and makes internal processes noticeably faster, more secure and more cost-effective.