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Text Content

 * Partner Program
   * Overview
   * Global Alliances
   * Reseller Partner
 * Inside OneSpan
   * Company Overview
   * Leadership Team
   * Board of Directors
   * Privacy, Compliance and CSR
   * Investors
 * Join Our Team
 * Support
   * Customer Success Packages Overview
   * Customer Support Overview
   * Customer Support Services
   * Software Product Lifecycle
   * Professional Services
   * PSIRT Review
   * PSIRT Advisories and Responses
   * PSIRT Hall of Fame
   * Quick Links
     * Contact Support
     * OneSpan Community
     * My Maintenance and Registration
     * Customer Support Portal & Knowledgebase
 * OneSpan Sign Login
   * US (US1)
   * US (US2)
   * Canada
   * Australia
   * Europe

 * English
   * English
   * Deutsch
   * Español
   * Français
   * Italiano
   * 日本語
   * Nederlands
   * Polski
   * Português
   * Pусский

 * Integrated Solutions
   
   SOLUTION PORTFOLIO
   
    * Identity Verification
      
      Digital identity verification services
   
    * Authentication
      
      Secure, passwordless experiences
   
    * Digipass
      
      Social engineering fraud mitigation
   
    * OneSpan Sign
      
      Secure document e-signing
   
    * OneSpan Sign Connectors
      
      Pre-built e-sign integrations
   
    * OneSpan Virtual Room
      
      A secure, high-assurance space
   
    * OneSpan Notary
      
      Secure online notarization
   
    * Mobile Security Suite
      
      State-of-the-art mobile app security
   
    * Mobile App Shielding
      
      Full app protection from the inside out
   
   USE CASES
   
    * 
      Money transfers
    * 
      Financing, lending & mortgages
    * 
      Retail banking use cases
    * 
      Commercial banking use cases
    * 
      Insurance use cases
    * 
      Employee authentication
    * 
      E-contracting
    * 
      Human resources
   
    * Patient onboarding
   
    * 
      E-prescribing
   
   INDUSTRIES
   
    * Financial Services
    * Insurance
    * Lending and Financing
    * Retail Banking
    * Commercial Banking
    * Wealth Management
    * Government
    * Healthcare
   
   HOW TO BUY
   
   Fair pricing. No hidden fees. A human sales process, built for enterprise.
   
    * Explore Pricing
   
   
 * What's Possible
    * Realities
      
      Trust. Everyone is looking for it — and
      worried about it. Here’s why.
   
    * Outcomes
      
      See how peers have transformed
      the way they do business.
   
    * Where to begin
      
      Your success story starts here.
   
   
 * Proven Success
 * Trusted Perspective
   
   WHAT'S TRENDING
   
    * eBook Product Use Case Catalog
      
      Our solution portfolio supports secure, simple end-to-end experiences for
      your clients. Find out how.
      
      Read Now
   
    * Video
      
      Bringing Identity Verification and E-Signature Together Watch Now
   
    * E-Signature
      
      Boldy Meeting the Promise of Web3 Read Now
   
   STAY INFORMED
   
    * Blog
      
      Thought-provoking updates on the changing landscape
   
    * Resources
      
      Insights for every stage of your transformation journey
   
    * Newsroom
      
      We’re making waves everyday by reimagining trust for the global enterprise
   
    * Events
      
      Let’s get together and
      see what’s possible
   
   
 * Get Started
   
    * LET'S TALK
      
      Meet our team and get
      the direct answers you need
      
      CONTACT US
   
    * REQUEST A DEMO
      
      See our solutions in action,
      from basic to advanced functionality
      
      LEARN MORE
   
   

Get Started


DIGITAL ACCOUNT OPENING

ENABLE DIGITAL CHANNEL GROWTH WHILE DRIVING DOWN APPLICATION FRAUD

Download the White Paper


BUSINESS CHALLENGE


OFFER THE CONVENIENCE OF MOBILE ACCOUNT OPENING – WITHOUT THE BRANCH VISIT

UNNECESSARY FRICTION CAUSES ABANDONMENT

Branch visit requirements and sub-optimized mobile experiences introduce
unnecessary friction and lead to abandonment

APPLICANTS WANT TO OPEN ACCOUNTS IN ONE SITTING

Online and mobile applications that mimic branch and call center processes make
it difficult for remote applicants to complete their application in a single
sitting

KYC COMPLIANCE REQUIRES THE RIGHT TOOLS

FIs that cannot validate the identity of remote applicants and prove to
regulators that they followed a compliant process risk fines, reputational
damage, and other negative impacts on the business

SUCCESS STORY


HOW BMO TRANSFORMED THE DIGITAL ACCOUNT OPENING PROCESS


CUSTOMER

Bank of Montreal is the fourth largest bank in Canada, serving personal,
commercial, corporate, and institutional customers in North America and
internationally.




CHALLENGE

Drive growth and modernize by replacing the paper-based account opening process
with a customer-centric mobile account opening and client onboarding experience.


RESULTS

 * Prospective customers can open a bank account in less than 8 minutes using
   their smartphone
 * Increased frontline capacity, leading to more customer conversations and
   incremental revenue
 * Reduced the number of forms and steps required to open an account
 * 80% fewer errors in the account opening process
 * 40% increase in process efficiency

Get the Full Story


THE SOLUTION


DIGITIZE AND SECURE EVERY STEP IN THE DIGITAL ACCOUNT OPENING PROCESS

OFFER DIGITAL IDENTITY VERIFICATION SOLUTIONS

Leverage a wide range of digital identity verification solutions for new digital
customer acquisition

PROTECT AGAINST APPLICATION FRAUD

Reduce fraud with a risk-based fraud and digital ID verification solution that
can identify qualified customers remotely

CAPTURE CUSTOMERS' CONSENT ELECTRONICALLY

Automate signing workflows and capture consent with legally binding e-signatures

LEVERAGE DIGITAL AUDIT TRAILS

Capture a record of everything the customer saw and did during the process, for
compliance purposes

SECURE MOBILE ACCOUNT OPENING PROCESS

Safeguard your mobile app and help protect mobile users’ sensitive data from
cybercriminals

AUTHENTICATE APPLICANTS ONCE ONBOARDED

Authenticate new customers throughout the full customer lifecycle, using
biometrics and other methods


HOW IT WORKS


SEE HOW ONESPAN HELPS CREATE DIGITAL ACCOUNT OPENING PROCESSES

According to the Aite Group, “Application abandonment rates are still between
65% and 95%, depending on the product.”

OneSpan’s digital identity verification and e-signature solutions help onboard
more new customers with mobile ID capture and signing capabilities to speed up
digital customer acquisition and reduce abandonment across online and mobile
channels.


OFFER DIGITAL IDENTITY VERIFICATION


ACQUIRE MORE CUSTOMERS IN YOUR ONLINE AND MOBILE CHANNELS WITH DIGITAL ID
VERIFICATION SOLUTIONS

ID document verification and facial comparison enable a customer’s identity to
be authenticated in real-time.

OneSpan Verification Hub automates new digital customer acquisition and reduces
fraudulent enrolments by positively identifying qualified customers during the
application process.

Featured Products

 * OneSpan Identity Verification Learn More


PROTECT AGAINST APPLICATION FRAUD


HELP PREVENT APPLICATION FRAUD DURING THE REMOTE ACCOUNT OPENING PROCESS

Application fraud represents one of the fastest growing business challenges to
financial institutions. OneSpan helps mitigate new account fraud across online
and mobile channels with technologies, such as mobile ID capture, digital ID
verification solutions, and electronic signing, to ensure better
remote account opening experiences.

Featured Products

 * OneSpan Identity Verification Learn More
 * OneSpan Mobile Security Suite Learn More




CAPTURE CUSTOMERS' CONSENT ELECTRONICALLY


AUTOMATE YOUR SIGNING WORKFLOWS WITH SECURE, LEGALLY BINDING E-SIGNATURES

Eliminate all manual processing and related errors and costs by integrating
electronic signatures with your digital account opening and client onboarding
platforms.

OneSpan Sign balances ease of use with the highest levels of security and
compliance to deliver a risk-free electronic signature solution for all your
business needs.

Featured Products

 * OneSpan Sign Learn More

RESEARCH REPORT


DON’T ABANDON ME: REDUCING FRICTION IN ONLINE ACCOUNT OPENING WITH DIGITAL
IDENTITY VERIFICATION

This 2021 report features survey responses and interviews with banking leaders
on the topics of digital account origination, abandonment, and identity
verification. Get the latest insights into how your organization can decrease
customer friction and increase funding rates. 

Download Now


LEVERAGE DIGITAL AUDIT TRAILS


PROTECT YOUR ORGANIZATION WITH COMPREHENSIVE AUDIT TRAILS

To prove that a compliant account opening process was followed, financial
institutions can capture a full audit trail of exactly what the applicant saw
and did during the digital account opening process – including the identity
verification and signing steps.

Digital audit trails prove that the FI carried out all necessary KYC checks and
that the applicant intented to be bound by the terms of the agreement. Audit
trails provide a complete record that can protect financial service providers
against disputes.

Featured Products

 * OneSpan Identity Verification Learn More
 * OneSpan Sign Learn More


SECURE THE MOBILE ACCOUNT OPENING PROCESS


SAFEGUARD YOUR MOBILE APP AND PROTECT USERS’ SENSITIVE DATA FROM CYBERCRIMINALS

Financial institutions have no control over their users’ devices, and therefore,
no control over the environment in which their mobile apps operate. As a result,
a new applicant’s sensitive information can be stolen by mobile malware or other
threats that will later infiltrate or already exist on the user’s device.

App shielding with runtime protection allows mobile applications to run securely
during the remote account opening process and helps protect a mobile user’s
personal information – without interrupting the user experience.

Featured Products

 * OneSpan Mobile Security Suite Learn More




AUTHENTICATE APPLICANTS ONCE ONBOARDED


USE BIOMETRICS TO AUTHENTICATE CUSTOMERS ACROSS YOUR DIGITAL CHANNELS

For new applicants, facial comparison technology extracts biometric data from a
selfie and compares that against the image in an authenticated ID document. This
helps institutions determine whether a remote user is who they claim to be.

After the applicant has been onboarded, biometrics capabilities such as facial
and fingerprint scans can be used to authenticate customers. OneSpan also offers
other authentication methods, such as delivering a one-time password (OTP) via
mobile.

Featured Products

 * OneSpan Identity Verification Learn More
 * OneSpan Mobile Security Suite Learn More


MORE THAN HALF OF THE WORLD’S TOP 100 GLOBAL BANKS USE ONESPAN’S DIGITAL
IDENTITY & ANTI-FRAUD SOLUTIONS







WHY ONESPAN


DOMAIN EXPERTISE

Financial institutions around the world choose OneSpan for our proven digital
identity and fraud prevention technologies, paired with extensive expertise in
financial digital channels.


SECURE DIGITAL CUSTOMER JOURNEYS

We bring together best-in-class security solutions that work together to secure
the digital customer journey and mitigate fraud. By establishing trust in
digital identities, devices, and transactions, we help you reduce fraud,
increase top-line growth, and strengthen compliance as you modernize the
customer experience.


CUSTOMER COMMITMENT AND SUPPORT

We’re known for taking a hands-on approach. Customers appreciate our industry
leading post-launch support, where we provide ongoing help to fine-tune fraud
prevention, increase efficiency, and improve adoption rates.


FLEXIBLE SOLUTIONS AND CLOUD-BASED PLATFORM

Our solutions are designed to integrate seamlessly with third-party and in-house
systems, so you can continue to leverage your existing technology investments
while advancing your digital transformation with next generation technologies.

In addition, our SaaS solutions are delivered on an open, cloud-based platform
that makes it easy to integrate new and existing tools and technologies to
better detect fraud and improve the user experience.


RESOURCES

ANALYST REPORTS

 * BMO: Digital Transformation in Personal Banking (Celent)
 * Transforming the Account Opening and Onboarding Experience (Aite)

WHITE PAPERS

 * Digital Account Opening: How to Transform and Protect the Customer Journey
 * Agreement Automation RFP Guide for Financial Services
 * Bring a Human Connection to Remote Banking, Insurance, and Financial Services

BLOGS

 * New Account Opening – Why Is It So Hard?
 * Agreement Automation Explained: How to Improve CX and Achieve Compliance with
   Digital Customer Onboarding
 * Redefining the Account Opening and Onboarding Customer Journey
 * Enabling Remote Account Openings with ID Verification & eSignature

WEBINARS

 * Transforming the Account Opening & Onboarding Customer Journey
 * Application Fraud Explosion: Do You Know Your Customers?


QUESTIONS? WE’RE READY WITH ANSWERS


ONESPAN CAN HELP YOU ENABLE DIGITAL CHANNEL GROWTH AND MITIGATE APPLICATION
FRAUD DURING THE ONLINE AND MOBILE ACCOUNT OPENING PROCESS

Speak to an Expert
 * Integrated Solutions
   
   SOLUTION PORTFOLIO
   
    * Identity Verification
      
      Digital identity verification services
   
    * Authentication
      
      Secure, passwordless experiences
   
    * Digipass
      
      Social engineering fraud mitigation
   
    * OneSpan Sign
      
      Secure document e-signing
   
    * OneSpan Sign Connectors
      
      Pre-built e-sign integrations
   
    * OneSpan Virtual Room
      
      A secure, high-assurance space
   
    * OneSpan Notary
    * Mobile Security Suite
      
      State-of-the-art mobile app security
   
    * Mobile App Shielding
   
   USE CASES
   
    * Money transfers
    * Financing, lending & mortgages
    * Retail banking use cases
    * Commercial banking use cases
    * Insurance use cases
    * Employee authentication
    * E-contracting
    * Human resources
    * Patient onboarding
    * E-prescribing
   
   INDUSTRIES
   
    * Financial Services
    * Insurance
    * Lending and Financing
    * Retail Banking
    * Commercial Banking
    * Wealth Management
    * Government
    * Healthcare
   
   HOW TO BUY
   
   Fair pricing. No hidden fees. A human sales process, built for enterprise.
   
    * Explore Pricing

 * What's Possible
    * Realities
      
      Trust. Everyone is looking for it — and
      worried about it. Here’s why.
   
    * Outcomes
      
      See how peers have transformed
      the way they do business.
   
    * Where to begin
      
      Your success story starts here.

 * Proven Success
 * Trusted Perspective
   
   WHAT'S TRENDING
   
    * eBook
      
      Product Use Case Catalog
      
      Our solution portfolio supports secure, simple end-to-end experiences for
      your clients. Find out how.
      
      Read Now
   
    * Video
      
      Bringing Identity Verification and E‑Signature Together Watch Now
   
    * E-Signature
      
      Boldy Meeting the Promise of Web3 Read Now
   
   STAY INFORMED
   
    * Blog
      
      Thought-provoking updates on the changing landscape
   
    * Resources
      
      Insights for every stage of your transformation journey
   
    * Newsroom
      
      We’re making waves everyday by reimagining trust for the global enterprise
   
    * Events
      
      Let’s get together and see what’s possible

 * Partner Program
    * Overview
    * Global Alliances
    * Reseller Partner

 * Inside OneSpan
    * Company Overview
    * Leadership Team
    * Board of Directors
    * Privacy, Compliance and CSR
    * Investors

 * Join Our Team
 * Support
    * Customer Success Packages Overview
    * Customer Support Overview
    * Customer Support Services
    * Software Product Lifecycle
    * Professional Services
    * PSIRT Review
    * PSIRT Advisories and Responses
    * PSIRT Hall of Fame
    * Quick Links

 * OneSpan Sign Login
    * US (US1)
    * US (US2)
    * Canada
    * Australia
    * Europe

 * English
    * English
    * Français
    * 日本語
    * Deutsch
    * Español
    * Pусский
    * Português
    * Nederlands
    * Polski



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   * Identity Verification
   * Adaptive Authentication
   * Mobile Security Suite
   * See All Products

 * Solutions
   
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   * Frictionless Authentication
   * See All Use Cases

 * Resources
   
   * Blog
   * Resource Center
   * eSignature Legality Guide
   * OneSpan Community

 * Company
   
   * About OneSpan
   * Careers
   * Newsroom
   * Events
   * Leadership
   * Investors
   * Contact Us

 * Learn About
   
   * Electronically Sign Documents
   * Electronic Signature Certification
   * Electronically Sign Word Document
   * Document Signing Software
   * Generate Signatures
   * Multi-Factor Authentication
   * Identity Verification
   * See All Topics


 * Privacy Center
 * Cookie Policy
 * Terms of Use
 * Legal Notice
 * Preference Center

Copyright 2023 OneSpan. All Rights Reserved.

 * LET'S TALK
   
   Meet our team and get
   the direct answers you need
   
   CONTACT US

 * REQUEST A DEMO
   
   See our solutions in action,
   from basic to advanced functionality
   
   LEARN MORE

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