Digital KYC, KYB, and Compliance Processes for Financial Institutions

Financial institutions are facing increasing regulatory pressure, while customers expect a fully digital customer experience.
Agree&Sign coordinates end-to-end onboarding, KYC, KYB, ODD, and EDD processes throughout the entire customer lifecycle. Through guided data collection, automated verification, workflow coordination, and seamless integration with CRM and compliance systems, financial institutions can reduce operational overhead, improve data quality, and strengthen regulatory compliance.

  • A platform for the entire customer lifecycle

    From initial onboarding to regular reviews and enhanced due diligence, Agree&Sign offers a unified, compliance-focused process platform.

  • Reduce Your Compliance Burden

    Automate data collection, validation, document management, and customer engagement across complex KYC and KYB processes.

  • Meet Compliance Requirements

    Support AML, KYC, KYB, ODD, and EDD requirements with full traceability and structured workflows.

  • Future-proof

    Integrate trusted identity providers, the EUDI Wallet, the EU Business Wallet, registries, CRM systems, and core systems into a single, coordinated platform.

Typical Use Cases with Agree&Sign

  • Initial Customer Onboarding: Digital registration, verification, and activation of new customers.
  • Merchant Onboarding: End-to-end merchant onboarding for PSPs, acquirers, and payment providers.
  • KYC & KYB Verification: Automated verification of individuals, companies, and UBO structures.
  • Ongoing Due Diligence (ODD): Periodic and event-driven customer reviews.
  • Enhanced Due Diligence (EDD): Enhanced screening of high-risk customers and complex business relationships.
  • Customer Data Refresh: Automated updating of master data and regulatory information.
  • EUDI Wallet Integration: Use of trusted digital identities within the compliance process.
  • Consent, Mandate & Declaration Management: Digital collection of regulatory consents, powers of attorney, and declarations

Agree&Sign for KYC, KYB, and compliance processes at financial institutions

  • Merchant Onboarding at a Financial Services Provider

    Different intake channels—such as online portals, sales partners, or internal teams—result in a multitude of parallel application workflows. These vary depending on the type of business, product, or region. They are often based on custom-developed software that requires extensive maintenance. There is no consistent user guidance or centralized overview of pending issues or the current processing status.

    This fragmentation results in long processing times, a high level of manual effort, and a poor customer experience. Applicants often do not know whether their application is complete or where it currently stands in the review process. Follow-up questions must be resolved manually, which ties up resources and delays activation. At the same time, regulatory requirements are increasing, further adding to the complexity.

    Agree&Sign creates a unified, digital platform for onboarding new business customers. All application workflows are consolidated into a structured process. Applicants enter their data via digital forms, upload the required documents, and sign the application electronically. Cases requiring clarification are automatically identified and assigned, and the processing status can be viewed at any time. All information is immediately available for further processing in internal systems. This transforms a time-consuming process into an efficient, transparent, and traceable workflow.

    • Consistent Process Flow
    • Clear Status Overview
    • Intelligent Assignment of Wastewater Treatment Cases

  • Mapping of KYC Processes

    KYC data is often collected and verified using manual forms, email communication, or non-integrated standalone solutions. Different requirements apply depending on the customer type and product, and these are often not implemented consistently. Documents are requested separately, identity verification is performed using external tools, and the overall process is neither transparent nor fully digitized.

    This leads to media breaks, long processing times, and a high coordination burden. Customers often do not know whether their information is complete or which steps are still pending. Follow-up questions must be resolved manually, which ties up resources and delays account activation. At the same time, regulatory requirements are increasing, and the obligation to provide evidence to supervisory authorities is growing.

    Agree&Sign enables a structured, digital representation of the entire KYC process. Customer data is captured via clearly defined input forms, documents such as copies of identification or extracts from the commercial register can be uploaded, and consent for data processing is obtained electronically. The processing status can be viewed at any time. All data is immediately available for further processing and archiving. This results in an efficient, transparent, and regulatory-compliant workflow.

    • Digital Data Collection
    • Legally Compliant Documentation
    • Fast Process Handling
Friedrich Seck

Contact - Name:

Friedrich Seck
Head of Sales & Customer Success

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