Degussa Bank is the only "worksite bank" in Germany that focuses on working people. They benefit not only from special employee advantages, but also from the spatial and digital proximity - because on many company premises there is also a bank shop where employees can conveniently carry out their banking transactions. And of course Degussa Bank also offers a convenient Internet banking & brokerage service as well as a smartphone app in addition to telephone banking. The 200 partner companies are represented in almost all sectors, from industry, chemicals, medical technology and energy utilities to publishing and airlines.
Ambitious projects are now to give Degussa Bank another special edge in terms of digitization. In addition to the introduction of artificial intelligence and the use of agile methods to optimize internal processes, the bank is now also using signature pads and software from signotec.
In February 2019, approximately 350 signature pads were delivered to 150 bank shops along with the popular signature software signoSign/2. The solutions are already being used in six of them. Two different signature pads for different applications were deliberately selected here: The small and space-saving signotec Gamma for the cash register and the signotec Delta for all documents to be signed in the bank advisory service, which can be used to display and read DIN A4 documents in their original page width. It can also be scrolled in the document with the included pen.
In cash transactions, the PDF documents generated by the virtual printer are signed in the signoSign/2 software and then returned to the cash register management system. This is an autonomous, local application that is connected to the bank's higher-level CRM system via an interface.
During the consultation itself, so-called lifecycle documents are usually signed via signotec Delta. This includes, among other things, contract or application documents as well as exemption orders and service orders such as address changes. After the signature in the signoSign/2 software, these documents are also returned to the corresponding administration program. Again, this is connected to the bank's higher-level CRM system, so that all documents assigned to the customer are bundled and available there.
Uwe Bertelsbeck, project manager and responsible for Procurement & Output Management at in-house service, digitization and organization at Degussa Bank, is impressed by the efficiency of the signotec solutions: "By using the electronic signature with signotec products, processes can be mapped almost in real time. The cost savings are so high that the acquisition costs of the signature pads and signature software are amortized in just two months".
Before the pads were used, several thousand documents a day were delivered by overnight courier from the individual bank shops to the head office, where they were then scanned manually by an external service provider. According to Bertelsbeck, the electronic signature eliminates 60% of the documents to be scanned. The bank also benefits in terms of security and time savings: while the customer signs a transaction, the employee in the bank shop can compare the signature on his screen with that on the customer's ID card. This initial visual correction significantly streamlines the follow-up process.
The security features of signotec's electronic signature solutions are unsurpassed: Numerous RSA encryption mechanisms are available not only in the signature pad itself, but the signoSign/2 software also offers the highest level of security via ISO and eIDAS conformity.
The introduction of the signature solutions in the other bank shops is already underway, and the date for implementation in all branches is the beginning of June 2019.