Solutions for Financing, Lending, & Mortgages

Offer secure, efficient, and convenient transactions, with solutions that delight clients and secure the user experience

Business Challenge

Close loans without the need for face-to-face interaction

Superior Experience

Customers Want to Apply for Loans Quickly and Safely

Businesses and consumers don’t want to risk face-to-face interactions for account opening and can’t afford to wait around for lengthy turnaround times. 


Gaps in Digital Loan Origination Processes Cause Abandonment

Paper forms, manual ID verification and bad mobile experiences can cause customers to walk away.


Lenders Need to Fight Identity Fraud and Loan Origination Fraud

With identity theft and the rising use of synthetic identities by signers, lenders must stop fraud without impacting the customer experience.

The Solution

We help lenders and financial services organizations digitize loan and financing processes with electronic signatures so their customers can access products quickly and safely - online and in-app


Digitize Identity Verification

Leverage a wide range of digital identity verification solutions to onboard new customers online and on mobile

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Capture Customers' Consent Electronically

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

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Protect Against Application Fraud

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

Digital Lending Challenges: How Can You Know Your Customer When an Applicant is Remote?

FIs face a rapidly changing lending landscape where digital transformation is now a necessity to serve borrowers.

Knowing your customer is more difficult when an applicant is not face to face.

In this video, Conor Hickey, Director of Solution Engineering at OneSpan discusses how digital identity verification methods such as ID document verification and facial biometrics can be used to verify a remote customer’s identity online.


Why the Time Is Right for Remote Online Notarization (RON)
Analyst Report

Why the Time Is Right for Remote Online Notarization (RON)

Many consumers are seeking alternatives to the traditional loan closing ceremony, with about half already indicating they would be comfortable conducting a virtual loan closing using remote online notarization (RON). Download this white paper to learn how to identify a RON provider with mature technology capabilities, and the expertise to evolve as the regulatory environment changes. 

Read the report
Success Story

How OneMain enabled customers to close loans online with e-signatures


How OneMain enabled customers to close loans online with e-signatures


- Needed the ability to close loans and sign documents electronically – online and in branches.  
- Had no ability to close loans online.
- Online competition threatened the company’s market share.


  • Opened new online lending channel to increase volume of loans processed
  • 99.1% customer adoption
  • Now save 20 - 30 minutes of manual handling time per loan
  • Saved paper stacks “as high as the Empire State building” every month and eliminated $500,000 in annual toner costs
  • “Phenomenal efficiency gains” – no need to scan paperwork; all signed records are automatically exported from OneSpan Sign to the CMS

Consumer Lending

Meet today’s challenges with digital contactless loan origination

Lenders and financial services firms face unique challenges - high consumer expectations, intense competition, and obstacles to loan origination through in-person channels due to the pandemic. 

Financial pressures on consumers have also increased demand for personal loans, bridge loans, and debt consolidation loans. 

These challenges have accelerated the need for fast, secure, mobile-based lending in the financial services industry. Lending providers that fail to digitize their lending processes will struggle to keep up with these quickly changing conditions.

Enable a digital-only loan origination and signing process with digital identity verification and e-signatures.

Success Story

How BuyWay digitized credit applications to reduce contracting time from days to minutes


Buy Way Personal Finance is a Belgian finance company specializing in consumer credit.


- Needed to streamline paper-based credit granting processes.
- The existing signature process using paper documents was time-consuming, inefficient, and did not meet consumer expectations.


  • Launched digital credit granting capabilities and e-sign functionality at point of sale (POS).
  • Reduced in-store application turnaround times from 30 to 10 minutes.
  • Reduced full contracting time from max. 20 days to 1 day.
  • Implemented eIDAS compliant click-to-sign with SMS one-time authentication passcodes.
  • White labelled solution to enable an end-to-end seamless customer experience.

"E-Signatures transformed the customer experience, because now we can get the client the help they need, in the time they need”

The Business Development Bank of Canada integrated e‑signatures with their mobile app to enable entrepreneurs to complete a loan or financing application in 15 minutes. 

Hear first-hand from BDC’s Director of IT Solutions Delivery in this video.


Business Lending

Support business clients and entrepreneurs when they need it with fast, online lending

Get money to your business clients when they need it the most, with expedited, secure digital process for commercial loans and small business lending.

Leverage e-signatures to expedite loan processes and detect stolen and synthetic identities in real-time with digital identity verification technology - including ID document verification and facial biometrics. 

e-Signature checklist

Readiness Checklist: How to Get Started with E‑Signatures

Learn the various implementation options as well as the top technical requirements to deploying electronic signatures in your organization.

Learn More

Retail Finance, Auto Finance and Leasing

Speed up finance applications with fast digital contracting and identity verification

The process of applying for consumer credit or finance on an asset, such as a car or appliance, is becoming faster and more secure as digitization replaces paper forms and manual ID-checks in the finance industry.

With compliance concerns paramount, agreement automation can also help ensure that financing processes are transparent and readily documented.

Digitize consumer credit, finance and leasing processes with online step-by-step solutions that increase loan volumes, reduce operational costs, and ensure KYC and e-sign compliance.

How MotoNovo Improved the Customer Experience for Auto Loans

"We were looking to improve on the scalability of the business, the compliant journey for the customer, and the customer experience. I would highly recommend OneSpan. I believe this is the future, and the more normal it becomes in our industry the better it's going to be for everyone."

— Dave Briggs, COO

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How OneSpan Solutions Can Be Seamlessly Integrated Into Your Workflows

How OneSpan Solutions Can Be Seamlessly Integrated Into Your Workflows

Access Our Solutions With These Out Of Box Integrations…

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OneSpan Product Use Case Catalog

Use Case Catalog

Our solution portfolio supports secure, simple end-to-end experiences for your clients. Find out how.

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Questions? We're ready with answers

OneSpan can help you enable fast, secure, customer-centric online and mobile loan applications with our e-signature, identity verification and mobile security solutions.