Retail Banking Solutions

Improve the customer experience with immersive, secure solutions that boost efficiency and compliance, while helping to reduce error rates.

Business Challenge

Reduce customer abandonment & churn and mitigate fraud attempts​


Up to 95% of customer abandonment due to inefficiencies

Potential customers are actively turning off from sluggish account opening processes.


Identity fraud is at an all-time high

New account fraud and social engineering attacks pose a serious threat to customer confidence as well as loss prevention efforts.


Compliance is increasingly complex

It can be challenging to expedite processes for combatting fraud and addressing compliance with new regulations.


Help prevent new account fraud in account opening and lending

 Identity Verification & Authentication

Securely & quickly verify identities

Remotely detect manufactured or synthetic identities with multi-layered digital identity methods.


Improve the onboarding experience

Integrate eSignature solutions into core account opening processes.

Forms and Workflow

Drive process efficiencies and reduce errors

Integrate eSignature with smart digital forms to deliver seamless, personalized experiences.


Provide easy, secure authentication options

Deploy standalone authenticators for any channel, leveraging secure passwordless technology.


Shield your mobile apps

Defend against the latest security threats and vulnerabilities while preserving the mobile app experience.


Protect against mobile fraud

Thwart attacks against your customers' accounts and mobile devices.

IDC MarketScape: Worldwide eSignature Software 2023 Vendor Assessment Chart
Analyst Report

IDC MarketScape for eSignature 2023: OneSpan Named a Leader in Worldwide eSignature Software Vendor Assessment

The report recognizes the strengths of OneSpan’s esignature solution, as well as key differentiators including security, white-labeling, and a single audit trail.

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Provide Superior Customer Experiences

Personalize your customers' journeys

With OneSpan Sign, you can design automated customer journeys that eliminate pain points and create refreshingly easy experiences that come with the highest levels of security and compliance.

Quickly Verify Identities Remotely

Ensure ID documents are legitimate with digital identity verification

New account fraud and other identity theft crimes continue to challenge banks and FIs. Automated ID document verification and facial comparison enable a customer’s identity to be validated in real-time, whether the transaction takes place online or via mobile.

Ensure the Authentic Applicant is Present

Leverage biometric authentication to verify identities across your digital channels

During the digital account opening process, financial institutions must determine whether the remote applicant is who they claim to be. Best practice is to leverage facial comparison capabilities to extract biometric indicators from a selfie and compare that against the image in an authenticated ID document.

After the applicant has been onboarded, biometric authentication methods can be used to verify known customers using facial recognition and fingerprint scans.

Protect against Mobile Fraud

Mitigate fraud with mobile security capabilities

Data breaches, malware, and phishing attacks are fueling the rise in identity theft and third-party application fraud. OneSpan offers comprehensive security capabilities to protect mobile users and applications, including:

  • Persistent device identification to bind user accounts to trusted devices and thwart unauthorized attempts to apply for new credit products
  • Mobile app shielding and behavioral biometrics to identify and stop automated malware or bot activity

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 an 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 of the account opening process and can protect financial service providers against legal or compliance disputes.

OneSpan Global Mobile App Security Vulnerabilities Report
Analyst Report

OneSpan Global Mobile App Security Vulnerabilities Report

Find out which types of apps are most susceptible to repackaging attacks—and what industry benchmarks you should use to assess your own level of app protection. 

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People trust these institutions – and these institutions trust OneSpan

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6 benefits of working with OneSpan

1. Secure agreements

Leverage bank-grade cloud security, identity verification capabilities, digital signature encryption that guarantees the integrity of your business processes, and a full audit trail that's completely vendor-independent.

2. A mature, global solution

We offer enterprise-grade capabilities that scale across geographies, with support for Simple, Advanced, and Qualified E-Signatures, multiple languages, and data centers around the world.

3. A superior user experience

With a solution that's simple to deploy, integrate, and expand, easily bring automation to your business processes and workflows, as well as customization capabilities to design journeys that eliminate pain points and create refreshingly easy experiences.

4. A productivity boost—everywhere

E-Signatures, smart digital forms, and configurable workflows reduce processing times and approval cycles. Plus, with strong authentication options, HR staff can apply their expertise from anywhere in the world.

5. Easy adaptation to change

Your IT teams can rapidly keep pace with the rate of technology change, thanks to OneSpan's comprehensive integration philosophy that includes microservices, APIs and containers, and a low code/no code, mobile-first mindset.

6. Quality of support

Between our global language support, technical support, professional services, and active developer community, our customers receive the support they need, whenever and however they need it.

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 are ready with answers

OneSpan can help you improve the customer experience with immersive, secure solutions that drive growth.