Electronic onboarding (digital subscription)

Electronic onboarding is the process of subscription or account opening that is entirely dematerialized, combining KYC, identity verification and electronic signature of contractual documents (Terms of Use, SEPA mandate, account agreement) in a single web or mobile session. The banking, insurance and fintech sectors are the most advanced: the DSP2 directive requires strong authentication (SCA) when opening an account. An onboarding compliant with the eIDAS regulation requires that remote identity verification be at a "substantial" or "high" level of confidence for binding acts. Solutions combine: OCR of identity document, liveness check (video or selfie), AES or QES signature, and automatic filing of the complete KYC file in the digital safe.