Remote agreement signing and digitization of leasing processes

BNP Paribas Lease Group
The Client

Digital innovation in leasing

BNP Paribas Lease Group is a European leader in financing professional equipment. It supports the growth of its customers and industry partners by offering leasing and financing services. Two-time "Digital Innovation" award winner for its long-term commitment to innovation and delivering benefits to partners, customers, and employees. The company employs more than 300 people and plans for further growth. It is part of the BNP Paribas Group, a leading bank in the eurozone and a key player internationally.

The Challenge

Digitization of business processes in a leasing company based on the Signer platform

BNP Paribas Lease Group, responding to growing demand from the market and customers, has launched a remote signing of e-documents using, e.g., <a href="https://www.certum.eu/en/qualified-electronic-signature/" style="color: #5ec1b0" target="blank">qualified electronic signatures</a>. This allows customers to conclude agreements without physically meeting with BNP Paribas Lease Group employees, which was especially important during the pandemic.

An additional objective of the project was the digitization of support processes (post-sales and internal) and the automatic verification of the authenticity and legal statuses of signed documents using a module for <a href="https://paperless.asseco.com/en/offer/webnotarius/" style="color: #5ec1b0">qualified validation of electronic signatures</a> and seals.

Solution

Provision of a Signer platform for the electronic signing of e-documents integrated with the necessary trust services

During the six months of the project, based on the customer’s requirements, a completely electronic lease sale and service process was developed and launched based on the provided <a href="https://paperless.asseco.com/en/offer/signer" style="color: #5ec1b0">Signer</a> platform, accessible from a browser. The solution is used by more than 200 employees of the company and a growing group of customers who have replaced the paper way of document handling with an electronic one, in line with the #paperless strategy.

The solution makes it possible to electronically sign e-documents using a qualified electronic signature between the company and its customers and in the internal workflow of the organization. The process also enables the validation of all digitally signed documents.

Benefits

Implementation of the paperless strategy and digitization of processes

The new electronic documentation handling process allows customers to sign e-documents anytime, anywhere. Digitization has reduced time and increased the quality of post-sales and support processes. Unilateral letters such as authorizations, consents, and declarations are issued and sent digitally only, significantly accelerating their handling.

The company has also improved document management efficiency and workflow between business departments. The solution has resulted in accelerated performance for all units and employees, increased staff satisfaction, and economic benefits.

The particularly satisfying effects of the project include paper savings (approx. 7,500 A4 sheets per month) and reduction of CO2 emissions (approx. 22,500 kg of CO2 per month) due to the discontinued transportation of paper documents.

  • 100% of documentation is digitally signed by the company’s management
  • 100% of customer feedback is provided electronically by the Customer Service department
  • 100% of post-sale documentation (approvals, damage authorizations, settlements with the Agency for Restructuring and Modernisation of Agriculture) is created electronically only
  • 45% of the remaining documentation in post-sales processes is issued digitally
  • 31% of BLS agreements are signed with qualified signatures by customers
  • 62% of agreements in the corporate customer line were signed with a qualified signature

Milestones of the project

Stage 1

Providing SIGNER platform with qualified validation module and SignHub module enabling customers to sign e-documents

Stage 2

Training for employees at the Asseco Academy

Stage 3

Issuance of qualified electronic signatures to company employees

As a result of the fast and effective availability of the Signer platform, agreements concluded can be processed using qualified e-signature and verified using a validation module available on the platform. Remotely signed post-sale documents can be transferred to customers without worrying about their security and authenticity. Letters can be sent without collecting physical signatures or enveloping documentation. The new solution has streamlined and accelerated our work, which was of great importance in reality changed by the pandemic and provides economic benefits.

Marcin Nawacki, <span class="rich-label">Managing Director of BLS Business Unit</span>

The BNP Paribas Lease Group project is another example showing that even such a strictly regulated leasing industry can take full advantage of paperless solutions. The launched solution transforms the traditional paper-based document handling model into a fully digital process. The provided Signer platform with dedicated trust services such as qualified seal, signature and time stamp, and validation module, in conjunction with the SignHub module, fully addressed and fulfilled the company's needs, which were identified at the beginning of the project. The use of a qualified electronic signature is the same as a handwritten signature, which is crucial from the point of view of concluding lease agreements, which, according to the requirements, must be concluded in writing otherwise, they will be null and void.

Karol Buchowiecki, <span class="rich-label">Project Manager, Asseco Data Systems</span>

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