This document discusses Scrive's e-signing and digital identity verification solutions for automating customer onboarding. It provides the following key details: - Scrive has over 2,500 customers, facilitated over 20 million signed documents across 40+ countries. - The average onboarding time for customers in the Nordic region using e-signing is 3-7 minutes. - Banks in the Nordics are successful with client onboarding due to enabling digital signature solutions since 2002 and facilitating over 400 million transactions per month. - Scrive helps address common challenges with legacy systems, complex regulations, user experience, and lack of trust by providing a seamless electronic signature process combined with identity verification.

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2.500+
Customers
>20.000.000
Documents signed
40+
Countries
“Automating customer on-boarding in any channel
with world-leading e-signing and identification”

2. The Nordic Model
Automating customer onboarding in any channel

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What is considered a good benchmark for customer onboarding?

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What do these numbers look like in the Nordics?

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Average onboarding time:
3-7 minutes*

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Why are the Banks in the Nordics
so successful with client onboarding?

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The Enabler

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Since 2002

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The “Killer” App

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12. Transactions per month?
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400 000 000
Transactions per month

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But is this only for the Nordics?
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What’s really the problem?
Integration - legacy systems?
Complex laws and regulations?
UX-concerns?
Risks, lack of trust?
No/low eID penetration?
Business case?
Right digitalisation partner?

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Regulatory Aspects Blocking points?
Laws and regulations are not the problem…
…Perception is!
Common misconceptions:
● Digital signature = electronic signature…
● Only legal if (equal to) handwritten…
● PKI & PAdES is a must…
● Qualified electronic signature is a must…

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Regulatory Aspects Main rules
eIDAS
(Regulation (EU) No 910/2014)
Main rule:
An electronic signature shall not be denied legal effect and admissibility as
evidence in legal proceedings solely on the grounds that it is in an electronic
form or that it does not meet the requirements for qualified electronic
signatures.
Contract law
(local acts)
Main rule:
A contract of sale need not be concluded in or evidenced by writing and is not
subject to any other requirement as to form. It may be proved by any means,
including witnesses*
* CIGS – the United Nations Convention on the International Sales of Goods, Art 11

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Local implementation of eIDAS
Main rule:
Basic electronic signatures may be used – unless explicit exceptions are provided
for under applicable law.
Exceptions:
• Electronic signatures may not be used at all (e.g. purchase of real estate)
• Written form requirement in law requires AdES or QES
• Local KYC-regulations that refer to use of AdES or QES
Regulatory Aspects eIDAS and Electronic Signatures

18. When using a trust service you should determine:
1. Do specific regulatory requirements apply, that demand a certain assurance
level for authentication of the signatory?
2. What level of authentication security would be deemed sufficient in a paper
process?
3. What is my business risk vs. extra cost/hassle with using one or the other
method?
4. How can I seamlessly combine compliance with AML/KYC rules with an
electronic signature process?
SCRIVE.COM
Then select the most suitable solutions for your use cases and your markets
Regulatory Aspects Selecting the right solution
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19. Importance of evidence quality

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Evidence package Independent evidence
Intent
Identity
Integrity
Complete and independent evidence is key!
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21. Intent
● Process is clear, so the customer knows they’re signing a document
● Screenshot is taken when opening the document
● You need to scroll through the entire document before signing
● Screenshot is taken at signing of the document
● Transaction log covers all events and the collected evidence
Evidence package What you see is what you sign
Intent
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22. Evidence package Authentication is all about risk assessment - and compliance
National eID
FTN
Identity verification
Identity
Options:
● No extra layer
● Request attachment
● PIN by SMS
● Identity verification solutions
● Electronic IDs
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23. In the event of a dispute, you can conclusively show that your document
has not been altered, forged, or tampered with in any way. Scrive seals each
signed document with a digital signature that protects the integrity of the
document, any attachments and the complete Evidence Package.
Integrity Powered by Blockchain
Integrity
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Three real life stories
Client onboarding the way the customer wants it
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25. “We had a problem. When a customer signed
up on our webpage we had to send them a
paper document”
Michael Lindahl
Business Developer, Avanza Bank
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3min
Conversion time
LessAdministration
500MSEK
Increased deposit
“When the document is signed online
our customer are twice as likely to
transfer money to us.”
Michael Lindahl
Business Developer, Avanza Bank
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28. “Being a non-captive automotive finance
company we needed to be better than
everyone else”
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VIDEOS
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VIDEOS
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0%
Contract errors
DealsWon
30min
Payout time
“We couldn’t get our lawyers to accept
e-signing. Scrive’s solution made it
possible.”
iPeter Ahnell
Business Developer, DNB Bank

32. “Growth increase and admin cost increase are
linear and we can’t use IT”
Erik Holm Linden
Product owner, Nordnet Bank
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6FTE
In savings
15%
Decrease in postal costs
33%
Increase in conversion
“I got a request on a Thursday
afternoon - Tuesday next week the
process was up and running”
Erik Holm Linden
Product Owner, Nordnet Bank

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Shaping the future with a killer product
DATA CAPTURE ELECTRONIC
SIGNATURE
PROCESS
AUTOMATION

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Thank you!
George Amanatiadis
Head of Enterprise Sales
george@scrive.com
Peter Carlstedt
Chief Legal Officer
peter@scrive.com