Onboarding for everyone at Bank WIR

Urgent need for modern identification and onboarding for all customer segments

Bank WIR faced the task of developing a modern, innovative, and flexible solution that would provide a seamless onboarding experience for both private and business customers. The previous solution was functional but lacked a contemporary authentication option beyond servicing private customers. The departure of the former identification partner created an opportunity to integrate new identification methods and elevate onboarding to a future-ready level. Additionally, the new solution needed to optimize processes, minimize error sources, increase efficiency, and be technologically up to date – without compromising the necessary flexibility for both self-service and advisor-assisted account openings.

Digital transformation through a fully integrated onboarding solution

Bank WIR opted for the onboarding platform developed by mesoneer specifically for the ESPRIT network, which meets all requirements and compliance regulations for private and business customers. The flexible application supports both self-service and advisor-assisted workflows. A particularly practical feature: interrupted onboarding processes can be resumed exactly where they were left off. mesoneer's AutoIdent solution, combined with a Qualified Electronic Signature (QES), also enables secure and AML-compliant digital authentication – without media breaks.

Both the branch and advisory center teams have access to a dashboard to monitor onboarding processes and respond quickly to inquiries. In addition, the dashboard manages all tasks and automatically assigns them to the responsible individuals. Another advantage of the new platform is the integration of third-party systems. For Bank WIR, mesoneer integrated the core banking system Finnova, the ELCA archive system, and the BSI CRM. This ensures smooth information flow within the bank while minimizing manual input in the back office.

Efficient onboarding for satisfied customers

On the very first day after implementation, Bank WIR – together with the launch of a new banking product – was able to complete numerous successful account openings. The efficiency gains became apparent quickly: each onboarding saves approximately 15 minutes in the back office, as media breaks are eliminated and processes are automated. Thanks to mandatory fields and automatic validations, input errors were also significantly reduced. Janine Meier explains: “Thanks to the new digital onboarding solution, we can offer our customers a quick and straightforward onboarding experience.” Positive feedback confirmed the benefits of the streamlined process. The solution has also been well received internally. Meier adds: “The improved usability has significantly increased acceptance within the team.”