In today’s digital-first economy, consumers expect to open accounts, subscribe to insurance, or secure loans in minutes, not days—especially during peak moments such as Black Friday or a new consumer product launch when instant approvals can mean the difference between a sale made or lost. The rise of agile fintechs and neobanks has further intensified consumer expectations, pushing financial institutions to deliver faster, seamless experiences.
However, onboarding is a complex and cumbersome process. It requires data gathering, analysis and verification from multiple sources and services and can traditionally take days, or longer in highly-regulated industries like consumer credit, direct banking, and insurance.
QuickSign’s mission is to digitize and simplify onboarding across Europe so large clients such as BNP PARIBAS, Stellantis Financial Services, Apple, and Tesla via Santander can streamline services, convert customers faster, and build value more rapidly.
QuickSign operates in a domain where process speed, accuracy, security, and legal compliance are critical. Their clients need to instantly open customer accounts, grant consumer loans, or settle car insurance claims, but face multiple onboarding challenges, including:
To support their clients’ customer journeys, reduce risk, and ensure compliance, QuickSign orchestrates multiple complex tasks such as eIDAS-certified trust services consisting of e-identity (eID), know your customer (eKYC) and e-sign (eSIGN); AML-compliant remote identification and contract validation; structured and unstructured data collection through connections to third parties, business intelligence; and real-time fraud analysis.
Complexity escalates when multiple regulatory frameworks are involved. Fourty-five (45) distinct services are connected to QuickSign’s market place ensuring a complete mapping of customer onboarding needs across Europe. Beyond compliance, whatever the operational circumstances, QuickSign offers 1 API with 1 SLAs, enabling clients to grant credit or open accounts instantly, even in high demand, highly-complex onboarding workflows.
QuickSign needed a process orchestration and automation platform that could manage their clients’ complexities, scale to support millions of consumer transactions per month, and ensure high availability and auditability. As Co-Founder and CEO, Thibaut Ravisé, describes it, “Each automation tool must be precisely fine-tuned to keep track of every minor detail—so that, behind the scenes, we can orchestrate a complex system into a seamless experience for our clients in financial services.”
When their homegrown orchestration system became increasingly difficult to scale, manage, and adapt, the SaaS company turned to Camunda.
QuickSign uses Camunda to orchestrate each client’s onboarding journeys simply, transparently, and in a highly-secured environment. Camunda’ process orchestration and automation engine is part of their core operational system and managed by QuickSign’s control center.
Initially built on Camunda 7, QuickSign redesigned the entire orchestration platform in 2020 to run on Camunda 8.
QuickSign chose the Camunda platform for its flexibility, scalability, collaborative features, and its ability to support complex workflows and strict operational requirements.
Camunda’s open architecture allows QuickSign to apply advanced intelligence to their processes, giving them the ability to utilize biometrics and machine learning, analyze massive amounts of data across organizations, recognize patterns of fraud, and save this information as part of a powerful, anti-fraudster database.
To ensure they are supporting each client’s unique needs, QuickSign uses Camunda’s BPMN modeler to co-create workflows and business processes that are hyper-tailored and regulatory compliant.
“Since working with Camunda and its BPMN process, we’ve been able to design highly precise, innovative and compliant workflows for our clients. It has radically transformed how we work together. We’re opening more countries and more opportunities within different business lines.”
–Charlotte Stril, Chief Growth Officer
QuickSign’s customer success team uses Camunda Optimize to review statistical data with their clients and collaborate on how to optimize conversion rates, even for very high volumes. Similarly, Camunda Operate is now indispensable to QuickSign’s customer care team. If a client has an issue, the customer care team uses Operate to quickly identify the use case, workflow, and specific issue.
The adoption of Camunda is driving transformative results for QuickSign and its clients:
With Camunda, QuickSign has built a highly-scalable, highly available, composable orchestration engine that is a key strategic asset. By replacing their previous homegrown orchestration engine with Camunda, QuickSign’s staff can now spend more time focusing on what makes their business unique in the market—streamlined, compliant onboarding for financial services at massive scale.
