It can be said that banks use Electronic signature Display in a large number of businesses in paperless office. The signature and approval screen replaces the previous paper signature and turns to online signature, which is convenient for banks and people who do business, and greatly improves the overall work efficiency. There are also many specific businesses, such as the following services:
Counter Business:
Account opening business: In the past, customers needed to fill in a lot of personal information on paper forms. Now customers do not need to fill in paper forms. All information can be directly entered through the device, and then signed and confirmed on the electronic signature and approval screen to complete the account opening procedures.
Business application and receipt signing: In the counter business, customers sign on the electronic signature and approval screen when submitting the business application, and the business receipt issued by the bank after the business is completed is also completed by electronic signature. This reduces the use of paper documents, avoids the risks of missing signatures and forged signatures, and facilitates the query and storage of relevant business data.
Credit Business:
Loan application and contract signing: In credit business, the entire process from loan application to contract signing can be realized online through the Electronic signature Display. For example, ICBC's credit business directly opens up the entire online business chain through electronic signatures. Customers sign electronically on relevant systems, and use facial recognition and other verification methods to confirm their identities and signing intentions, thus realizing the Internetization of traditional credit business, improving business processing efficiency, and reducing costs.
Loan approval process: In the credit approval process within the bank, various approval documents and records involved can also be signed electronically, which is convenient for approval personnel to sign opinions and confirm, speeding up the approval process, while ensuring the traceability and data security of the approval process.
Wealth Management Business:
When customers purchase wealth management products, they sign relevant agreements and documents on the electronic signature screen to confirm purchase information and risk warnings. This makes wealth management business more convenient and efficient, and is in line with the trend of paperless office, making it easier for banks to manage and archive customer wealth management business information.
Credit Card Business:
For example, credit card bill confirmation, offline business receipts handled by salespersons, and other bank-stamped businesses can complete the signature link through the electronic signature screen to realize the digitization and paperless nature of business processes. For example, in the credit card business of some banks, customers can confirm and sign bills on electronic devices without receiving and signing paper bills.
Internal Office:
Various approval activities in the bank's internal operations and management activities, such as financial reimbursement, employee entry and exit, etc., can also use the electronic signature screen. Employees or approval personnel complete the signing and approval of relevant documents through electronic signatures, improve internal office efficiency, and reduce the circulation and storage costs of paper documents.