Digital Onboarding

It can take up to eight weeks for a financial institution to complete the manual client onboarding process for small businesses. With Zafin’s Digital Onboarding platform, your bank can do it in a matter of minutes.

Seamless digital account opening for small business

Business account opening is a far more complicated process than that of a consumer checking account. Zafin’s Digital Onboarding platform enables banks to provide an end-to-end digital purchase and contracting experience to small businesses that is simple, personalized, and frictionless.


Fees Management

Increase revenue by improving application completion rates, while increasing the number of products and services sold at the point of account opening.

Reduce Costs

Reduce costs by shifting sales interactions to digital channels, and reducing tedious manual processes involved with opening and fulfilling new products and services.

Improve Customer experience

Enhance the client experience by personalizing offers, fees and rates for small business clients’ needs, while enabling them to self-serve account opening.

Secure cloud platform

Industry-leading security and military-grade encryption provide peace of mind. Zafin’s cloud environment is regularly audited and is SOC2 Type II compliant.

Any digital channel, any screen, any time

Small business clients can initiate an application on any self-serve digital channel (mobile, online), as well as via staff-assisted digital channels, such as an in-branch, tablet-enabled discussion with a Relationship Manager.



Clients also have the flexibility to initiate an application on any digital channel, save it and resume at another time on any digital channel.


Secure cloud platform

With our best-in-class cloud partners, we offer a private platform in the cloud, providing security, compliance, and flexibility.

Customizable user interface and branding

Create a consistent look and feel of your digital channels, following brand guidelines, while tailoring language and tone to suit the bank’s brand.

Pre-integrated third-party APIs

Create a frictionless user experience by integrating with the latest third-party technology for specific aspects of the digital origination process.

Minimize manual data entry

Auto-populate relevant data fields from available APIs and data sources (including existing customer information files), simplifying and accelerating the application process and ensuring data accuracy.

Online needs assessment

Allow prospective clients to identify banking products and services best suited to their businesses’ needs.

Intelligent shopping basket

Present personalized multi-product offers to clients and dynamically generate a universal form with common data attributes, eliminating duplication of data entry.

Digital signature integration

Provide options ranging from simple scribble signatures for touch devices to integration with e-signature providers, such as DocuSign and eSign Live.

Attachment management

Standardize the management of attachments for supporting documents and bundling with the completed application package.

Direct integration with back office systems

Automate the account opening and fulfillment process through Zafin’s integration layer.

Real-time application dashboard

Enable product or middle office managers to view a summary of submitted applications and their status. Easily identify abandoned applications and provide your sales team with the tools to reengage the prospect.

Did you know? As of 2019, only 8 of the top 30 banks in the U.S. offered digital account opening for small businesses, according to Javelin Strategy & Research.

Zafin in action

A Tier-1 bank has gone live with Zafin’s Digital Onboarding platform, generating hundreds of digital account opening applications from small businesses each month.