Fragmented channels, manual steps, data in silos.
Banks: From branch appointments to a fully digital customer experience.
Today, the customer journey at banks often runs across fragmented channels, manual steps and distributed data. ajila closes the gap between customers, specialist teams and core systems — for fully digital and legally compliant banking processes.
Today vs. with ajila
Modern website, solid e-banking — and then the media disruption. As soon as customers need to sign contracts or submit documents, the digital journey often comes to an abrupt end: forms are printed, filled out manually and returned by post.
Legacy architectures also make seamless, regulatory-compliant processes more difficult. ajila closes this gap with fully digital customer experiences — scalable, secure and compliant.
Legacy architectures also make seamless, regulatory-compliant processes more difficult. ajila closes this gap with fully digital customer experiences — scalable, secure and compliant.
Today
Broken Customer Experience
- PDF forms that have to be printed, filled out and scanned
- Identification and KYC running in parallel to the contract process
- Terms and conditions and product sheets maintained decentrally in Word — specialist departments dependent on IT resources
- Signatures by letter, with waiting times and postal delivery
- Output creation by channel — app, e-banking and print handled separately
- Inconsistent experience, high return rate due to incomplete information, high costs
With ajila
Reinvented Customer Experience
One seamless, auditable flow — from the first click to the archive.
- Mobile-optimised, accessible online forms instead of PDFs
- KYC logic integrated into the onboarding flow, compliant with AMLA
- One central source for texts, with audit trail and approvals
- Qualified electronic signatures in seconds, legally valid in Switzerland and the EU
- One template, delivered to web, app, email, letter and archive
- Consistent brand experience, shorter processing times, lower costs
Customer Journey
So you can digitalise the customer journey with your banking customers.
Guided data capture
Intelligent online forms guide customers step by step through each process — launched directly from the website, e-banking, core banking system or CRM. Validations and prefilled fields ensure complete, valid data the first time. Where needed, all contract documents are automatically generated based on the captured information.
Further processing by your specialist teams in the cockpit
All customer requests are received centrally in the cockpit — clearly displayed, prioritised and ready to be processed directly by your employees. Missing documents or additional information can be requested from customers at the click of a button, without media disruptions and without postal delivery.
Digital collaboration with customers
Instead of customers receiving paper to complete a transaction, the entire process for all pending tasks is handled digitally. Workflow-based, enterprise-ready and in the bank’s look and feel.
Electronic signatures, AMLA and e-ID ready
Customers sign with legal validity using qualified, advanced or simple electronic signatures — in seconds, without printing, scanning or postal delivery. We also offer solutions for AMLA-compliant onboarding and the integration of the Swiss e-ID.
Transfer to the core system
Specialist teams review the incoming data, request additional information if required and transfer the case via REST API to the internal specialist systems for further processing — without media disruptions and with full auditability.
Rethinking contract content and document management
We rethink individual output by enabling your business teams to manage contract content without IT involvement and make content available to customers directly across all relevant channels.
Your processes, digitally reimagined
We have already successfully digitalised hundreds of processes for banks. These include account openings, rental deposit processes and power of attorney workflows, among others.
Our solutions are designed to be fully digital and integrate seamlessly into existing system landscapes. At the same time, they meet the highest requirements for regulation and security. This creates scalable, future-ready processes that meet both the needs of your architecture and the expectations of your customers.
Use Cases
Onboarding & KYC
Identify private and corporate customers in one flow, capture KYC data and transfer it to the core system — AMLA-compliant, 24/7.
Mortgages & loans
Application, credit check, contract generation and QES signature in one digital process — without postal delivery.
Securities custody account
Digital opening, risk profile generation and automatically generated contract attachments — digital, multilingual and audit-ready.
Terms and conditions & product sheets
Centrally manage texts, modules and translations through specialist departments, document approvals and automatically integrate them into contracts.
Changes & powers of attorney
Address changes, authorised signatories, limit changes — self-service with valid data capture.
Contract documents of all kinds
Modelled once and delivered to e-banking, app, email, letter and archive — brand-compliant and accessible.
Our Solutions
Discover our solutions for a reimagined customer experience.
Regulation for Swiss banks
Onboarding under AMLA
KYC by design: identification and due diligence obligations directly in the onboarding flow.
High data protection and encryption
Hosting in Switzerland: data processing exclusively in Switzerland, role-based access control and full encryption.
Signatures under ZertES / eIDAS
QES-capable: qualified electronic signature — equivalent to a handwritten signature.
e-ID ready
Opportunities of the new identity standards: the Swiss e-ID is seamlessly integrated into processes.
WCAG 2.1
Accessible: all forms and documents meet accessibility standards for maximum access.
The digitalisation of your processes starts here
Let us rethink your customer processes and learn more about our solutions.