BAWAG P.S.K. Bank AG, Vienna / Austria

Electronically automated account opening with scan and sign at BAWAG P.S.K. Bank

BAWAG P.S.K. has been able to sign receipts electronically for several years now. Today, with Scan and Sign, functions of the POSportal server software, this solution has been raised to a new level that is unrivaled in the international banking environment.

Tablet PCs are used throughout the branches, enabling both electronic signing and scanning of documents. The mobile devices are used for the advisory process for account products as well as at the cash desk for transaction receipts.

Automated solution that doesn't shy away from international comparison

A fully automated electronic end-to-end process can be achieved when opening an account:

1. opening the application route

2. scan of the ID document

3. automatic reading of the ID document and filling in the application form

4. generation of the contract

5. biometric and qualified electronic signature (QES) of the contract

6. archiving the contract, the attachments/additional documents and the signature

The automatic reading of ID documents in particular met with great approval from bank employees, as their work processes have been greatly simplified and made much more user-friendly thanks to scan and sign.

All BAWAG P.S.K. branches are now gradually being equipped with the new technologies.



"Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse" AG is the fourth largest bank in Austria. It was created on October 1, 2005 through the merger of the separate banks P.S.K. and BAWAG.

As of 2016, the bank served more than 2.5 million customers across Austria. It serves Austrian retail, small business and corporate customers across the country, offering savings, payment, lending, leasing, investment, building society and insurance products and services. Two thirds of customer loans originate from Austria. International activities focus on retail, corporate, commercial real estate and portfolio loans in western industrialized countries. (Source: Wikipedia)