Technical requirements for Fintech companies, financial service providers, and banks.

How e-signature and digital identity solutions from certified trust service providers are revolutionizing processes and services in the financial sector, enabling seamless digitization.

Technical challenges faced by fintech and banks

Increase in conversion rate

Banks and Fintech companies are constantly challenged to optimize their conversion rates. The conversion rate is a crucial indicator of success, measuring the efficiency of turning potential customers into actual customers within the onboarding journey. Increasing this rate in an industry marked by innovation and fierce competition requires a deep understanding of customer needs and the ability to keep up with rapid technological changes. Only through technological excellence, customer orientation, and innovation can Fintechs and banks improve their conversion rates and closures and succeed in a competitive environment. 

Integration into existing systems

A complex mix of monolithic legacy systems, outdated modules, standardized ERP systems, and intricate interfaces characterizes the IT landscape of banks and financial service providers. This diversity poses a significant challenge for integrating new, innovative technologies, complicates customer-centric, seamless digitalization, and often comes with high costs for restructuring IT architecture.

Growing compliance and regulations

Given the increasing cybercrime, particularly in the financial sector, laws and regulatory requirements are becoming more stringent. Banks and FinTech companies are required to comply with a variety of these regulatory mandates. These include Anti-Money Laundering regulations (AML), data protection (GDPR), the Payment Services Directive (PSD2), guidelines for information and IT security (NIS-2), and the regulation on digital operational resilience (DORA). Additionally, expanding into new markets presents additional challenges in adapting to country-specific legal frameworks.

Technical core functions of a trust service provider for financial service providers

All solutions provided by Swisscom Trust Services guarantee the security, integrity, and trustworthiness of electronic documents and transactions in the highly regulated financial sector.

E-signatures and encryption

A Trust Service Provider (TSP) offers digital certificates and keys to ensure the integrity and confidentiality of electronic documents and transactions. This includes providing tools for creating e-signatures, verifying the authenticity of signatures, and encrypting data. By utilizing these technologies, businesses can streamline their processes, making them faster and more adaptable, ultimately leading to quick and flexible outcomes.

Digital identity

A Trusted Service Provider (TSP) enables electronic identification of individuals (proof of identity) through various authentication methods such as username/password, two-factor authentication, biometric procedures, or passkeys. This can be utilized for customer onboarding or accessing secure banking services.

Growing compliance

TSPs specialize in compliance with legal requirements and standards. Utilizing their services can streamline compliance and auditing, as the necessary checks and documentation are already integrated.

Standardized APIs

TSPs possess standardized interfaces that allow seamless integration into financial service providers' existing systems and processes. This facilitates communication and data exchange between partners.

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Prepare for digital trust of the future - with our cutting-edge architecture

Smart Registration and Signing Service

Our embedded remote signature platform allows partner applications to implement electronic signatures or e-seal processes:

  • Qualified and advanced e-signatures or qualified/regulated and advanced e-seals including qualified timestamps
  • Pan-European solution compliant with ZertES and eIDAS
  • One-shot or repetitive e-signing
  • Only transmission of hash values to Swisscom Trust Services
  • Geo-redundant architecture

> Learn more about electronic signatures

> Learn more about electronic seals


Multiple Authentication Broker

Our remote signature solution includes a broker that orchestrates identification, registration of an approval method, and e-signature in an e-signing workflow with a partner application.

  • Largest selection of identification and authentication methods as a registration solution for e-signatures (compliant with ZertES and eIDAS)
  • No additional audits required for implementing user-friendly digital signing processes
  • Customized digital user experience tailored to individual customers; users can choose their preferred identification and authentication method for e-signature usage

> Learn more about our identification methods

> Learn more about our authentication methods

Why Swisscom Trust Services

Swisscom Trust Services is an accredited Trust Service Provider in Europe and a Certification Service Provider in Switzerland. We assist providers of software applications and solutions in digitizing the final process steps through the seamless integration of our legally secure electronic signatures and seals. We take into account our clients' industry-specific and regulatory requirements. 

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eIDAS compliant

Qualified and advanced electronic signatures and seals - recognized in all EU/EEA Member States


ZertES compliant

Qualified and advanced e-signatures resp. regulated and advanced e-seals - recognized in Switzerland


GDPR and FADP compliance

Protection of our customers' privacy and personal rights in accordance with the current data protection requirements in the EU and Switzerland


ETSI compliant

Our standardized APIs utilize OIDC, OIDC-PAR/CIBA, and meet the requirements of the ETSI Standards TS 119 432 for remote signature