How Keytrade Bank Digitized Mortgage Onboarding with Nitro Sign

Key Results

Reduced administrative costs by more than 80%
Achieved a 99% signing success rate
Reduced loan signing time to less than 48 hours
Added five new digital signing methods

Keytrade Bank selected Nitro Sign to digitize contract signing and customer onboarding for its KeyHome mortgage service in Belgium. Nitro Sign integrated with the bank’s core systems, allowing customers to sign contracts using electronic identity cards and other digital signing methods and helping them move through the loan process in less than 48 hours.

Keytrade Bank Achieves a 100% Digital Customer Experience with Nitro Sign Premium

Saved time and costs

By utilizing Nitro Sign, Keytrade Bank reduced its administrative costs by more than 80%. With Nitro Sign's workflows, employees can now regularly monitor the status of onboarding, loan inquiries, and mortgage requests, prompting reminders for customers to complete the eSign process or reach out with questions.

Flawless user experience

Ready-to-sign customers received clear instruction on the signing process and could choose their own electronic signing methods, resulting in a 99% success rate. Nitro Sign also handled Keytrade Bank's large uptick in data volume so they could grow naturally with their customer base.

Seamless integration

Nitro Sign’s API integration capabilities provided easy implementation of Keytrade Bank’s core systems. In doing so, they now offer multiple digital signing methods to their customers including SMS/OTP, eID, password, Digipass, and Softkey.


Company	Keytrade Bank
Industry	Banking and Mortgage Services
Headquarters	Brussels, Belgium
Company size	200
Nitro customer since	2018
Challenge	Digitize mortgage loan agreements and signatures with a secure, simplified customer experience
Solution	Nitro Sign
Results	More than 80% lower administrative costs, a 99% signing success rate, digital onboarding and contract signing in one step, and loan signing in less than 48 hours

The Challenge: Digitizing mortgage loan agreements and signatures

When Keytrade Bank, an online trading and mortgage lending organization in Belgium, expanded its online services to include mortgage loans, it needed a way for customers to add qualified, authenticated digital signatures to transactions securely and with less complexity.

The bank wanted customers to be able to manage their accounts online and complete mortgage agreements digitally while meeting regulatory and legislative requirements.

The Final Results

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The Conclusion

The Final Results

The Conclusion

How Keytrade Bank uses Nitro Sign to digitize mortgage onboarding

Keytrade Bank uses Nitro Sign to let customers digitally sign KeyHome mortgage contracts as part of the onboarding process. Customers can complete digital onboarding and contract signing in one step using an electronic identity card or another available signing method.

The bank offers several digital signing methods, including SMS/OTP, eID, password, Digipass, and Softkey. Nitro Sign workflows also let employees monitor the status of onboarding, loan inquiries, and mortgage requests, send reminders to customers who need to complete signing, and follow up with questions when needed.

This digital process supports a faster customer experience while reducing administrative work. Keytrade Bank reports a 99% signing success rate, lower administrative costs, and a loan signing process that customers can complete in less than 48 hours.

The results: Lower administrative costs, successful signing, and faster onboarding

Nitro Sign helped Keytrade Bank reduce administrative costs, support customers through digital signing, and expand the bank’s online mortgage onboarding process.

Reduced administrative costs by more than 80%

By using Nitro Sign workflows, Keytrade Bank reduced its administrative costs by more than 80%. Employees could monitor onboarding, loan inquiries, and mortgage requests, and send reminders to customers to complete the eSign process or contact them with questions.

Achieved a 99% signing success rate

Keytrade Bank provided customers who were ready to sign with clear instructions and a choice of electronic signing methods. The case study reports a 99% success rate for the signing process.

Combined digital onboarding and contract signing into one step

With Nitro Sign, Keytrade Bank could digitally onboard new clients in the same step as signing the mortgage contract using an electronic identity card or another digital method.

Shortened loan signing to less than 48 hours

Nitro Sign helped shorten the time it took customers to close on a loan, often moving them through the process in less than 48 hours.

Scaled to meet growth in customer data volume

Nitro Sign handled a large increase in data volume as Keytrade Bank’s customer base grew. The bank could offer multiple digital signing methods through its integration with core systems.

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